Guides on PolicyCompared

How Wind and Hail Deductibles Work in Texas

Tue, 25 Aug 2026 00:00:00 +0000

Most Texas homeowners learn how their wind and hail deductible works on the day they file a roof claim. That is the most expensive possible time to learn it. The number on your declarations page is not a dollar amount. It is a percentage, and the base it applies to is larger than most people assume. This guide explains the mechanics as they appear in the policy forms, not as they appear in marketing copy.

What Homeowners Insurance Costs in Texas in 2026

Tue, 25 Aug 2026 00:00:00 +0000

Homeowners insurance in Texas costs more than in almost any other state, and the gap is growing. According to Insurify, the average Texas premium rose 14 percent in 2025 to $4,380 a year, and the company projects a further increase to about $4,529 by the end of 2026. That is roughly double the national average, which Insurify put at about $2,110 a year.

Those are averages. Your own quote depends on where the house sits, what shape the roof is in, how large your deductibles are, and your personal rating factors. This guide walks through the real numbers, why Texas is so expensive, and what actually moves your price.

What Landlord Insurance Covers and Costs in Texas

Tue, 25 Aug 2026 00:00:00 +0000

Landlord insurance in Texas costs less than most owners expect, but the policy behind the price matters more than the price itself. This guide covers what a Texas landlord policy costs in 2026, what a dwelling fire policy actually pays for, what it excludes, and where short-term rentals break the standard coverage model.

What a landlord policy actually is

Insurers do not sell a product called “landlord insurance.” The policy you buy is a dwelling fire policy, written on one of three standard forms: DP-1, DP-2, or DP-3. The form number tells you how broad the coverage is. DP-1 is the narrowest and DP-3 is the broadest.