Coverage

Home Insurance

Properties from starter homes to estates. Rural acreage, new builds, older homes. I know which carriers handle each.

If you own a home in Plano, Allen, McKinney, Frisco, or anywhere across Collin County, your house is almost certainly the most valuable thing you'll ever insure — and the policy protecting it is the one most people understand the least. I'm Baruch Clawson, an independent insurance advisor based right here in Plano, and my job is simple: shop 30+ carriers on your behalf, tell you the honest truth about your coverage, and make sure you're neither overpaying nor dangerously underinsured. No captive script. No pressure. Just a real conversation about your home.

One agent, 30+ carriers, zero loyalty to any of them

Here's the difference that matters most. A captive agent — the kind who only sells one company — can only ever offer you that one company's product, at that one company's price. If it's a bad fit for your situation, they still have to sell it to you, because it's all they've got.

I don't work for a carrier. I work for you. When I quote your home, I'm putting your property in front of 30-plus carriers at once and bringing back the ones that actually fit — the right coverage at the right price for your specific house, not the only option someone's allowed to sell. And if you're already with a company that's giving you a genuinely good deal, I'll tell you to stay put. That's not a sales tactic. That's the whole point of being independent.

Texas homes have Texas problems

North Texas sits in one of the most active hail and windstorm regions in the country. If you've lived in the Plano corridor for more than a couple of springs, you already know what a bad hail season does to a neighborhood's roofs. That reality shapes how your home should be insured — and it's where a lot of policies quietly fall short.

A few things I check on every Texas home:

Your wind and hail deductible is often separate from your regular deductible, and it's frequently a percentage of your home's value rather than a flat dollar amount. On a $500,000 home, a 2% wind/hail deductible is $10,000 out of pocket before coverage kicks in. A lot of homeowners have no idea that number is buried in their policy until a claim.
How your roof is covered matters enormously. Some policies pay replacement cost on a roof; others only pay actual cash value, which subtracts years of depreciation and can leave you tens of thousands short after a storm. Newer builds in Frisco and Allen and older homes in east Plano and Richardson each carry different considerations here, and the right carrier depends on which situation is yours.
Cosmetic damage exclusions and roof-age limits are increasingly common in Texas. I read the fine print so a dented-but-not-leaking roof doesn't turn into a denied claim you didn't see coming.

The coverage number most people get wrong

The single most important figure on your policy is your dwelling coverage — the amount it would cost to rebuild your home from the ground up. Not what you paid for it. Not its market value. What it costs to rebuild it today, with today's labor and material prices.

After the construction-cost spikes of recent years, a huge number of homeowners are underinsured and don't know it, because their dwelling coverage hasn't kept pace with what rebuilding actually costs now. If your home would cost $600,000 to rebuild and you're only insured for $450,000, a total loss leaves you writing a six-figure check yourself.

This is where the difference between replacement cost and actual cash value, and options like extended or guaranteed replacement cost, stops being jargon and starts being real money. Part of my job is making sure that number is right — and that you understand it — before you ever need to use it.

Bundle your home and auto for the strongest savings

Most carriers reserve their best pricing for customers who bring both their home and their auto. Bundling isn't just convenient — it's usually where the real savings live, and because I'm shopping the same 30+ carriers for both, I can find the combination that lands you the lowest total across the two rather than the cheapest home policy sitting next to an overpriced auto one. Multi-car households, teen drivers, and classic vehicles all welcome.

Let's find out if you're properly covered

Here's how simple this is. Pick whichever feels easiest:

— tell me a little about your home and I'll shop it across my carriers and reach back out to you with real numbers. No spam, no obligation, just clarity on where you stand.

— grab a time that works and we'll talk through your coverage, no pressure to switch anything.

Or just call me — 214.315.2274. You'll reach a real person in Plano, not a call center.

Ten minutes now can save you a lot — in premium, in coverage gaps, and in the peace of mind that comes from knowing your home is actually protected.