Home Insurance in Fort Worth, TX | Tracy Pierce Insurance Group
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Home Insurance in Fort Worth, TX

Your roof, your belongings, and your liability, with a wind-and-hail deductible that won't blindside you after the next spring storm rolls through North Texas.

What's covered

What a standard homeowners policy covers, and what it doesn't.

Dwelling Coverage

Pays to rebuild or repair your home's structure after a covered event: fire, storm, hail, wind, and more. The key number here is replacement cost, not market value. I'll make sure your dwelling limit reflects what it would actually cost to rebuild today, not what you paid five years ago.

Personal Property

Replaces your belongings, furniture, electronics, clothing, and appliances if they're damaged, destroyed, or stolen. Most standard policies cover personal property at actual cash value (depreciated). I'll let you know when replacement cost coverage is worth the upgrade.

Liability

Covers you if someone is injured on your property and holds you responsible: a slip, a dog bite, an accident at a backyard gathering. It also covers you if you accidentally damage someone else's property. Most policies start at $100,000; I'll tell you when that's not enough.

Loss of Use

If your home is unlivable after a covered loss, a fire or a major storm, this pays for temporary lodging, meals, and other additional living expenses while repairs are completed. It's one of the most underappreciated parts of a homeowners policy until you need it.

Wind & Hail Deductible: the North Texas detail

In Texas, wind-and-hail is often written as a percentage of your dwelling value, typically 1 to 2 percent, rather than a flat dollar amount. On a $400,000 home, that's $4,000 to $8,000 out of pocket before your policy pays. This is the number most homeowners don't realize until they file a claim. I'll make sure you know yours before you sign.

What a Standard Policy Doesn't Cover

Flooding and earthquake damage are not included in a standard homeowners policy; they require separate coverage. Sewer backup, mold, and certain high-value items (jewelry, art, instruments) may also need endorsements or separate policies. I'll flag these gaps before you're in a position to need them.

Common questions

Home insurance questions I hear every week.

What does a standard Texas homeowners policy cover?
A standard HO-3 policy covers your dwelling structure, personal property, personal liability, and loss of use. It protects against named perils like fire, wind, hail, theft, and vandalism. What it does not cover: flooding, earthquakes, sewer backup, and certain high-value items like jewelry or artwork above the policy sub-limits. I'll walk you through what your specific policy covers and what gaps need to be addressed.
What is a wind-and-hail deductible and how does it work in Texas?
Most Texas policies have a separate wind-and-hail deductible that's calculated as a percentage of your dwelling's insured value, commonly 1 or 2 percent. On a $350,000 dwelling limit, a 2 percent wind-and-hail deductible means you pay $7,000 before your policy covers hail damage. This surprises a lot of homeowners after a storm. I'll explain your deductible clearly before you're in a position to need it, and I'll compare options across carriers who handle this differently.
Does my homeowners insurance cover flooding?
No. Flood damage is excluded from standard homeowners policies. Coverage for flooding requires a separate flood insurance policy, either through the National Flood Insurance Program (NFIP) or a private market carrier. Even homes not in a designated flood zone can flood after heavy rain. If flood risk is a concern for your property, let's talk about whether a separate flood policy makes sense.
How do I know if I have enough dwelling coverage?
Your dwelling limit should reflect what it would cost to rebuild your home from the ground up, not its market value or what you paid for it. Construction costs in North Texas have risen significantly, so if your policy is several years old and you haven't reviewed the dwelling limit, there's a real chance you're underinsured. Part of what I do at renewal is make sure the numbers still hold up.

Let's review your home coverage.

Send me a few details and I'll compare homeowners options across the carriers I represent, and make sure the wind-and-hail deductible and dwelling limit actually make sense for your home.

Request a free quote Or just call me: (817) 532-5111