Homeowners Insurance

🏡 Homeowners Insurance in Texas: Protecting What Matters Most
Your home isn’t just a structure—it’s where your life happens. At Alamo Shield Insurance Agency, we help Texans safeguard their homes with coverage that’s clear, comprehensive, and tailored to your needs.
What Does Homeowners Insurance Cover?
A standard Texas homeowners policy (HO-3) typically includes:

• Dwelling Coverage: Repairs or rebuilds your home after damage from fire, wind, hail, or vandalism
• Personal Property: Covers belongings like furniture, electronics, and clothing
• Liability Protection: Helps pay legal costs if someone is injured on your property
• Additional Living Expenses: Covers temporary housing if your home becomes uninhabitable
  Floods and earthquakes are not covered by standard policies—you’ll need separate coverage for those.
  🌪️ Why Texas Homeowners Need Strong Coverage
  Texas ranks among the most disaster-prone states in the U.S., with frequent hailstorms, hurricanes, wildfires, and tornadoes. That means:
• Higher premiums than the national average
• More insurers exiting the market or tightening coverage
• Greater need for personalized, reliable protection
  If you live in a coastal county, you may need a Texas Windstorm Insurance Association (TWIA) policy to cover wind damage.
  💸 What Does It Cost?
  Homeowners insurance premiums vary based on location, home value, and risk factors. Here’s a snapshot:

Why Choose Alamo Shield?

We know Texas. We know insurance. And we know how to protect your home with policies that make sense for your budget and lifestyle.

• Local expertise in Austin and Travis County
• Access to top-rated U.S. carriers
• Clear, jargon-free guidance
• Fast, friendly claims support
• Custom coverage options for high-risk areas
  Whether you’re buying your first home or reviewing your current policy, Alamo Shield is here to help you feel secure—rain or shine.