homeowners insurance texas

Offering affordable homeowners insurance in Texas since 1978

If you are looking for homeowners insurance, you’ve come to the right place. Our licensed agents are ready to help you select the right coverage to protect your home, personal property and your personal liability. Texas State Low Cost offers competitive rates and broad, all risk comprehensive coverage. If you own any rental units we can provide coverage for your income generating properties as well.

What does homeowners insurance in Texas cover?

Homeowners insurance covers damage to your property and possessions in the event of certain risks such as storms, fire, theft, vandalism, or water damage. Like renters insurance, homeowners insurance also protects you if someone gets hurt in your property. In this case, homeowners insurance typically covers not only your legal defense fees, but the injured party’s medical expenses as well.

Most home insurance plans contain what is called a “loss of use” provision. This means that if there is damage to your home (e.g. by fire) and you are unable to live in it during renovation, your loss of use provision could kick in and pay for hotel bills or other accommodation up to a dollar limit.

If one of your possessions is lost or stolen outside of the home, your homeowners insurance can cover that loss, too. For example, if your laptop is stolen from your car, your homeowners insurance could reimburse you for the loss.

What else do I need to know about obtaining homeowners insurance in Texas?

There are several things you should be aware of before purchasing homeowners insurance.

  • Decide how much coverage to get. Determining the ideal amount of coverage involves considering a variety of factors. You must estimate the cost required to rebuild your home, take an inventory of your personal property, and consider your assets. Agents at Texas State Low Cost can help you navigate these considerations.
  • Replacement cost versus actual cash value. If a burglar broke into your home and stole your four year old flat screen TV, a Replacement Cost policy would reimburse you for the cost of buying a new TV similar to the one that was stolen. With an Actual Cash Value (ACV) policy, you would only be reimbursed the amount it would cost to purchase a four year old flat screen TV. Most standard homeowners insurance policies offer Replacement Cost; just make sure the dollar amount is sufficient.
  • How to reduce your premiums. There are some common sense steps you can take to make sure your premiums are as low as possible. Keep your home safe by ensuring that you have a working smoke alarm in all the major rooms of your house. Customers with deadbolts and, even better, alarm systems can also pay less for homeowners insurance. Occasionally, we are able to save customers money by bundling plans. So if you have an auto insurance policy with us, for example, and are also interested in home insurance, in some cases we may be able to offer you a discount.

Not only is it smart to protect what is likely your most valuable asset, getting homeowners insurance is typically required by your lender. If you have questions, call Texas State Low Cost at 800-334-3943 today for a free quote! We can get you insured with a competitively priced homeowners insurance plan so you can rest assured you’re protected.


Policies and pricing may vary and customers must refer to their own declarations page and carrier guidelines for specific information about their policies. These pages do not in any way guarantee or constitute eligibility for coverage.