Home insurance in Texas
Gatson Life & Financial Group reviews homeowners insurance for families in Dallas–Fort Worth and across Texas. We explain dwelling, personal property, liability, and loss of use in plain English, and we are clear that wind, hail, and carrier appetite vary.
What a homeowners policy is designed to do
A typical homeowners policy is a package. Dwelling coverage is for the structure of your home. Personal property coverage is for belongings inside it. Liability coverage can help if someone is injured on your property or you are responsible for certain damage. Loss of use, or additional living expense, can help with temporary housing if a covered loss makes the home unlivable.
That is the general idea, not a promise of what any one policy will pay. Exclusions, deductibles, and limits vary by carrier and by the form you buy. Flood is usually excluded from a standard homeowners policy and is purchased separately when you want or need it.
Other gaps can surprise people too. Sewer or drain backup, certain types of water damage, and scheduled items such as jewelry often need a closer look. Some carriers offer endorsements; some do not. If you keep business equipment at home, or if you have a rental unit attached to the property, mention that — a standard homeowners form may not be the right structure.
Texas wind, hail, and deductibles
In much of Texas, including Dallas–Fort Worth, wind and hail are a regular underwriting concern. Some policies use a separate wind or hail deductible, sometimes stated as a percentage of the dwelling limit rather than a flat dollar amount. How that deductible works, and whether a carrier will write the property at all, varies.
We will not claim we can beat every rate or place every home. Roof age, construction type, claims history, and location all affect eligibility. Our job is to review what is available and explain the tradeoffs before you decide.
If a carrier has already non-renewed a policy, or if you are buying a home and the lender has a deadline, tell us as early as you can. Independent agents can often shop more than one market, but last-minute closings and hard-to-place properties still depend on what a carrier is willing to offer that day.
How a review works
It helps to have your address, a description of the home, any recent updates to the roof or systems, and your current policy if you have one. If you also need auto, umbrella, or life insurance, we can look at those in the same conversation. Bundling is sometimes available; it is not automatic.
Request a quote through our contact page, call (866) 486-9959, or text (903) 348-0913. We serve Dallas–Fort Worth, Sulphur Springs, Cumby, and the rest of Texas. Terms vary by carrier.
Related coverage
Texas home insurance FAQ
Does a standard homeowners policy cover flood?+
Usually no. Flood coverage is typically purchased separately, through the National Flood Insurance Program or a private market when one is available.
Why do Texas policies mention wind and hail deductibles?+
Wind and hail are common loss drivers in Texas. Some carriers use a separate deductible, sometimes a percentage of the dwelling limit, for those perils. The details vary by policy.
Can you review my current home policy?+
Yes. Send us your declarations page and we can walk through limits, deductibles, and exclusions, then compare available options if you want a second look.
Do you also write renters and auto?+
Yes. If you rent, see our renters insurance page. Personal auto and umbrella coverage can be reviewed in the same conversation when they are available.
Request a Texas homeowners review.
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