Home Insurance in Lubbock, TX
Protect your home from West Texas hail, wind and the unexpected, with a local licensed agent.
What Home Insurance Covers
Dwelling
your home's structure, including the roof
Other Structures
detached garages, fences, sheds
Personal Property
furniture, electronics, clothing
Liability
if someone is hurt on your property
Additional Living Expenses
if you can't live at home during repairs
Many Texas policies have a separate wind and hail deductible set as a percentage of your home's insured value, often 1% to 5%. Some policies pay replacement cost for your roof, others pay actual cash value after depreciation. We'll explain what yours means before a storm, not after.
Does home insurance cover hail damage?
Most Texas policies do, usually subject to a separate wind and hail deductible.
Is flood covered?
No. Flood requires a separate flood policy.
Can I bundle home and auto?
Yes, and bundling often qualifies for a multi-policy discount.
Get Your Free Quote
Protect your home with local expertise you can trust. Get started today.