Dwelling protection
Repairs or rebuilding after covered damage.
Homeowners insurance
Protect your home, your belongings, and your liability.
Homeowners insurance can help repair or rebuild your home after covered damage, replace belongings, and protect you if someone is injured on your property. MBS can connect you with a licensed insurance professional in our office for a quote.
- Dwelling and belongings
- Personal liability
- Licensed insurance professional
The basics
What a homeowners policy usually includes.
Actual coverage depends on the policy. Read the declarations page and exclusions before you buy.
Dwelling protection helps pay to repair or rebuild the structure of your home after a covered loss, such as fire or certain storm damage. Other structures, like a detached garage or fence, may also be covered.
Personal property coverage helps replace belongings such as furniture, clothing, and electronics. Personal liability coverage can help if you’re legally responsible for injuring someone or damaging their property, and medical payments coverage may help with minor injuries to guests.
Additional living expenses (loss of use), where applicable, can help with temporary housing and costs if a covered loss makes your home unlivable.
Every policy has deductibles and exclusions. Your lender may also require homeowners insurance as a condition of your mortgage.
Needs it may address
What homeowners coverage can protect.
Personal property
Furniture, clothing, electronics, and more.
Personal liability
If someone is injured on your property.
How it works
How quote assistance works.
Send a quote request
Tell MBS whether you’re interested in home, auto, or both, and how you’d like to be contacted.
Get connected
Cameron connects you with an appropriately licensed insurance professional in our office.
Review your options
The licensed professional reviews your coverage needs, prepares personalized quotes, and answers your questions.
Key features and important limitations
Texas homeowner considerations
- Wind and hail may carry a separate deductible, often a percentage of the dwelling amount.
- Flood is generally excluded from standard homeowners policies and is covered by separate flood insurance, which often has a waiting period.
- Ask whether the dwelling is insured for replacement cost and how belongings are valued.
Deductibles and common exclusions
- You pay the deductible before the policy pays on a covered claim.
- Wear and tear, maintenance issues, and flood are commonly excluded.
- Jewelry and other high-value items may have sub-limits.
- Are buying a home and need coverage before closing.
- Have a renewal with a significant premium change.
- Want to understand your wind, hail, and flood coverage.
Questions
Common questions
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood. Flood insurance is a separate policy, often with a waiting period before it takes effect.
Who will give me a quote?
An appropriately licensed insurance professional in the MBS office — not MBS itself.
Quote request
Request quote assistance
Send a quote request
Tell MBS whether you’re interested in home, auto, or both, and how you’d like to be contacted.
Get connected
Cameron connects you with an appropriately licensed insurance professional in our office.
Review your options
The licensed professional reviews your coverage needs, prepares personalized quotes, and answers your questions.
Home and auto insurance quotes, coverage recommendations, policy placement, and servicing are provided by an appropriately licensed insurance professional. Coverage options and availability vary.
Prefer to talk first? Contact MBS or call (832) 899-5420.
Quote assistance
Request a homeowners insurance quote.
We’ll connect you with a licensed insurance professional in our office.
Home and auto insurance quotes, coverage recommendations, policy placement, and servicing are provided by an appropriately licensed insurance professional. Coverage options and availability vary.
McClendon Benefits Solutions does not sell, issue, bind, underwrite, or service home or auto insurance policies. Submitting a quote request does not bind coverage; coverage begins only when an insurer issues a policy.
General, educational information only — not a policy or a quote. Coverage, deductibles, exclusions, discounts, and eligibility vary by insurer, property, vehicle, driver, and location.