Home Insurance From a Local, Independent Advisor
Your home is likely your biggest investment, and in North Texas it faces hailstorms, high winds, severe thunderstorms and the occasional ice storm. Trailmark Insurance Advisors helps homeowners in Denton, Corinth, Argyle, Flower Mound and across Denton County compare homeowners insurance from multiple carriers, so they get strong coverage at a fair price.
We look beyond the premium. Roof coverage, wind and hail deductibles and replacement cost can make a huge difference when you file a claim, so we explain each choice before you buy.
What Home Insurance Covers
Dwelling
Repairs or rebuilds the structure of your home after a covered loss such as fire, wind or hail.
Other structures
Covers detached garages, fences, sheds and other structures on your property.
Personal property
Protects furniture, electronics, clothing and other belongings, at home or while you travel.
Loss of use
Pays additional living expenses, like a hotel and meals, if a covered loss forces you out of your home.
Personal liability
Protects you if someone is injured on your property or you accidentally damage someone else's property.
Medical payments
Helps pay minor medical bills for guests injured at your home, regardless of fault.
What Texas Homeowners Should Know
Not all homeowners policies are created equal, especially in Texas. Before you buy, ask about:
- Wind and hail deductibles. Many Texas policies use a separate deductible for wind and hail, often a percentage of your dwelling coverage (such as 1% or 2%) instead of a flat dollar amount.
- Roof coverage. Some policies pay replacement cost for your roof, while others pay actual cash value, which subtracts depreciation. This matters most on older roofs.
- Replacement cost vs. actual cash value for your belongings.
- Water backup from drains and sewers, which usually requires an added endorsement.
- Flood. Standard homeowners policies exclude flood damage. Flood insurance is a separate policy, so ask us about your options.
Ways to Save on Home Insurance
- Bundle home and auto insurance
- A newer roof or impact-resistant (Class 4) shingles
- Monitored security and fire alarm systems
- Updated plumbing, electrical and HVAC systems
- Claims-free discounts
- A deductible that balances your premium and out-of-pocket risk
Home Insurance FAQs
Does homeowners insurance cover hail damage in Texas?
Most Texas homeowners policies cover hail damage to your roof, siding and windows, but the details matter. Check whether your policy has a separate wind and hail deductible and whether your roof is covered at replacement cost or actual cash value.
How much homeowners insurance do I need?
Your dwelling coverage should reflect what it would cost to rebuild your home at today's labor and material prices, not its market value or purchase price. We'll help estimate a rebuild cost and set liability limits that protect your assets.
Does homeowners insurance cover foundation problems?
Settling and cracking caused by North Texas clay soil are generally not covered. Some policies offer limited coverage for foundation damage caused by a sudden plumbing leak. We'll show you how each policy handles it.
