Home Insurance That Fits How You Actually Live
Primary residence, brand-new build, century-old charmer, lake house, short-term rental, condo, mobile home, or rental property — we insure them all and shop the market for you.
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Tell us a little about you and we’ll shop the market. No spam, no pressure.
Your home is probably the biggest investment you will ever make, and no two homes are alike. A new construction in a master-planned community needs different coverage than a 1920s bungalow or an Airbnb on the Guadalupe. As an independent agency, Coverall Insurance Agency matches your specific home to the carrier that prices it best — instead of forcing every house into one company’s box.
Explore your coverage options
Homeowners Insurance for Your Primary Residence
The place you live every day deserves coverage built around it — not a one-size template. We shop the market and explain every line.
Learn more →New Construction Home Insurance
Brand-new builds often qualify for the lowest rates in the market. We make sure you capture every new-home credit.
Learn more →Older & Historic Home Insurance
Character comes with quirks. We work with carriers that understand older roofs, wiring, and plumbing instead of running from them.
Learn more →Second Home & Vacation Home Insurance
Lake house, Hill Country retreat, or out-of-town getaway — second homes carry different risks, and we cover them right.
Learn more →Airbnb & Short-Term Rental Insurance
Hosting on Airbnb or VRBO turns your home into a business. We cover it like one — so a guest claim does not become your problem.
Learn more →Condo Insurance (HO-6)
Your HOA covers the building. Everything inside your walls is on you — that is what an HO-6 policy is for.
Learn more →Mobile & Manufactured Home Insurance
Single-wide, double-wide, owned land or rented lot — manufactured homes need their own policy, and we write it.
Learn more →Landlord & Rental Property Insurance
Renting out a property is a business. Landlord coverage protects the building, your liability, and the rent you count on.
Learn more →High-Value & Luxury Home Insurance
Custom builds, estates, and luxury homes need more than a standard policy. We place coverage with carriers built for high-value properties.
Learn more →One agent for every kind of Texas home
A new build in a master-planned community, a century-old bungalow, a lake house on the Guadalupe, an Airbnb, a mobile home, a condo, a rental — each one is priced and underwritten differently, and no single carrier is best at all of them. As an independent agency, we match your specific property to the carrier that handles it best instead of forcing every house into one company’s box.
What every Texas homeowner should understand
Two things trip up more Texas homeowners than anything else. First, the wind & hail deductible — most policies here apply a separate, percentage-based deductible (commonly 2% in 2026) calculated on your dwelling amount, so a storm claim can cost you thousands before coverage starts. Second, replacement cost vs. actual cash value — especially on your roof, where ACV depreciation can slash a payout.
We walk you through both before you buy, size your dwelling limit to true rebuild cost (not market value), and make sure your policy reflects the protections you actually want. New for 2026, Texas policies also include an appraisal provision (SB 458) for resolving claim disputes — we’ll point it out.
Bundle your home and auto to save
Multi-policy discounts are some of the largest in insurance, and bundling means one local agent manages your whole picture — home, auto, and the toys. We’ll quote them together and show you the combined savings side by side. Most clients save the most right here.
Home insurance questions, answered
How is my homeowners premium calculated in Texas?
Mainly by your home’s replacement cost, location, age, roof, claims history, and the deductibles and coverages you choose — including the separate wind/hail deductible. We shop multiple carriers because the same home can be priced very differently from one to the next.
Do you insure homes other companies turn down?
Often, yes. Older homes, prior claims, mobile homes, short-term rentals, and coastal/water exposure can all get declined by standard carriers. We work with specialty markets built for exactly those situations.
What is the wind and hail deductible?
It’s a separate deductible — usually a percentage of your dwelling amount, commonly 2% in 2026 — that applies specifically to wind and hail claims. On a $400,000 home, 2% means you pay the first $8,000. We make sure you understand yours before you buy.
Should I bundle my home and auto?
Usually it saves money and simplifies your life with one agent for everything. We’ll quote home and auto together and show you the bundled discount versus separate policies.
Every home is different. Yours deserves the right policy.
Tell us about your home and we’ll match it to the carrier that prices it best.