Home Insurance in Texas

One hurricane, hailstorm, or house fire is all it takes to leave a Friendswood homeowner facing tens of thousands of dollars in damage, and a single coverage gap can turn that disaster into a financial one. Charles Rohden Insurance Agency helps homeowners throughout Friendswood and Galveston County build a policy that covers the specific risks of our area, not a generic template.

What a Standard Homeowners Policy Covers in Friendswood, TX

Most Texas homes are insured under an HO-3 policy, which protects against a wide range of risks unless specifically excluded. A typical policy includes:

• Dwelling coverage to rebuild or repair your home's structure
• Personal property coverage for your belongings
• Liability coverage if someone is injured on your property
• Loss of use coverage for temporary housing if your home becomes unlivable
• Other structures coverage for fences, sheds, and detached garages

Windstorm and Flood Coverage for Galveston County Homes

Wind and hail. Homes further inland typically have wind and hail damage built into their homeowners policy, but properties closer to the coast, including parts of Galveston County, may need a separate windstorm policy through the Texas Windstorm Insurance Association (TWIA) if a private carrier will not offer the coverage. We can help you determine which situation applies to your address.

Flood damage is never included. No standard homeowners or windstorm policy covers flood damage, even when the flooding is caused by a hurricane. Because much of the Houston Bay Area sits in a flood-prone region, we recommend pairing your homeowners policy with a flood insurance policy for complete protection.

Extra protection worth considering. Combine your home insurance with auto insurance or an umbrella policy through our agency for broader liability protection and potential multi-policy discounts.