Your home is likely your most significant investment and valuable asset. Protecting it with the right insurance policy is essential. At Galloway Insurance, we offer customized home insurance policies tailored to meet the unique needs of Texas homeowners. Our experienced agents are dedicated to providing quality service and affordable pricing to ensure your home and belongings are well-protected.
What Does Texas Home Insurance Cover?
Our Texas home insurance policies provide protection for:
- Dwelling Coverage – Pays for repairs or rebuilding if your home is damaged or destroyed by a covered event such as fire, windstorm, or hail.
- Personal Property Coverage – Protects your personal belongings, including furniture, clothing, and electronics, against theft or damage.
- Other Structures Coverage – Covers structures not attached to your home, such as detached garages, sheds, or fences.
- Loss of Use Coverage – Pays for additional living expenses if your home becomes uninhabitable due to a covered loss, covering costs like temporary housing and meals.
- Personal Liability Coverage – Provides financial protection if you are legally responsible for injuries or property damage to others.
- Medical Payments Coverage – Covers medical expenses for guests injured on your property, regardless of fault.
Do You Need Home Insurance in Texas?
While Texas law doesn’t mandate home insurance, most mortgage lenders require it. Even without a mortgage, having home insurance is vital to protect against financial loss from events like fires, theft, or natural disasters.
Why Choose Galloway Insurance?
Serving Central Texas communities, including Burnet, Horseshoe Bay, and Marble Falls, Galloway Insurance understands the unique risks homeowners face.
The Galloway Insurance Difference:
- Expertise – Decades of experience in the Texas insurance industry.
- Here to Help – Personalized service with local agents ready to assist.
- Community – Invested in Central Texas, caring for our neighbors.
- Relationship-Driven – Committed to long-term protection of your assets.
- Insight – Understanding the specific needs of Texas homeowners.
Get the Right Home Insurance Today
Protect your investment with expert coverage. Call Galloway Insurance today or visit our offices in Burnet, Horseshoe Bay, or Marble Falls for a customized Texas home insurance policy tailored to your needs.
Contact Our Offices:
- Burnet: 512-756-2988
- Marble Falls: 830-693-0808
- Horseshoe Bay: 830-598-5636
Frequently Asked Questions (FAQs)
What factors affect home insurance premiums in Texas?
Premiums are influenced by factors like the home’s location, age, construction materials, and your claims history. Homes in areas prone to natural disasters may face higher premiums.
Does home insurance cover flood damage?
Standard home insurance policies typically do not cover flood damage. Separate flood insurance is recommended, especially in flood-prone areas.
How can I lower my home insurance premium?
Installing safety features, opting for higher deductibles, and bundling policies can help reduce premiums.
What should I do after a loss occurs?
Contact Galloway Insurance immediately to report the loss. Document damages and prevent further damage if possible.
Is home insurance mandatory in Texas?
While not legally required, home insurance is often mandated by mortgage lenders. It’s advisable for all homeowners to have coverage.