Competitive Homeowners Insurance in Texas, Without Compromise

Protect your Texas home coverage that balances price and protection, giving you peace of mind without sacrificing quality.

At Advisor Insurance Group, we believe Texans deserve more than a one-size-fits-all policy. Your home is one of your most valuable assets, and protecting it shouldn’t mean overpaying or settling for less.

That’s why we provide competitive homeowners insurance in Houston and across Texas — without compromise. Our team helps you find coverage that balances price, protection, and personal service, so you can feel confident your home is in good hands.

Homeowners Insurance
Homeowners Insurance

About homeowners insurance in Houston Texas

Homeowners insurance in Houston Texas is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

What’s Included in a Texas Homeowners Insurance Policy

These are some common coverages you typically see on a policy in Houston Texas:

Dwelling

Covers repairs or rebuilding if your home is damaged.

Personal Liability

Protects you if someone is injured on your property or if you’re held legally responsible for damages.

Other Structures

Garages, fences, sheds, and other detached structures on your property

Personal Property

Belongings like furniture, electronics, appliances, and clothing.

Loss of Use

Pays for living expenses if you can’t stay in your home due to a covered loss.

Deductibles

The portion you pay out of pocket when a claim occurs. In Texas, homeowners choose between:

  • Flat Deductible: A fixed dollar amount (e.g., $2,500 per claim)
  • Percentage Deductible: A percentage of your home’s insured value (commonly used for wind/hail coverage).

We’ll walk you through your options so you understand how each impacts your premium and your out-of-pocket costs when a loss happens.

*Optional coverages like water backup, jewelry, and high-value property endorsements are also available.

How to Get a Homeowners Insurance Quote in Texas

Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:

  • Who lives with you? Determine who will be on the property, and if you’ll be running a business from home.

  • How is the home built? Provide details about your home’s construction, such as when the roof and utilities were last updated.

  • Who will own the home? Let us know if there will be a co-owner/co-applicant (usually a spouse).

  • Do you have home insurance now? Tell us who your carrier is and how long you’ve been insured.

Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.

Click below to start your home insurance quote and we’ll reach out shortly to discuss your coverage options.