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The text below gives you general information about Texas homeowners insurance, but it is not a substitute for the policy itself. Make sure you read your policy carefully and understand your specific coverages.

A homeowners policy combines five different types of coverage:

1. Dwelling - pays for damage to your house and any outbuildings, such as detached garages and storage sheds.

2. Personal Property - pays when household items, including furniture, clothing and appliances, are damaged, stolen, or destroyed.

3. Liability - protects you against financial loss if you are found legally responsible for someone else´s injury or property damage. A homeowners policy automatically provides $25,000 in coverage. You can buy up to $1 million in coverage for an extra premium.

4. Medical Payments - pays medical bills for people hurt while on your property. A basic homeowners policy pays $500 in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.

5. Loss of Use - pays living expenses if your home is too damaged to live in during repairs. The most common policy pays up to 20 percent of the amount for which your house is insured.

Extra Coverage (Endorsements)
You might want more coverage for certain items than your policy provides. For an extra premium, you may be able to buy endorsements that expand or increase the coverage on these items. Some of the most common endorsements expand or increase coverage for jewelry, fine arts, camera equipment, coin or stamp collections, computer equipment, and radio and television satellite dishes and antennas.