Homeowners Insurance

A standard homeowners policy isn't always enough — especially in Texas and Florida, where wind, hail, and flooding create exposures that many off-the-shelf policies handle poorly. Wirehaired Trust reviews every element of your coverage, not just the premium, to make sure you're actually protected when it matters.

What Homeowners Insurance Covers

• ✓Dwelling coverage — Rebuilds or repairs the structure of your home after a covered loss
• ✓Other structures — Fences, detached garages, sheds, and outbuildings
• ✓Personal property — Furniture, electronics, clothing, and belongings inside your home
• ✓Loss of use — Hotel and living expenses while your home is being repaired
• ✓Personal liability — Protection if someone is injured on your property
• ✓Medical payments — Covers minor injuries to guests regardless of fault

Texas & Florida Homeowners Considerations

• ✓Texas hail and windstorm risk requires careful deductible selection — many policies carry separate wind/hail deductibles of 2%–5% of your dwelling value
• ✓Florida coastal homeowners face carrier availability challenges — we work with insurers still actively writing in coastal counties
• ✓Named storm and hurricane deductibles are standard in FL — we help you understand exactly what triggers them
• ✓Flood damage is typically excluded from homeowners policies — see our Flood Insurance page for NFIP and private options
• ✓Replacement cost vs. actual cash value is one of the most important coverage decisions — we walk through the difference with every client

Why Replacement Cost Matters

Many homeowners are significantly underinsured because their dwelling coverage hasn't kept pace with construction costs. We review your home's replacement cost value — not its market value — to make sure your policy actually covers a full rebuild after a total loss.

Get a Homeowners Quote