Home Insurance Dallas, Texas
At Thumann Insurance Agency, we’ve been proudly serving Texas homeowners for over 28 years. We partner with the nation’s top-rated insurance companies to offer customized homeowners insurance packages tailored to your unique needs and budget. Whether you need protection from natural disasters, theft, or liability, we’ve got you covered.
Why Choose The Thumann Agency?
Choosing the right insurance agency can make a significant difference in protecting your home and assets. Here's why the Thumann Agency stands out:
✔️ Independent Agency Advantage
We compare quotes from top-rated national insurance providers to find the best coverage at competitive rates—saving you time and money.
✔️ Local Risk Advisors
Our local agents help you make informed decisions, so you can confidently protect your family and property.
✔️ Comprehensive Personal Insurance Options
Beyond Homeowners Insurance, we offer a full suite of personal insurance policies to safeguard every aspect of your lifestyle, from auto to life insurance and more.
✔️ Trusted Since 1996
As a local insurance broker with over 28 years of experience, we understand local weather risks and market conditions that larger insurance companies may overlook, and we’ve earned the trust of thousands of homeowners across Texas.
What Does Texas Homeowners Insurance Cover?
Homeowners insurance protects you from life’s unexpected events, such as storms, fires, and burglaries. It can even cover the damage your property might cause to others—like when a tree from your yard falls on your neighbor’s boat.
Here are the main coverages included in a standard Texas homeowners insurance policy:
Dwelling Coverage: Protects your home’s structure from damage caused by natural events (excluding floods and earthquakes).
Other Structures Coverage: Covers outbuildings like sheds or detached garages.
Personal Property Coverage: Protects personal belongings such as electronics, furniture, and clothing.
Loss of Use: Covers living expenses if your home becomes uninhabitable due to an insured disaster.
Liability Coverage: Protects you against legal claims for bodily injuries or property damage caused by you or your family.
Pro Tip: Floods and earthquakes aren’t covered under standard policies—ask us about adding separate flood or earthquake insurance.
Need More Coverage?
Sometimes, your basic homeowners policy doesn’t cover everything, especially for high-value or hard-to-replace items. You can enhance your protection with supplemental coverages, such as:
Valuable Item Coverage: Protects items like fine jewelry, antiques, or collections (e.g., stamp or coin collections).
Flood Insurance: A separate policy to protect your home from flood damage.
Earthquake Insurance: Protection for homes in earthquake-prone areas.
Home Business Coverage: If you run a business from home, this can cover business-related equipment and liability.
Additional Liability Coverage: For added protection against lawsuits.
Pet Insurance: Coverage in case your pet causes injury or damage.
How to Save on Your Homeowners Insurance
Did you know you can lower your premiums with discounts? Here are some common ways to save on your homeowners insurance:
Safety Devices: Discounts for having smoke alarms, fire extinguishers, or home security systems.
Claims-Free: If you haven’t filed a claim in 5 years or more, you may qualify for a claims-free discount.
Multi-Policy Discount: Bundle your home, auto, boat, and business insurance with us to receive a significant discount.
Quick Tip: Always keep your smoke alarm batteries fresh and your security system active for maximum protection and savings!
For a more detailed breakdown of money-saving tactics, check out our Step-by-Step Guide to Saving on Homeowners Insurance.
Get Your Homeowners Insurance Quote Today!
Ready to protect your home and valuables with reliable coverage? Getting a homeowners insurance quote is fast and easy. Simply click here to start your quote or call us at (972) 991-9100.
FAQs About Homeowners Insurance in Texas
1. Is flood insurance included in my homeowners policy?
No, flood insurance is a separate policy. Contact us for flood insurance options.
2. What factors affect my homeowners insurance premium?
Your premium is influenced by factors such as the age of your home, location, coverage limits, deductible, and your claims history.
3. Can I bundle my home insurance with other policies?
Absolutely! You can bundle homeowners insurance with auto, boat, or business insurance for multi-policy discounts.
4. Do I need separate coverage for valuables like jewelry or art?
Yes, high-value items may require additional coverage beyond a basic homeowners policy.
Why Work with an Independent Insurance Broker?
As an independent agency, we aren’t tied to one provider. We shop multiple top-rated insurance carriers to find the best policy for you.
Why Texas Home Owners Choose The Thumann Agency:
⭐⭐⭐⭐⭐ 4.9 out of 5 stars based on 250+ reviews
Clients love us for:
Fast, hassle-free quotes
Significant savings on policies
Clear, honest explanations of coverage
Request a Quote | Talk to an Expert
Last Updated: 02.02.2025
Author: Steve Thumann, Licensed Texas Insurance Broker.
Disclaimer: This page is for educational purposes only. Coverage details vary by provider. Contact us for a personalized quote.
