Home insurance in Fort Worth
A home policy is six coverages sold together. The part most people have never worked out is the wind and hail deductible, so we start there.
A common wind and hail deductible
2%
On a house insured for $380,000, that is $7,600 out of your pocket before the policy pays for a roof. Work out yours.
What is in a home policy?
| Coverage | What it pays for |
|---|---|
| Dwelling | Repairs or rebuilds the house when it is damaged by something the policy covers. |
| Other structures | Fences, sheds and detached garages that are not attached to the house. |
| Personal property | Furniture, clothing and other belongings that are stolen, damaged or destroyed. |
| Additional living expenses | The extra cost of living somewhere else while covered damage is repaired. |
| Personal liability | Medical bills, lost wages and other costs for people you are legally responsible for injuring. |
| Medical payments | Medical bills for people hurt on your property. |
What do most home policies cover?
- Fire and lightning
- Sudden and accidental water or smoke damage
- Explosion
- Theft and vandalism
- Damage from aircraft and vehicles
- Windstorm and hail, away from the Gulf Coast
What do most home policies leave out?
- Flooding
- Continuous water leaks
- Termites, insects and rodents
- Losses while the house sits vacant
- Wear and tear
- Earthquakes
- Wind or hail damage to trees
Replacement cost or actual cash value?
Replacement cost coverage pays to repair or replace your house and belongings at current prices. Actual cash value coverage pays replacement cost minus depreciation.
On an older roof, that difference can be most of the bill. Ask which one your policy uses for the roof, because some policies treat the roof differently from the rest of the house.
The dwelling limit should match what it costs to rebuild the house. That number has little to do with what the house would sell for, and it moves when lumber and labor prices move.
What else does Sideoats write?
We are an independent agency, so your policy can be placed with the carrier that fits and checked against the others at renewal.
Home
You are on this page.
Auto
The Texas minimum is 30/60/25. We show you what the next step up covers.
Renters
Your landlord's policy covers the building. This one covers what is inside it.
Flood
Home policies do not cover flooding, and most flood policies take 30 days to start.
Business
General liability, commercial auto and property for shops, trades and offices.
Umbrella
Extra liability coverage that sits on top of your home and auto policies.
Home insurance, answered
Does home insurance cover hail damage in Fort Worth?
Most home policies cover windstorm and hail. The deductible comes out first, and for wind and hail it is often a percentage of what the house is insured for. The hail deductible guide shows what that is in dollars.
Is flood damage covered by home insurance?
No. Flooding needs its own policy. See flood insurance.
How much dwelling coverage do I need?
Enough to rebuild the house at today's prices. We run a rebuilding cost estimate with you and compare it to the limit on your current policy.
What is the Consumer Bill of Rights?
Texas has a Consumer Bill of Rights for home and renters insurance. Your insurance company gives you a copy when you get or renew a policy. It lists what the company owes you and how to complain.
Have us read your policy
Send four details and an agent calls back the same business day. Bring your current policy to the call and we will find the deductible together.
Monday to Friday, 8:30 AM to 5:30 PM Central. Magnolia Avenue, Near Southside, Fort Worth.