What’s Covered Under My Homeowner’s Insurance Policy?

Homeowner’s insurance is one of those things you don’t think about—until you really need it. And by then, it’s too late to read the fine print.

In Lubbock, where wind, hail, and sudden weather shifts are part of life, understanding what your policy covers (and doesn’t) is one of the smartest moves you can make as a homeowner.

Here’s what most standard homeowner’s insurance policies in Texas include:

1. Dwelling Coverage
This covers the physical structure of your home—walls, roof, foundation, floors, built-in appliances, and attached structures like your garage. If a storm damages your roof or a burst pipe ruins your floors, this section covers repairs or rebuilding costs.

2. Other Structures
Detached structures like sheds, fences, and workshops are typically covered up to 10% of your dwelling limit. That means if your home is insured for $300,000, other structures may be covered for $30,000.

3. Personal Property
Your belongings—furniture, clothing, electronics—are covered if they’re damaged, destroyed, or stolen. Some categories (like jewelry or collectibles) have limits unless you add extra coverage.

4. Liability Protection
If someone gets injured on your property and you’re found legally responsible, liability coverage helps pay for legal fees, settlements, or medical expenses.

5. Loss of Use (Additional Living Expenses)
If your home becomes unlivable due to a covered event, this helps pay for temporary housing, meals, and related expenses while repairs are made.

Now, here’s what’s not automatically covered:

• Flood damage (requires a separate policy)

• Earthquakes or foundation shifting

• Regular wear and tear or neglect

• Certain wind or hail exclusions, depending on your policy type

Because Lubbock faces frequent hail and high winds, many homeowners choose extended roof coverage or replacement-cost policies instead of actual cash value, which depreciates over time.

When I help clients buy or sell, I always suggest reviewing insurance quotes early—ideally before the inspection period ends. Different homes, roof ages, and zip codes can dramatically change your premium.

And don’t just go for the cheapest rate. Go for the coverage that keeps you sleeping well when the next West Texas storm rolls in.

A home is more than an investment—it’s stability. And the right policy makes sure it stays that way.

— Insights from Tess Hernandez, Realtor | Reside Real Estate