Home Insurance — Houston, Texas area only. Use this checklist to review your coverage before storms threaten.
Homeowners coverage
- Is your dwelling limit enough to rebuild today?
- Do you have replacement cost or actual cash value?
- Are your personal belongings covered adequately?
Windstorm and flood
Flood and windstorm coverage may be separate from a standard homeowners policy. Availability depends on the carrier and your property's eligibility.
- Is wind/hail included, or does it require separate coverage?
- Do you have flood coverage? Standard homeowners policies typically exclude flood.
- Are there waiting periods before new flood coverage begins?
Deductibles
- Your standard deductible
- Any separate hurricane or wind/hail deductible (often a percentage of dwelling value)
Property updates
- New roof, renovations, or additions to report
- Photos or video inventory of your home and belongings
Home Insurance — Houston, Texas area only. Coverage is subject to carrier eligibility and underwriting.
About the author
Written by Zaki Enterprise Advisors — Licensed Insurance & Tax Professionals.
Reviewed by the same Texas advisors who work with our clients on tax preparation, ACA, Medicare, and property & casualty coverage.