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Homeowners Insurance Horseshoe Bay, Texas

We Specialize In Great Service & Rates

Call now for quotes from some of the best rated home insurance companies. We provide a thorough evaluation of your insurance needs and better options to protect your family & property. We'll bundle your policy with auto    insurance for max discounts, and find the best fit for your family. Our goal is to provide our clients with Better Coverage, Service & Rates! Call / Text Now To Work With A Local Licensed Insurance Professional

Horseshoe Bay got it’s name from two envisioning cousins that founded and developed the resort. As they laid out plans for the resort they were walking around the dry lakebed and found a rusty old horseshoe, and the name was decided. The population was 4,162 at the 2020 census; up from 3,418 in 2010. Neighborhoods that surround the heart of Horseshoe Bay include Escondido, Applehead, Deer Haven, Blue Lake Estates, Sunrise Beach, Overlook, Horseshoe Bay West, and Summit Rock. 

Different Types of Homeowner Insurance Policies

Most homeowner policies on the market are different, and not understanding the key differences could cost you thousands of dollars at claim time. An “Open Peril” policy provides much better coverage than a “Named Peril” policy, and is the policy of choice for insurance professionals. Did you know that many home policies deduct depreciation when paying for your hail damaged roof based on the age of your roof? Is your metal roof covered for cosmetic hail damage? Call today, we're here to help you navigate policy differences, limits, and options. Ask about our comprehensive HO-5 & HO-3 homeowner policies that many times cost less than other lesser policies. 

Horseshoe Bay Home Insurance Discounts & Options

Horseshoe Bay homeowner insurance policy discounts include: age of home, multi-policy, gated community, claim free, newer roof, fire sprinkler system, and alarm system.

Homeowner insurance policy options to pay attention to are: water damage, mold remediation, replacement cost coverage vs. actual cash value, foundation water damage, sewer & water backup, water seepage or leakage, and scheduled personal property. 

Frequently Asked Questions - FAQ's

Which homeowners insurance is best? The best homeowner insurance policies in Texas are the HO5 & HO3 policies that include "open peril" coverage. We're here to help you navigate policy differences and options.

How much home insurance do I need?

Insurance companies use replacement cost estimators to estimate the replacement cost amount of your home.  This includes characteristics of your home like size, construction type, interior quality and more. Make sure the dwelling limit on your homeowners policy is up to date, as it's estimated that over 60% of homeowners are underinsured. We review your policies every year, and will help you keep an eye on the big picture. 

How much is home insurance in Horseshoe Bay? The cost is different for every home, but the main rating factors are age of home and roof, exterior construction & roof type, insurance score, and distance to fire department. One of my clients purchased a home in Horseshoe Bay that we insured for $1.3M on a quality "open peril" policy, and premium options started under $2,000. We have many options to choose from in order to find the best fit for your family.


Why home insurance rates increase? This is usually because of three items. First, most insurance companies increase the amount your home is insured for each year to keep up with inflation. Second, some of the discounts on homeowner policies decrease each year - age of home, and age of roof. Third, home insurance rates can increase based on increased frequency & severity of claims. In Texas, we're experiencing more catastrophic storms, and the cost to repair homes based on building materials & labor is going up. We'll help you find a good balance between quality coverage for one of your biggest assets and cost.

Where to buy home insurance? Online shopping is becoming more prevalent, but attempting to navigate insurance policies & coverage limits without a licensed professional could cost you thousands at claim time. We have found that many people using online insurance companies end up with inadequate coverage and higher rates. Give us a call, we make finding the right coverage easy and painless.  


Home insurance quote, Horseshoe Bay, TX
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