Texas Homeowners Insurance

Texas Homeowners Insurance

Measuring larger than many countries, it’s easy to see why they say everything is bigger in Texas. The Lone Star State boasts a rich history, diverse landscapes, starry nights, wide-open spaces and 350 miles of gorgeous Gulf Coast beaches.

Texas is also home to weather extremes, including droughts, blizzards, thunderstorms, hail, tornadoes and hurricanes. This volatile weather can wreak havoc on homeowners and make it difficult to insure your home.

We understand the unique challenges Texans face when finding insurance. We also know a thing or two about offering comprehensive coverage, being easy to deal with and always being here when you need us.


SageSure offers the following products for residents in Texas:



Our HO3 homeowners policy protects your home, other structures and belongings from damages caused by an unforeseen loss. Your home and other structures are covered on an open peril* basis, subject to the exclusions listed in the policy. Your personal belongings are covered for the named perils** listed. The policy can help pay for bodily injury or property damage you are legally responsible for, such as when a guest is injured on your property, or you or a family member accidentally injures someone or damages their property.

Most homeowners insurance policies do not cover damage from floods or earthquakes. However, there may be additional coverage options available to purchase.

Flooding is a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States. Failing to evacuate flooded areas or entering flood waters can lead to injury or death.

Floods may:

  • Result from rain, snow, coastal storms, storm surges and overflows of dams and other water systems.
  • Develop slowly or quickly. Flash floods can come with no warning.
  • Cause outages, disrupt transportation, damage buildings and create landslides.
Wind Only (HWO)

Policies that provide coverage for wind-only offer protection against wind and hail damage due to storms and hurricanes. These policies are beneficial to those living in coastal areas, which are at higher risk of intense storms and where a standard homeowners policy may exclude wind damage.

Manufactured Home (MHO)

Our manufactured homeowner policy protects your home and belongings from a broad range of events. Unless those events are expressly excluded, you’re covered. Your manufactured home and personal belongings are covered on an actual cash value basis. Actual cash value (ACV) is the amount equal to the replacement cost minus depreciation of damaged or stolen property at the time of the loss. When your personal property is lost or damaged, we will reimburse you the actual cash value of the property at the time of loss, up to the limit of insurance. The policy also provides liability coverage, so you’re protected should you or a family member accidentally injure someone or damage their property.

Dwelling Fire (DP3)

A DP3 dwelling fire policy is the most comprehensive policy available for rental and other non-owner-occupied homes. The DP3 provides dwelling and other structure coverage, and covers the landlord’s furnishings, loss of rent, and on-premises liability.


*Open perils – coverage is provided for all loss types unless specifically excluded. Standard exclusions include but not limited to earthquake, flood, nuclear disaster, acts of war and intentional loss.
**Named perils – coverage is provided for specific perils only. Typically include fire, lightning, windstorm or hail, explosion, riot, aircraft damage, vehicle damage, vandalism, theft, among others. Some perils
Actual coverage will be determined at the time and location of the loss, based on the coverage in place, and laws in effect in the jurisdiction where the loss occurred.

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For more information about our products, contact SageSure Customer Care at (800) 481-0661 or email us.