Home insurance typically covers your dwelling (the physical structure), personal belongings, liability protection, and additional living expenses if your home becomes unlivable after a covered event. Coverage varies by policy, so it's important to review your specific policy details.

While Texas doesn't legally require home insurance, most mortgage lenders require you to have coverage to protect their investment. Even if you own your home outright, insurance is strongly recommended to protect your property and belongings.

Standard home insurance policies typically do not cover flood damage. You'll need a separate flood insurance policy, which is usually available through the National Flood Insurance Program (NFIP) or private insurers.

Yes! Many insurance companies offer discounts when you bundle home and auto insurance together. This can help you save money while simplifying your coverage with one provider.

The amount of coverage you need depends on your home's replacement cost, the value of your belongings, and your liability exposure. Smart Insurance can help you determine the right coverage levels for your situation.