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YOAKUM

Texas Homeowners Insurance

Living in the Lone Star State

Cowboy hats, rodeos, barbecue, chili, football and iconic music make life in the Lone Star State distinctly Texan. If you live deep in the heart of Texas, up in the Panhandle near Amarillo, on the Gulf Coast or out in the west near El Paso, Safeco offers insurance for wherever you call home in the Lone Star State. When considering home insurance coverage in Texas, keep in mind how the climate and acts of nature have the ability to adversely affect your home and property in the second largest U.S. state. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Texas home insurance quote today.

Texas Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Texans an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Texas homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

For Texas homeowners who need increased levels of protection for extensive assets and treasured belongings, Safeco Optimum™ offers a higher level of protection.

Texas Home Insurance Discounts

Safeco offers several ways for Texans to lower your homeowners insurance rate. Talk to your local Safeco insurance agent about ways to save with Texas home insurance discounts.

Hail-Resistant Roofing

Save up to 20% on your Texas homeowners insurance bill when your home is constructed with impact-resistant roofing. Amount of discount is dependent upon the age of your home and UL class rating of your roofing.

Texas Home Insurance Coverage Options

All Safeco Texas homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Texans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Foundation Water Damage

Get coverage to help pay for repairs to your foundation damaged by water or steam from your home’s plumbing or heating system.

Water Seepage

Get coverage to help pay for damage to your home caused by seepage or leakage of water or steam from plumbing, appliances, heating or air conditioning systems.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Texas homeowners insurance policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Texas homeowners policy.

Severe Weather and Acts of Nature in Texas

Flooding in Texas

With a long history of flooding throughout the state, most Texans are familiar with the damaging effects of flood water. Intense downpours can overwhelm natural drainage systems, rivers and streams and cause flash flooding in Texas communities.

Does home insurance cover flood damage in Texas?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Hurricanes in Texas

If you live on or near the Gulf Coast of Texas you’re acquainted with the destructive power of hurricanes.

Does home insurance cover hurricane damage in Texas?

Home insurance typically covers hurricane wind damage. Flood damage from hurricanes is not covered by a standard home insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program.

Wildfires in Texas

Wildfires most often get their start by lightning strikes, by sparks from machinery and by human carelessness. High air temperature mixed with dry vegetation increases the fire threat level.

Does home insurance cover wildfire damage?

Most standard home insurance policies cover the cost to repair common wildfire damage to your home and personal belongings.

Thunderstorms, Hail and Lightning

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Are lightning strikes and hail damage covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Tornadoes in Texas

Located on the southern end of Tornado Alley, Texas is familiar with tornadoes. Texas had an average of 155 tornadoes touch down a year in the period between 1991 and 2010.

Is tornado damage covered by homeowners insurance?

A typical home insurance policy covers the cost to repair damage caused by a tornado.

Winter Weather in Texas

Below freezing winter temperatures in the Texas Panhandle and the northern Plains are not uncommon.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Is winter weather damage covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506