Homeowners Insurance in Texas
Comprehensive Protection for Your Home
A Texas homeowners insurance policy covers the structure of your home, your belongings, liability if someone gets injured on your property, and additional living expenses if you can’t live in your home after a covered loss. In Waco and surrounding areas, hailstorms and wind damage are common, so reviewing deductibles for roof claims is essential.
Tailored to Your Needs
Every home is unique. Ironwood customizes coverage based on your property value, construction type, and personal needs. Whether you own a starter home, a lakefront property on Lake Waco, or a high-value estate, we’ll match you with the right coverage. Endorsements are available for jewelry, fine art, or home-based businesses.
Texas Home Insurance Considerations
Texas policies often come with separate wind/hail deductibles, typically 1–2% of your home’s insured value. In rural counties, wildfire risk is rising, and along river valleys like the Brazos, flood zones exist. Ironwood helps you navigate these nuances so you’re not caught off guard.
Discounts & Bundling
Ironwood ensures you don’t miss out on savings. Common discounts include security systems, newer roofs, claim-free history, and bundling home and auto.
Frequently Asked Questions About Homeowners Insurance in Texas
What does homeowners insurance usually cover in Texas?
Dwelling, personal property, liability, and additional living expenses.
Does my home insurance cover flood damage?
No. Flood insurance is always a separate policy.
How do wind/hail deductibles work?
Many Texas policies have a 1–2% deductible based on the insured home value.
Can Ironwood insure vacation homes or rentals?
Yes, we provide coverage for secondary homes and rental properties.
Get Your Home Covered
Buying a new home? Ironwood works with your lender to get proof of insurance issued quickly so closings stay on schedule.