Compare Home Insurance Rates in Texas

Get the Cheapest Homeowners, Renters, Condo or Mobile Home Insurance in Texas.

Get a Home Insurance Quote! as Low as $49/month

Home Insurance Quotes in Texas

Get an affordable Homeowner's,Mobile Home,Renters,Condo,Home,House,Condominium,Apartment,Townhouse,Town-home,Unite,Rented House,Rented Condo,Rented Townhouse,Mobile Home,Modular Home,Park Model,Manufactured Home,Trailer,Tiny Home
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Types of Property Insurance

as Low as$47/mo
  • Dwelling Coverage
  • Personal Property
  • Other Structures
  • Loss of Use Coverage
  • Personal Liability
  • Medical Payments
  • More info
as Low as$62/mo
  • Personal Belongings
  • Personal Property
  • Rented House
  • Rented Condo
  • Rented Townhouse
  • HO-4
  • More info
as Low as$95/mo
  • Condominium
  • Apartment
  • Townhouse
  • Townhome
  • Unite
  • HO-6
  • More info
as Low as$79/mo
  • Mobile Home
  • Modular Home
  • Manufactured Home
  • Park Model
  • Trailer
  • Tiny Home
  • More info

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Get the Best Coverage

Let us help explore different kinds of coverage to help you get the right policy.

Get a Home Insurance Quote!as Low as $39/month

Compare Quotes

Compare quotes from multiple insurers and get the best price. Our agents are dedicated to helping you find the best Texas home insurance, easy as 1-2-3.

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Compare rates and coverage, and save up to 47%. Let us quote you for a customized policy that will best fit your insurance needs and budget.

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Great Discounts

Great discounts to help you cut down on your monthly premium by finding cheap home insurance discounts as multi-policy discount, fire alarm, sprinkler system.

Easy, Fast & Free Quotes

Easy, fast & free quotes. Get your policy 100% online or over the phone in minutes. Your insurance coverage is designed to meet your needs.

Lowest Down Payment

Let us find you the lowest down payment and lowest monthly payments, all online, all from the comfort of your home. All you need is to submit your quote.

Owning or Renting a House?

Home Insurance pays to repair or replace your house and personal property if they’re damaged or destroyed by an event covered by your policy.

Renting or Owning a Condo?

Renters are encouraged to get a HO-4 policy to cover any damaged or stolen personal belongings, as most plans held by landlords won't cover.

Do You Live in Mobile Home?

HO-7 insurance is similar as a HO-3 policy but is only for mobile homes. The term mobile home does not only encompass trailers but also tiny homes.

Types of Homeowners Coverage

Homeowners policies combine several types of coverage into one policy. Most homeowners policies in Texas include these six coverages:
Dwelling coverage pays if your house is damaged or destroyed by something your policy covers.
Personal property coverage pays if your furniture, clothing, and other things you own are stolen, damaged, or destroyed.
Other structures coverage pays to repair structures on your property that aren’t attached to your house. This includes detached garages, storage sheds, and fences.
Loss of use coverage pays your additional living expenses if you have to move while your house is being repaired. Additional living expenses include rent, food, and other costs you wouldn’t have if you were still in your home.
Personal liability coverage pays medical bills, lost wages, and other costs for people that you’re legally responsible for injuring. It also pays if you’re responsible for damaging someone else’s property. It also pays your court costs if you’re sued because of an accident.
Medical payments coverage pays the medical bills of people hurt on your property. It also pays for some injuries that happen away from your home – if your dog bites someone at the park, for instance.

Types of Homeowners Insurance Policies

There are eight different types of homeowners insurance, each with their own specific coverage types.

HO-1 Basic Home Insurance
HO-1 is a basic property insurance policy with a limited amount of coverage. It protects your home from fire, windstorms, hail, or lightning.
HO-2 Basic Plus Home Insurance
The HO-2 policy includes all damage covered by HO-1 as well as damages sustained from falling objects and water damage.
HO-3 Homeowner's Insurance
HO-3 protects against sixteen of the most common perils. The policy will also cover personal belongings in the home. Some of the perils may be excluded such as earthquakes, floods, or nuclear accidents. Please make sure to check with our agency to find out which specific events are covered under your policy.
HO-4 Renters Insurance
Renters Insurance (HO-4) covers property in a rented home or apartment. It cover any damaged or stolen personal belongings as most insurance plans held by landlords won't cover personal property losses. Please note that HO-4 does not cover damage to the property itself.
HO-5 Comprehensive Homeowners Insurance
HO-5 policy includes all damage covered by HO-3, but HO-5 is the most comprehensive homeowners insurance policy available. HO-5 covers personal property from just about any incident that could occur except for those that are specifically excluded.
HO-6 Condominium / Apartment
HO-6 policies are designed for owners of condos and tenants who live in co-ops. HO-6 policy generally covers the wall, ceiling, and floor of the residence as well. HO-6 policy is for condominium, apartment, townhouse or townhome.
HO-7 Mobile Home
HO-7 is similar as a HO-3 policy but is specifically designed for mobile homes, modular homes, park models, some manufactured homes, trailers, or tiny homes.
HO-8 Old Homes
HO-8 policies are designed for old homes and are reserved for landmarks or historically significant places. Homes that are older than 40 years old may be covered under this policy.

Most Policies Cover Damages from:

  • Fire and lightning
  • Sudden and accidental release of water or smoke
  • Explosion
  • Theft
  • Vandalism, malicious mischief, riot, and civil commotion
  • Vehicles
  • Windstorm, hurricane, and hail (but not if you live on the Gulf Coast)

Most Policies Don’t Cover Damages from:

  • Flooding (you can purchase as aditional coverage).
  • A continuous water leak; policies also won’t cover mold removal, except to repair damage caused by a covered risk
  • Termites, insects, rats, or mice
  • Losses that occur if your house is vacant for the number of days specified by your policy
  • Wear and tear
  • Earthquakes or earth movement
  • Wind or hail to trees and shrubs

Flood Insurance

Homeowners policies don’t cover damage caused by floods. To protect yourself from losses caused by flooding, buy a flood insurance policy.

What Determines the Price of a Home Insurance Policy?

Insurers use a process called underwriting to decide how much to charge you. The main factors that determine the premiums charged for property insurance are - your home’s age and condition, your home’s replacement cost, your claims history, location of your property, construction materials, your credit score.

How Can I Find Cheap Home Insurance?

The best way to find cheap home insurance in Texas is to compare auto policy offerings and discounts after getting cheap home insurance quotes. There are several ways that you can get discounts on your house insurance. Great discount to help you cut down on your monthly premium is multi-policy discount.

Great Discounts to Help You Save on Home Insurance

Car insurance can be expensive, but there are ways you can cut down on your monthly premium by finding cheap home insurance discounts. The following home insurance discounts may be available to you - security alarm, fire alarm with sprinkler system, home in good condition, a newer home, auto insurance policy with the same insurance company, an impact-resistant roof, no claims for three years in a row.

You will need to start an online quote to find out which insurer offers the best home insurance discounts. It is a fast and easy 4 minutes free quote. Insurance Direct partnered with the top insurers. Let us compare and shop around for you, so you can save time and money.

The Cheapest Homeowner's Insurance Quotes in Texas

About Us

We are an independent auto, home and small business insurance agency in Texas, and we work with many different insurers to make sure you get the best coverage and price available. Our team of skilled and licensed agents work very hard with you to create a customized policies that best fit the needs and budgets of our customers.

Our expert agents look forward to helping you find the most affordable Texas home insurance quotes! Insurance Direct helps Dallas residents to find affordable prices, even if they need a custom coverage for their homes, renters, condo or mobile home.