Texas Homeowners Insurance in Fort Worth, TX
Your home is likely one of your biggest investments. Our licensed agents compare homeowners policies from the companies we represent and help you understand what is and isn’t covered.
What homeowners insurance is
Homeowners insurance is a package policy: it covers damage to your home and belongings, and your legal responsibility for injuries or property damage you or your family cause to others, including damage caused by household pets.
Damage from most disasters is covered, but there are important exceptions. Floods and earthquakes need separate policies, and problems caused by poor maintenance are the homeowner’s responsibility.
What a standard policy protects
The house itself
Repairs or rebuilding after a covered loss such as fire or storm damage.
Your possessions
The things you keep in your home, including after theft or vandalism.
Injuries to others
Liability and medical coverage if a guest is hurt at your home.
Why you need homeowners insurance
It protects you financially if something unexpected happens:
- If fire or a natural disaster damages your home, you need money to repair or rebuild it
- If a guest is injured, liability and medical coverage help pay the costs
- If you’re a victim of theft or vandalism, it can pay for repairs or your loss
- If you have a mortgage, your lender will require it
Questions to ask your agent
Because everyone’s needs are different, these are worth talking through:
- Rebuilding costHow much would it cost to rebuild your home and replace your belongings?
- DiscountsAsk about multi-policy, security system and fire-resistance discounts.
- ClaimsHow the company handles claims, who to call and what happens next.
How we help
- ListenYour home, what you own and the risks you want covered.
- CompareOptions and prices from the insurance companies we represent.
- Set it upWe help you apply and explain what your policy covers.
- Stay in touchHere for changes, claims questions and renewals.
Why work with us
- A local office at 109 E Rosedale St, Fort Worth, open Monday to Friday, with weekend appointments
- Licensed insurance agents: Crystal Schuder, Harley Schuder and Carolina Cox
- An independent agency, so we can compare more than one insurance company
- Free quotes with no obligation
- Help in English or Spanish
- Home, auto, life, business and Medicare under one roof
Carolina Cox on our team can help you in Spanish.
Homeowners insurance questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
Does homeowners insurance cover flooding?
No. A standard homeowners policy does not cover flood damage. Flood insurance is a separate policy, and we can help you look at options.
Is my lender going to require homeowners insurance?
If you have a mortgage, your lender will require you to carry homeowners insurance on the property.
Does homeowners insurance cover damage caused by my pet?
The liability part of a homeowners policy can cover injuries or property damage your household pets cause to others, subject to your policy’s terms.
What isn’t covered by homeowners insurance?
Floods, earthquakes and damage from poor maintenance or normal wear are not covered by a standard policy. Read your policy and ask us what’s included.
Can I save by bundling home and auto?
Many insurance companies offer a multi-policy discount. We can quote home and auto together so you can compare.
Serving Fort Worth and Tarrant County
From our Fort Worth office we help clients in person, by phone and online across the Dallas–Fort Worth area.
What our clients say
Reviews from our clients on Google.
Great Job Harley and have a Happy New Year
He wanted to see what other insurances were available to him. Since he is receiving insurance through his retirement package she walked us through what questions to ask the human resource department.
Harley, has spent hours working with us over the past months. We highly recommend her!!!
Protect your home
Compare homeowners coverage with a licensed local agent. Free quotes, no obligation.