Coverage for Your Home
Helps repair or rebuild the insured structure after covered damage. Check how attached fixtures and separate structures are insured.
Know what is covered. Know what you would pay.
Lopez Auto Insurance & Tax helps Texas homeowners compare
available policies for their house, belongings, and liability.
We explain limits, deductibles, and important exclusions
before you choose.
Home insurance can help pay for covered damage to the home you own and live in, protect belongings, and provide liability coverage. The policy determines what is included and how claims are paid.
Buying a home, renewing a policy, or reviewing existing coverage? Start with the property and how you use it.
Helps repair or rebuild the insured structure after covered damage. Check how attached fixtures and separate structures are insured.
Can help repair or replace covered belongings, including furniture, electronics, clothing, and household items.
Can help with covered claims if you are legally responsible for someone else's injury or property damage.
May help pay increased living costs if a covered loss makes your home temporarily unlivable.
Start with the estimated cost to rebuild the house. This can differ from its sale price and excludes the land. Review belongings and liability limits separately.
Your deductible is your share of an applicable covered loss. It may be a fixed amount or a percentage of the home's insured value.
Consider the home's construction, rebuilding needs, belongings, and risks alongside what you could afford after a loss.
Ask which losses are excluded, whether special limits apply, and what additional coverage may be available.
A 2% deductible on $300,000 of dwelling coverage is $6,000.
It is based on the insured amount, not the repair bill.
Ask how the policy treats wind, hail, and other weather damage, including roof-payment terms and separate deductibles.
Local conditions and nearby hazards can affect available coverage and price. Your property needs its own assessment.
Texas does not generally require home insurance by law, but mortgage lenders usually do. Review the policy's limits, exclusions.
The house, its location, and the protection you choose all help determine the quote.
Size, construction, age, condition, roof, and major updates.
Local risks and the property's surroundings.
The amount of protection selected for the dwelling, belongings.
The amount you would pay toward an applicable covered loss.
Relevant claims history and property risks.
Insurer requirements, selected policy features, and eligible discounts.
Check the home's size, construction, roof details, updates, and use.
Review rebuilding costs, belongings, liability, and separate structures.
Choose an amount you could manage after a loss. Ask for percentage deductibles to be shown in dollars.
Check how the policy values roof and belongings claims, including any deductions for age and wear.
Review the price, limits, deductibles, and claim-payment terms together. Lopez can explain the differences.
Once it is safe, document the damage, contact your insurer, and take reasonable steps to prevent further damage. Keep receipts for emergency work and related expenses.
Payment depends on the cause of loss, policy terms, limits, deductible, and how the damage is valued. Ask your insurer to explain what applies.
For homeowners. Can cover the dwelling, belongings, liability, and other included protection.
For tenants. Focuses on belongings, liability, and other included protection rather than the building.
Own and live in the property? Start with home insurance. Renting your home?
Tell Lopez about your property and what you need to protect. We will help you review available policies and understand the coverage, limits, and deductibles.
Start online or speak with our team in English or Spanish.
Texas does not generally require home insurance by law, but a mortgage lender usually does. Homeowners without a mortgage may also choose coverage.
Start with the estimated rebuilding cost, then review belongings, liability, and other needs. The purchase price alone is not enough.
Property details, location, limits, deductibles, claims history, and insurer requirements can affect your quote.
It is your share of an applicable covered loss, expressed as a dollar amount or percentage of the insured value.
Some weather damage may be covered. Ask specifically about wind, hail, flood, roof coverage, and separate deductibles.
Start with the address, property characteristics, desired start date, and coverage needs. Additional information depends on the insurer.
Yes. Request a quote , call Lopez , or visit an office to discuss available policies.