Your home is one of your most valuable investments. Homeowners insurance protects that investment, safeguarding your property, belongings, and liability risk. It safeguards your financial future.

What does homeowners insurance protect?

  • Your Home’s Structure. Floods. Fire and lighting. Wind damage. It all happens in Texas and an insurance policy helps with the costs of repairing or rebuilding if it happens to you.
  • Your Personal Belongings. From furniture and clothing to electronics and more, your belongings are protected from theft or damage. Some policies cover items when they’re not on the property.
  • Your Liability. If someone is injured on your property you could be held liable. Insurance can help cover legal fees or medical expenses.

Do I have to get homeowners insurance?

If you have a mortgage, yes. While Texas law doesn’t require homeowners insurance, most mortgage lenders do. It’s there to protect your investment in the home and their investment in you.

How do I pay my homeowner’s insurance?

Most people pay homeowners insurance (and sometimes property taxes) as a portion of their monthly mortgage payment.

Considerable Risks with Considerable Costs

Extreme weather events are rising in Texas. Tornadoes, hail, and severe winds are increasingly common. At the same time, the costs of construction and building materials are rising. These factors have caused insurance premiums to increase. You’ll need to budget for homeowner’s insurance now more than ever.

How much should you expect to pay? NerdWallet’s analysis found that the average homeowners insurance premium in Texas for 2025 is $4,585 a year. That’s about $382 a month.

How can I keep my insurance costs lower?

Shop around. Do your homework on homeowners insurance providers in Texas. Determine what type of coverage you need. Some companies offer standard comprehensive coverage, while others include protection from things such as wind and flood as add-ons.

Check for discounts. Some insurers, for example, give credit to policyholders for fire alarms and home security systems. Others may offer discounts for paying your premium annually instead of monthly.

Take Inventory

It’s a simple way to prepare for the unexpected but few homeowners take this step: count your stuff. Most insurance companies want a record of lost or damaged items before paying a claim. Keep receipts. Take pictures and videos. If the time comes, you’ll be ready.

To talk about homeowners insurance and other costs related to a mortgage, contact a member of the Decker Group at (972) 591-3097 or connect with us online.