Houston homeowners face unique insurance challenges—flood exclusions, percentage-based wind deductibles, and replacement cost gaps. This episode unpacks the six standard coverages, critical Texas-specific risks, and how to avoid being dangerously underinsured after a major loss.
[happy] Welcome back, everyone. Today we're tackling something that every Houston homeowner should understand but many don't—what your home insurance policy actually covers, and more importantly, what it doesn't. Our guest today has spent years helping families work through these details. Let's start with the basics. What are the six standard coverages in a typical homeowners policy? Texan Insurance City: Houston Address: 6161 Savoy Drive Suite 960 Website: https://www.texaninsurance.com/