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Coverage Options

What Home Insurance Covers

Your structure.

Repairs or rebuilding after fire, hail, wind, and other covered damage. In North Texas, hail is not an if. It’s a when.

Your belongings.

Furniture, electronics, clothing, appliances. Covered against theft and damage, even away from home.

Your liability.

If someone is injured on your property, liability coverage protects you from lawsuits and medical bills.

Your living expenses.

If a covered loss makes your home unlivable, your policy helps pay for temporary housing.

Differentiators

The Lopez Difference

We explain the fine print.

Roof coverage, wind/hail deductibles, exclusions. We go through them with you line by line so there are no surprises at claim time.

We re-shop your rate.

Premiums creeping up every year? Bring your current policy. We will compare it against multiple carriers in one visit.

Bundle and save.

Combining home and auto with the same carrier usually earns a meaningful discount. We will run both numbers for you.

FAQ

Common Quote Questions

Not by law, but if you have a mortgage, your lender requires it. And going without it puts your biggest asset at risk.
Texas rates have risen with storm activity and construction costs. That is exactly why re-shopping your policy every renewal matters.
A separate, usually percentage-based deductible for storm damage. We will show you what yours actually means in dollars.

Bring Your Current Policy. We’ll Beat It, or Tell You It’s Good.

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