Coverage
Home Insurance in North Texas
Compare dwelling coverage, deductibles and roof settlement terms before choosing a home policy.
Home insurance starts with the details
Comparing home insurance means looking at what the policy asks you to pay after a loss, as well as its premium. Clawson Insurance Advisors is based in Plano and serves households across North Texas, with service also available in selected East Texas communities. Start a conversation about the home, the coverage you have, and the questions you want answered.
Look beyond the house itself
A typical home policy also addresses belongings, detached structures and extra living costs after a covered loss, subject to limits. Personal liability and medical payments are different protections: liability concerns covered harm you are legally responsible for; medical payments can address certain injuries to others. Check the limits and exclusions for each.
Separate flood from water backup
Sudden, accidental water damage is different from gradual leaks or seepage, which most policies exclude. Sewer or drain backup may need an endorsement; flood generally needs a separate policy. Most home policies exclude mold cleanup and testing after damaged materials are removed. Ask about adding coverage for cleanup after a covered loss. TDI water and mold guidance
Three things to compare
Review the dwelling limit against the cost to rebuild, rather than the sale price. Read the deductible in dollars: an illustrative 2% deductible based on a $500,000 insured dwelling amount is $10,000. The policy determines the basis and how the deductible applies.
Check the roof settlement terms. Replacement cost and actual cash value can produce different payments; actual cash value accounts for depreciation. Ask about applicable roof exclusions, repair requirements and deadlines.
Questions for your review
- What information supports the dwelling limit, and have renovations been included?
- Which deductible applies to wind and hail?
- What does the policy say about roof age and cosmetic damage?
- Which water losses are covered, and is separate flood coverage worth discussing?
Compare the whole household
When considering home and auto together, compare the combined premium and coverage with separate options. A discount on one policy does not establish that the overall package is the right fit.
Prepare for a conversation
Have your current limits, deductibles, renewal date and roof information available. Ask how to share documents securely before sending a declarations page or other personal information. Coverage availability and the final terms require an individual review.
Read the details with an example
Use the wind and hail deductible guide to turn a percentage into dollars, then compare roof replacement cost and actual cash value. For additional liability questions, review umbrella insurance.
Before renting the property
Tell the insurer before turning an owner-occupied home into a rental. Discuss whether it will be a traditional long-term lease, short-term stays or occasional paying guests; landlord coverage may not suit a short-term rental. Ask how the building, belongings, liability and any umbrella would be handled. TDI rental guidance
Talk through your questions
. This two-input ballpark is not a carrier quote or an offer of coverage.
Book a 15-minute call or call 214-315-2274.
Serving North Texas from Plano
Our service area includes Richardson, Plano, Frisco, McKinney, Prosper and Celina; Gunter, Howe, Sherman and Denison farther north; and Dallas, Oak Cliff, Cockrell Hill and Fort Worth. We also help households in selected East Texas communities. These are areas we serve, not separate office locations.
Ask about the property address, drivers and coverage you need. Carrier eligibility and policy availability depend on the individual risk and location.