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Home Insurance
Home insurance for the place your memories stack up.
Home insurance protects the structure of your home, everything inside it, other structures on your lot such as sheds and fences, your personal liability if someone is hurt on your property, and additional living expenses if a covered loss makes your home unlivable. TWFG Insurance compares 300+ carriers to build a policy around your home, your neighborhood, and your budget.
Coverage Highlights
What a TWFG Insurance home policy covers
A strong policy protects four things: the structure, what's inside it, your liability, and your life while repairs happen.
Dwelling protection
Pays to rebuild or repair the structure after fire, wind, hail, or another covered loss.
Personal property
Furniture, electronics, clothing, and keepsakes, replaced at today's prices rather than depreciated value.
Other structures
Fences, sheds, detached garages, and outdoor kitchens under the same policy.
Additional living expenses (ALE)
Hotel bills, meals, and temporary housing when a covered loss makes your home unlivable.
Personal liability
Legal fees and settlements if someone is hurt on your property.
Medical payments to others
Small-limit coverage for minor guest injuries, regardless of fault.
Optional flood safeguard
Go beyond NFIP limits with private-market flood carriers offering higher limits and, in many cases, no thirty-day waiting period.
Optional water backup, service line, and equipment breakdown
Common gaps most standard policies exclude by default.
Why TWFG Insurance
Why local homeowners stay with us
Coverage matters most on claim day. So does the person standing next to you.
Flexible deductibles that fit your budget, including split deductibles for wind and hail.
Bundle discounts when you add auto, life, or umbrella.
Local agents who answer the phone. Not a bot.
Fast, fair claims with an agent who advocates through the whole process.
Accurate rebuild cost analysis. Underinsuring the dwelling is one of the most expensive mistakes a homeowner can make at claim time.
300+
Carrier partners in the TWFG network
Local
Agents you know by name
8 Lines
Of coverage under one roof
#1
Personal-lines agency in Texas
FREQUENTLY ASKED QUESTIONS
Home insurance FAQ
he questions homeowners ask before they buy.
Enough to fully rebuild your home at today's construction costs. Not market value. Not purchase price. We use current Texas rebuild costs to set your dwelling limit correctly.
Almost never. Standard home insurance excludes flood. A separate NFIP or private-market flood policy is essential in flood-prone areas, and worth considering even in lower-risk zones during heavy rain events. Private-market options often beat NFIP on limits and waiting periods.
It depends on the claim. Weather-related claims often don't affect rates directly. Liability and repeat claims often do. Before filing a small claim, call us. Sometimes paying out of pocket saves money over the multi-year premium impact.
In Texas, most home policies carry a separate deductible for wind and hail losses, expressed as a percentage of your dwelling limit, typically 1% to 5%. It usually runs higher than your standard deductible. We shop it as its own line item.
If the home is rented, long-term or short-term, it needs a landlord or dwelling fire policy rather than a homeowners policy. See our Commercial Property and Real Estate Investor Insurance page for the right coverage.
