Homeowners
Single family homes, townhomes and patio homes.
Home Insurance in San Antonio
Two home policies with the same price can pay very differently after a hailstorm. We compare more than one insurance company and explain the wording that matters in San Antonio.
Who It's For
Home Buyers
Coverage lined up before closing, with your lender listed correctly.
Condo Owners
Coverage for your unit's interior and belongings, coordinated with your HOA's master policy.
Renters
Belongings and liability for apartments and rental homes.
What It Covers
Dwelling
The house itself, insured for what it would cost to rebuild rather than its market value.
Other Structures
Fences, detached garages, sheds and pergolas.
Personal Property
Furniture, clothing and electronics, with lower limits for jewelry and firearms unless you schedule them.
Loss of Use
Extra living costs if a covered loss forces you out while repairs are made.
Personal Liability
Claims that you or your family injured someone or damaged their property.
Optional Coverage
Water backup, service line, foundation water damage, scheduled jewelry and identity theft, depending on the insurance company.
Texas and San Antonio Details
San Antonio sees hail most springs. Many Texas policies use a separate wind and hail deductible written as a percentage of the dwelling limit, and some pay older roofs at actual cash value or exclude cosmetic hail damage to metal. Those details change what you get paid after a storm, so we compare them along with the price.
Foundation movement from shifting clay soil is generally excluded. Some policies cover foundation damage caused by a sudden plumbing leak under the slab, and the wording varies by insurance company.
Standard home policies do not cover flooding. San Antonio sits in Flash Flood Alley, and policies through the National Flood Insurance Program usually take 30 days to start, so buy it before a storm is in the forecast.
Insure the home for the cost to rebuild it at today's labor and material prices. That number is often different from your purchase price or appraisal.
Common Questions
What Is a Wind and Hail Deductible?
A separate deductible for wind and hail claims, often 1% or 2% of your dwelling limit. On a $400,000 dwelling limit, a 2% deductible is $8,000.
Does Homeowners Insurance Cover Foundation Repair?
Damage from normal settling or soil movement is generally excluded. Some policies cover foundation damage caused by a plumbing leak under the slab.
Is Flood Covered?
No. Flood needs a separate policy through the National Flood Insurance Program or a private flood insurance company. NFIP policies usually have a 30 day wait before coverage starts.
Will a Roof Claim Pay Replacement Cost?
It depends on the policy. Some pay replacement cost, some pay actual cash value on roofs past a certain age, and some exclude cosmetic damage. We point out which one you are buying.
Do You Bundle Home and Auto?
Yes. Many insurance companies offer a discount when home and auto are written together, and one agency handles both.
Related Coverage
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