Your primary residence is where your life happens, and the right homeowners policy protects the structure, your belongings, and you from liability, without paying for coverage you do not need. We review your replacement cost, deductibles (including wind/hail and named-storm in Texas), and liability limits, then shop multiple carriers to balance price and protection.
Who this is for
Primary homeowners
Single-family homes you live in as your main residence.
Recent buyers
New to a home and need coverage in place by closing.
Re-shoppers
Renewal jumped? We benchmark your policy against the whole market.
What it covers
- Dwelling & other structures (replacement cost)
- Personal property & loss of use
- Personal liability & medical payments
- Wind/hail and named-storm deductible guidance
- Water backup, equipment breakdown, and endorsements
- Home + auto bundle discounts
Understanding your Texas wind & hail deductible
This is the line that surprises Texas homeowners at the worst possible time. Most policies here apply a separate, percentage-based deductible for wind and hail, and it’s calculated on your dwelling amount (Coverage A), not your home’s market value. For 2026, 2% has become the common standard, and some higher-risk areas have moved to 3%.
The math matters: a home insured for $400,000 with a 2% wind/hail deductible means you pay the first $8,000 of a storm claim before coverage kicks in. We make sure you know your exact number before you buy, and we’ll model a higher or lower deductible so you can balance premium against out-of-pocket risk on your own terms.
Replacement cost vs. actual cash value, especially your roof
Two policies with identical limits can pay out very differently after a storm. Replacement cost (RCV) pays to rebuild or repair at today’s prices. Actual cash value (ACV) subtracts depreciation, which hits hardest on roofs, where an older roof can be paid out at a fraction of what a new one costs.
We always show you how your policy treats the roof and structure, because that single setting can mean thousands of dollars at claim time. For most homeowners, replacement cost is worth the modest premium difference.
How much dwelling coverage you actually need
Your dwelling limit should reflect what it would cost to rebuild your home at current construction prices, which is often different from your market value or tax appraisal. Set it too low and you’re underinsured when it matters; too high and you’re paying for coverage you can’t use. We calculate a realistic replacement cost with you so the number is right.
New for 2026: the appraisal provision (SB 458)
Texas Senate Bill 458 now requires personal and residential property policies issued or renewed after January 1, 2026 to include an appraisal provision, a formal way to resolve disputes over how much a covered loss is worth. It’s a meaningful homeowner protection, and we’ll point it out in your policy so you know the option exists if you and the carrier ever disagree on a claim amount.
How much does homeowners insurance cost in New Braunfels, TX?
There’s no single price, Texas is consistently one of the pricier states for home insurance, largely because of hail and severe storms, and a New Braunfels policy typically lands somewhere in the low-to-mid four figures a year for a standard single-family home. Where your home falls in that range depends far more on its specifics than on any statewide average, so the only truly accurate number is a real quote on your address.
A few factors move the premium the most: your home’s rebuild cost (what it would cost to reconstruct today, not its market or purchase price), the age and material of your roof, your recent claims history, your credit-based insurance score, and the deductibles you choose, including the separate wind & hail deductible covered here. Because every carrier weighs those differently, the same New Braunfels home can be priced thousands apart from one company to the next. We shop 15+ carriers on your exact profile and bring back the best combination of price and coverage.
- Rebuild cost, the dwelling limit should reflect today’s construction costs, not your sale price
- Roof age & type, older roofs and certain materials raise the rate (and may change how a claim pays, see replacement cost vs. ACV)
- Claims history, recent claims on the home or the owner push premiums up
- Your deductibles, a higher all-perils deductible usually lowers the premium
What homeowners insurance does and doesn’t cover
A standard Texas homeowners policy is really several coverages in one. It pays to repair or rebuild your house (dwelling), covers detached structures like a fence, shed, or garage (other structures), replaces your belongings (personal property), helps with hotel and living costs if a covered loss makes your home uninhabitable (loss of use), and protects you if someone is injured on your property or you’re found liable for damage (personal liability).
What it doesn’t cover surprises people. A standard policy excludes flood damage entirely, rising water from heavy rain or an overflowing Guadalupe or Comal River needs a separate flood insurance policy. It also won’t pay for normal wear and tear, lack of maintenance, or gradual deterioration, insurance is for sudden, accidental losses, not upkeep. And if you want liability protection beyond what your home policy includes, a personal umbrella adds an extra layer above it. We’ll walk through exactly where your coverage starts and stops before you sign.
- Covered: dwelling, other structures, personal property, loss of use, and personal liability
- Not covered: flood (separate policy), plus normal wear, neglect, and gradual damage
- Add for more protection: a personal umbrella for higher liability limits across your home and autos