What Is True Texas Home Insurance?

Let’s be honest. Over the last couple of years, it feels like home insurance has gotten way out of hand.

Prices keep climbing. Policies keep changing. And most folks aren’t even sure if what they’re paying for will actually help them when something goes wrong.

You’re not crazy for being frustrated. You’re right to ask, “Is this even worth it anymore?”

That’s why we created True Texas Home Insurance.

At Insurance For Texans, we’ve talked with thousands of homeowners across the state. No matter where they live or what kind of home they own, we keep hearing the same three complaints over and over again:

This stuff is expensive.
It makes zero sense.
And when I need it, it doesn't seem to help.

We can’t control the rates. But we can make sure you’ve got the kind of policy that actually shows up for you when the storm hits or the pipe bursts.

That’s the point of True Texas Home Insurance.

Let’s show you what that means.

If you have heard enough, click that blue button!

Or keep scrolling and let us show you below exactly what True Texas Home Insurance means for you!

Five Key Areas For True Texas Home Insurance

What You Really Need From Home Insurance

Every policy comes with the basics.

It covers your house and the stuff inside.
It covers your liability.
And it has a deductible you pay when things go sideways.

That’s the easy part. What gets tricky is all the stuff packed into the fine print.

Big-name insurance companies love putting you in a “package” that sounds good but skips the things that matter most when it’s time to file a claim. And unless you know where to look, it’s easy to think you’re covered when you’re not.

True Texas Home Insurance fixes that by focusing on the five most important things that actually protect your home:

Extended Replacement Cost
Personal Property Replacement
Comprehensive Water Coverage
Roof Replacement Cost
Lowest Possible Deductibles

Here’s what each one really means.

Extended Replacement Cost

This covers the cost to rebuild your house if it gets wiped out. But here’s the catch: most policies use an estimate to figure out how much your home is worth.

That’s fine until the price of lumber or labor jumps overnight. Then your "fully covered" rebuild comes up short.

Extended Replacement Cost gives you extra coverage — sometimes 10% to 50% more than your estimated value — to help bridge that gap. Some companies even offer guaranteed replacement no matter what the market does.

We always recommend going with at least 50% if it’s available. The cost is small, but it can save you big when it counts.

Personal Property Replacement

Your couch. Your fridge. That TV you bought on Black Friday.

All of that falls under personal property.

Most people don’t realize their policy might only pay for the “used” value of those items. That means if your stuff gets wrecked, you get a check for the yard-sale price… not what it costs to replace it today.

We think that’s nonsense.

True Texas Home Insurance gives you the option to get replacement cost — not the garage sale version — so you can replace what was lost with something brand new.

Comprehensive Water Coverage

Let’s talk about water.

Almost every policy covers sudden pipe bursts. But that’s just the start. What about water backing up from the sewer? Or a slow leak under the slab that goes unnoticed for weeks?

A lot of agents skip this coverage. Or they cap it so low that you’re out thousands when a pipe bursts under your bathroom floor.

We help you get the good stuff — coverage for backup, slab leaks, and foundation access if you ever need to get under your home to fix something major.

This is one of those things you don’t think about until you’re standing in an inch of water in your hallway.

Don’t be that person.

Roof Replacement Cost

In Texas, hail isn’t just a possibility. It’s a given.

Insurance companies know that. And lately, they’ve started pulling tricks to cover less of your roof repair than you expect.

One of the sneakiest ones? They swap your full replacement coverage for something called a roof payment schedule. It sounds fine until you realize it means they’ll only pay half or less of what it takes to replace your roof — based on how old it is.

Seven years in? Too bad. You’re getting 60%. The rest is on you.

That’s why we push hard for full replacement cost on your roof. If you’re paying for coverage, you deserve coverage that doesn’t come with a catch.

The Lowest Deductibles You Can Get

We get it. A lower premium feels good when money’s tight.

But raising your deductible to 3% or 5% of your home’s value can mean paying thousands more out of pocket when something goes wrong. That tradeoff is rarely worth it.

For example, if your house is insured for $400,000, a 2% deductible means $8,000. A 1% deductible means $4,000. That’s a huge difference when a storm rolls through.

We work hard to help you lock in the lowest deductibles that make sense for where you live.

Why Texans Are Switching to True Texas Home Insurance

At the end of the day, you want to know three things:

Is my house covered if a storm hits?
Will I be able to replace what I lost?
Am I paying more than I should?

With True Texas Home Insurance, you get clear answers to all three.

Our independent agents are based right here in Texas. We know how storms work. We know how the soil shifts. And we know the difference between a good policy and one that’ll leave you hanging.

You don’t have to become an insurance expert. That’s our job.

You just need to work with someone who gives a damn about getting it right.

Click the button below to get started. Let’s build you a home insurance policy that actually protects what matters.