Are you paying too much for Homeowners Insurance?

Rest Assured with Schwab Agency

Invest in your home with the right homeowners insurance. Our agents are happy to help find the right coverage for you!

Proactive Servicing

Basic Form Policy

Often the most economical. Basic form policies offer limited coverage on a Named Peril Basis.

Customized Plans

Special Form Policy

The most common policy today. Special form policies offer a more customized plan and ALL Risk protection.

25+ Years Experience

Form Policy

The broadest coverage available. Comprehensive form policies offer enhanced coverage on an ALL Risk basis.

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Home Insurance


Insuring your home is an enormous responsibility and researching the homeowners insurance policies available to you can be pretty complex. Nevertheless, when it comes to investing in your safety and the safety of your home, you can always use a helping hand. Having a licensed insurance agent at your side can be just what you need to finding the perfect insurance policy for you.




Things you need to know

What is a Peril and how is it coverd?

A peril is an event, like a fire or break-in, that may damage your home or belongings. There are two ways perils are covered in a homeowner policy. named perils and all risk or open perils.

What does Named Peril mean and what is included in a Named Peril policy?

A named peril policy is a policy that specifically names the perils that will be covered. Often times, things such as fire, lightning, explosion, smoke, wind, hail, vandalism, riots, and certain types water damage are covered. Depending on the policy, what is covered will vary but if it’s not listed, it will not be covered.

What does All Risk or Open Perils mean and what is included in an All Risk policy?

An all risk or open peril policy will cover any peril that is not excluded from the policy. Common exclusions for a homeowner policy are war, earth movement, floods, and nuclear hazards. Again, each all risk policy will have different exclusions, but unless it’s specifically excluded in the policy, it will be covered.

Replacement Cost verse Actual Cast Value.

Replacement cost insurance pays for the full replacement cost of your items, whereas actual cash value insurance only pays for the depreciated value. With replacement cost insurance, you’ll have enough money to replace your belongings.

Water damage, what coverages are available?

Water damage is the number one non-weather related claim in Texas. There are four primary water coverages available; sudden or accidental discharge, continuous and repeated leakage, sewer backup and overflow and foundation/slab leak.

Are these water damage coverages included in all homeowner policies?

No! Depending on the carrier and type of homeowner policy coverage for water damage can very. Be sure to question your agent and ask to verify. Simply put, if it is not listed in the policy it is not covered.