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What is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

f your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
If you are still paying for your home, your lender will require insurance.


It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

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          Things to consider and questions to ask your agent

          Here are few things to discuss with your agent that will influence your decisions.

          • How much can you afford to pay if you get in an accident? To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.
          • What is the insurance company’s level of service and ability to pay claims?
          • What discounts are available? Ask about good driver, multiple policy and student discounts.
          • What’s the procedure for filing and settling a claim? Ask who to call and what happens after you file a claim.

          Thank you for your interest in CMI of Texas. We work with multiple A+ rated carriers to bring build a custom policy to fit your needs and budget. Please call our office at 936-703-5096 or email your questions and an insurance agent will reply promptly.