Texas home insurance, prepared around your property.

What are you doing?

Property use decides the questions

• Primary residence: occupancy, roof, water history, documentation you can gather before closing.
• Second home or rental: how often it is occupied, who manages it, and whether tenants are in place.
• Condo: what the association's policy covers and where your responsibility begins.
• Vacant: how long, why, and what is being done to the property meanwhile.

Deductible illustration

Percentage deductibles are common on Texas home policies. This is arithmetic education only. The base below is illustrative; the actual policy defines the deductible and how it applies. It is not a premium estimate or a claim determination.

Questions this page prepares you for

1. Roof material, age and condition. Age alone is a different question from physical condition.
2. Occupancy and use, and whether that is changing.
3. Water-related history and any prior repairs.
4. Wind and hail questions, which depend on where in Texas the property is.
5. Flood, which is usually a separate conversation and a separate product.
6. Documents you can gather before closing: inspection, roof certificate if any, prior declarations page.

Timing and ownership of the next action

A buyer approaching closing needs clear ownership of the next action, not an urgency badge. When you submit, your request shows a reference, what was submitted, the current availability for Texas, and how to correct or withdraw it.