Does homeowners insurance cover flooding?

No. Flood damage is excluded from every standard homeowners policy in Texas and needs a separate flood policy. We write both NFIP and private flood coverage, and there is typically a 30-day waiting period, so do not wait for a storm in the Gulf.

Do I need windstorm coverage in Houston?

It depends on your exact address. Some coastal areas require a separate TWIA windstorm policy while inland Harris County properties can endorse it. We will check your location and tell you which applies.

I rent. Do I really need renters insurance?

Your landlord's policy covers the building, not your belongings or your liability. Renters coverage is usually one of the least expensive policies we write.

Property Insurance

Home, condo and rental property coverage built for the Gulf Coast

Wind, hail and flood behave differently in Harris County than anywhere else. We write policies that account for that instead of leaving you to find out after the storm.

Quote property coverage (713) 644-8000

What it covers

Inside a property policy

Every policy is built from parts. These are the ones we will walk through with you before anything is signed.

Dwelling

Rebuilds the structure of your home after a covered loss such as fire, hail or wind.

Personal property

Replaces furniture, electronics, clothing and belongings inside the home.

Liability

Covers injuries to guests and damage you accidentally cause to someone else's property.

Loss of use

Pays for a hotel and meals while your home is uninhabitable during repairs.

Windstorm & hail

Separate or endorsed coverage for named storms — critical along the Texas coast.

Flood

Standard home policies exclude flood. We write separate NFIP and private flood policies.

Why work with us

What you get with Elite Auto Insurance

Landlord and renters policies quoted the same day
Bundle with auto for a multi-policy discount
Replacement cost options so you are not paid depreciated value
Coverage reviews before hurricane season

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Common questions

Property insurance FAQ

Does homeowners insurance cover flooding?: No. Flood damage is excluded from every standard homeowners policy in Texas and needs a separate flood policy. We write both NFIP and private flood coverage, and there is typically a 30-day waiting period, so do not wait for a storm in the Gulf.
Do I need windstorm coverage in Houston?: It depends on your exact address. Some coastal areas require a separate TWIA windstorm policy while inland Harris County properties can endorse it. We will check your location and tell you which applies.
I rent. Do I really need renters insurance?: Your landlord's policy covers the building, not your belongings or your liability. Renters coverage is usually one of the least expensive policies we write.

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A licensed agent will compare carriers and follow up. No obligation.