Homeowners Insurance in Texas

protect your home

Protecting the Place You Call Home — with Coverage You Can Count On

Your home is more than your biggest investment—it’s where life happens. At DeShazo Insurance, we help homeowners in Sugar Land, Katy, Fulshear, and the Houston area get the right protection for their property, belongings, and peace of mind. Whether you're a first-time buyer, a long-time homeowner, or new to Texas, our job is to make sure you're covered—without overpaying.



As an independent insurance agency, we compare policies from top-rated companies like Travelers, Allstate, Progressive, and Chubb to help you find the right fit for your home and your budget.

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What Does Home Insurance Cover?

A standard homeowners insurance policy can protect you against a wide range of risks. We’ll walk you through exactly what’s covered—and what isn’t—so you’re never caught off guard.

Dwelling Coverage

Repairs or rebuilds your home after fire, hail, wind, or other covered disasters

Liability Protection

Pays for injuries or property damage to others, plus legal defense if you're sued

Personal Property

Covers furniture, electronics, clothing, and more, whether they’re damaged or stolen

Additional Living Expenses

Helps pay for hotel stays, meals, and other costs if your home is temporarily unlivable

Some basic information that can help you better plan ahead.

  • Do I need homeowners insurance in Texas?

    Consider an umbrella liability policy to protect you from accidents and costly law suits.

  • Does homeowners insurance cover flooding or hurricanes?

    Our landlord insurance policies can protect you against tenants' damage.

  • How much homeowners insurance do I need?

    Yes! Bundling policies with the same insurer often results in a discount on both. We'll help you compare bundling options from carriers like Progressive, Safeco, and Travelers.

  • Can I bundle my home and auto insurance?

    Yes! Bundling policies with the same insurer often results in a discount on both. We'll help you compare bundling options from carriers like Progressive, Safeco, and Travelers.

  • What’s the difference between market value and replacement cost?

    Market value includes the price of the land and fluctuates with the real estate market. Replacement cost is how much it would take to rebuild your home from the ground up. Insurance is typically based on replacement cost.

  • Do I need extra coverage for jewelry or collectibles?

    Most home policies have coverage limits on high-value items. If you own expensive jewelry, art, firearms, or other valuables, we’ll help you add scheduled personal property coverage.

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Get the Right Coverage, Right Here

At DeShazo Insurance, we make it easy to protect your home, your belongings, and your future. Whether you’re reviewing your current policy or starting fresh, we’re here to help you make confident choices.