Homeowners
Insurance

A Guide to Texas Home Insurance

Your home isn’t just where you hang your hat. It’s one of the biggest investments you’ll ever make. That’s why having the right homeowners insurance isn’t just smart, it’s essential. Whether it’s a busted pipe, a Texas-sized storm, or an accidental backyard mishap, the right coverage can save you from a financial disaster.

At Rollo Insurance, we’re here to help Texans cut through the fine print, understand what their policy actually covers, and find solid protection that doesn’t break the bank because in Texas, we love big skies, strong communities, and home insurance that has your back.

What is Homeowners Insurance?

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Think of homeowners insurance as a package deal. It gives you financial protection for your house and what's inside. It can help cover: 

  • The structure of your house, like the walls and roof.
  • Your personal property, like furniture and clothes.
  • Other structures on your property that aren't attached to your house, like a shed or fence. 
  • The additional cost of living somewhere else temporarily while your home is being repaired, like hotel bills and even pet boarding fees. 
  • Legal costs.
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Why do you Need Homeowners Insurance?

The main reason to have homeowners insurance is straightforward: it protects your money when unexpected things happen to your home. For example, if a fire or storm damages your house, your insurance can help cover the cost to repair or rebuild. If someone gets hurt while visiting, it can help pay their medical bills. And if your belongings are stolen or damaged, your policy can help replace or repair them. 

It’s important to note, if you still owe money on your home, your lender will most likely require you to carry insurance. It’s important to remember that homeowners insurance is designed to cover sudden, accidental damage, not everyday wear and tear. So, knowing exactly what your policy covers is key to avoiding surprises down the road. At the end of the day, having the right coverage gives you peace of mind, especially here in Texas, where weather and life can be unpredictable. Your agent at Rollo Insurance will take a personal and educational approach to make sure we understand your goals and that you understand your coverage. 

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Is Cheaper Insurance Always Better?

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When you look for "cheap home insurance in Texas," think about what that really means. For many people, it means finding the best value or good coverage for a fair price. But sometimes, people just want the lowest price, and that can be risky.

Choosing insurance only because it's cheap can cause problems like:

  • Not Enough Coverage: You might not have enough insurance to rebuild your whole house or replace all your things after a big loss.
  • High Deductibles: You'll have to pay more money yourself before the insurance company pays anything.
  • Limited Coverage: The policy might not cover some of the things that could happen to your home.
  • Bad Customer Service: A cheaper company might not offer the resources you need to provide the best claims or customer service experience.

It's smart to look for a good price, but don't forget to make sure you have enough coverage from a company you can trust. Rollo Insurance can help you find the right balance.

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What is not Covered by Home Insurance?

Homeowners insurance covers a lot, but it usually doesn't cover:

  • Flood Damage: You’ll need a separate flood insurance policy for this.
  • Earthquake Damage: You need a separate earthquake insurance policy.
  • Problems from Poor Upkeep: If you don't take care of your house, like fixing leaks or dealing with pests, insurance usually won't pay for the damage.
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Things to consider &
questions to ask your agent:

Here are some important questions to ask your agent at Rollo Insurance:

  • How much would it cost to rebuild my house (including debris removal) and replace everything I own if they were damaged or destroyed? 
  • Can we talk about my house and the items inside to figure out the right amount of coverage?
  • Does your insurance company have a good reputation for helping customers? 
  • Are you known for paying claims fairly and quickly?
  • What discounts can I get? (Like if I have more than one policy with you, a security system, or a new roof)
  • What do I do if I need to file a claim? Who do I call, and what happens next?

Homeowners Insurance FAQ

Here are some common questions about homeowners insurance in Texas:

The Difference is Real

At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.

Rates

Finding the best rates for the coverage you need.

Education

Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.

Assets

Protecting the most valuable things you own.

Life

A partner who you can call on today, tomorrow, and the rest of your life.

Let Rollo Insurance Help Protect Your Texas Home

At Rollo Insurance, we’re proud to be part of the Texas community, and we’re here to help you protect the place you call home. We’ll work with you to find the right coverage at a fair price so you can rest easy. Give us a call today for a quote. 

We’re just around the corner and ready to help. That’s the Rollo way: local, loyal, and looking out for our fellow Texans.

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