NR
Noema Ramos
★★★★★
I buy my car insurance here, already several years, they always find me the best price. I recommend them to everyone
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Home, apartment and renters insurance in Houston Texas
Your home is probably the biggest investment of your life. We explain exactly what each policy covers before you sign, not after the storm.
What a home policy protects
Your home is probably the biggest investment of your life, and what is inside represents years of work. A home policy responds to the events that most affect Houston Texas families.
- Fire and smoke
- Theft and vandalism
- Wind and hail, including severe storm damage
- Hurricane damage, depending on the coverage purchased
- Falling trees or branches onto the structure
- Liability if someone is injured on your property
Important: flooding is separate
Water entering from outside through rain or overflow is not covered by this policy. You need separate flood insurance, and it carries a 30-day waiting period.
Natural disasters in Houston Texas
This region faces a combination of risks that not every part of the country has. It is worth knowing what is covered and what is not:
- Hurricanes and tropical storms: wind is normally covered; storm surge and flooding are not.
- Hail: common in spring and one of the most frequent roof claims.
- High winds and tornadoes: covered by most policies.
- Thunderstorms: lightning damage is covered, including appliances.
- Frozen pipes: happens during winter freezes and is usually covered if the home was heated.
- Flooding: requires a separate policy.
If you rent, this matters
The building policy covers the structure, not your things. If there is a fire or a theft, your furniture, clothing, television and computer are not covered by the owner's insurance.
Renters insurance costs little per month and also includes liability, protecting you if someone is injured in your home or if you accidentally damage the property.
Apartment insurance
It works the same as renters and is what many Houston Texas apartment complexes require when you sign the lease. We issue it the same day and hand you the proof your property manager asks for.
How to lower the cost
- Bundling home with auto usually earns a discount
- A higher deductible lowers the monthly payment
- Alarms, smoke detectors and a newer roof can reduce the price
- Comparing across several companies, which is exactly what we do
Frequent questions
Does home insurance cover flooding?
No. A home policy covers fire, theft, vandalism, hail and wind, but flood damage requires a separate policy with its own 30-day waiting period. We explain the difference before you sign.
What natural disasters does it cover in Houston Texas?
It generally covers hurricane and storm wind, hail, tornadoes, lightning and frozen pipes. Water entering through flooding or storm surge is not included and needs a separate policy.
I rent my apartment, do I need insurance?
The building policy covers the structure, not your belongings. Renters insurance protects your furniture, electronics and clothing against fire or theft, and includes liability if someone is injured in your home. It costs little per month and many complexes require it.
Does the policy cover hurricane damage?
Wind and hail are generally covered. Water entering through flooding is not. On the Texas coast some policies carry a separate hurricane deductible, which we explain before you sign.
Can I insure my home without a Social Security number?
Yes. We work with companies that issue home policies using other valid identification. Message us with your situation and we confirm the available options.
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What our clients say
Real reviews published by clients on our Google profile.
4.8
★★★★★
86 Google reviews
DG
Dinia Gomez
★★★★★
I have been with this company for many years, very friendly, the girls always find me the best price! Just renewed my auto policy again
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PV
Pedro Vicente
★★★★★
Just renewed my policy once more, 4 years with this company, they help me find the best price. I recommend them to everyone
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AM
Amber Magadan
★★★★★
I referred two of my friends here and I got a gift card just like that!! I recommend them they are Great with customer service and getting you good deals!! Thank you for my gift card I love it!!!
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LV
Lauro Manuel Velasquez
★★★★★
I have been here for over 5 years and just renewed my policy. The girls always find me the best price. I recommend them to all my friends
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BG
Briseida Gonzalez
★★★★★
Thank you Alaila for helping us get the cheapest rate insurance we approved of. Great customer service and great help. Come get your car insurance here. Good prices and great customer service.
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JL
Javier Lorenzana
★★★★★
I brought my insurance for my car a few times here the girls are so helpful and always find the best price, i recomend to everyone
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MC
Mateo Chic yat
★★★★★
I bought an airline ticket here
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FR
Flawless Ren
★★★★★
This is a very recommendable place, just got my dads policy checked and the lady is very nice. Very affordable.
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MM
Misael Muñoz
★★★★★
Excellent staff, their team is dedicated to providing the best possible service. I highly recommend them to anyone who needs their services.
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SH
Sarahi Hernandez
★★★★★
Excellent service!!! Amparo prepared my taxes, I forgot a form and she very kindly helped me get the information I was missing. She is a person with a lot of knowledge of what she does. I recommend Repreza Insurance Multiservice, Alaila is also very friendly and always ready to help. Thank you Repreza Insurance.
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