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Home Insurance in Texas : Real Estate Advice

  • All818
  • Local Info38
  • Home Buying414
  • Home Selling124
  • Market Conditions15

Activity 82
Andrew Wilki…, Trulia Community Manager in San Francisco, CA
Fri May 31, 2013
Andrew Wilkinson answered:
Hi Gibby,

This is a great question. I recommend that you repost this question in our Houston, TX section to get more answers, which you can find here:

Good luck with your search,

... more
0 votes 1 answer Share Flag
Mark McNitt, Real Estate Pro in Houston, TX
Mon May 27, 2013
Mark McNitt answered:
Typically you will not get dollar for dollar back when you remodel anything in a home, but kitchens and bathrooms are a sure bet getting 60%-70% on average.

This web site shows you cost VS return on many popular projects and in different ranges. This link is specific for the Houston area, but you can see other parts of the country.

A dollar per sqft recommendation is hard for anyone to answer because we have no idea what type of finishes, the size of the area, hidden problems with the area that may need to be addressed and more.

Last tip. Keep in mind the community and don't over upgrade! If you have a $200,000 kitchen remodel and the homes are only selling for $150, could be in big trouble. Check on the neighbors and speak to local Realtors to see what are the popular trends in the area.

Mark McNitt
m 832-567-4357
Bernstein Realty, Inc.
... more
0 votes 3 answers Share Flag
lisa.lewis, Home Buyer in Stagecoach, TX
Wed Apr 10, 2013
lisa.lewis asked:
I have an elevation certificate dated in '93 and an insurance agent told me it is too old. I thought the old forms could be used through August 2014. Is that true? If not, where…
0 votes 0 Answers Share Flag
Nasyim Segal, Real Estate Pro in Houston, TX
Wed Mar 27, 2013
Nasyim Segal answered:
My experience in construction has lent me to believe that a good rule of thumb is $80/sqft. in most suburban neighborhoods. Once you get into the inner city Houston, and nearby neighborhoods that number can quickly jump up to $175/sqft. Land cost and comparable area properties will certainly assist you in determining your final budget.

Nasyim Segal, Broker Associate
Boulevard Realty
... more
0 votes 9 answers Share Flag
Gloria G. Ar…, Real Estate Pro in Killeen, TX
Wed Mar 13, 2013
Gloria G. Armand answered:
Not Really, There is loans out there, that do not require for your Taxes and Insurance Payment be Included in your Loan.

Gloria G. Armand
(254)3381092 ... more
0 votes 8 answers Share Flag
Daniel DeMit…, Real Estate Pro in Houston, TX
Sun Feb 17, 2013
Daniel DeMitri answered:
You will want to call Farm Bureau or Seacoast LLC
0 votes 2 answers Share Flag
Penny & James…, Real Estate Pro in League City, TX
Tue Oct 23, 2012
Penny & James Brockway answered:

I would highly recommend InsGroup. They can bind your windstorm insurance under the TWIA program. You can reach Maria Rinehart at 713-860-8831 or email her at

If you need anything else, please let me know.

James Brockway
Brockway Realty
... more
0 votes 2 answers Share Flag
Stuart McWil…, Real Estate Pro in Lakeway, TX
Sun Oct 21, 2012
Stuart McWilliams answered:
Hi Pam,

Homeowner insurance rates in Lakeway vary depending on the square footage and the quality of your home. Other factors influence the rate as well.

Stuart McWilliams
0 votes 5 answers Share Flag
Bess Dickson, Real Estate Pro in Dallas, TX
Thu Aug 30, 2012
Bess Dickson answered:
Renters insurance. You are responsible for insuring your personal belongings contained within the apt. Generally a premium is just pennies a day. If you do have a special collection or items of particular value you may want to consider an additional rider to cover those items. Speak with a reputable insurance agent for the best plan for your situation. Bottom line, its affordable peace of mind. ... more
0 votes 7 answers Share Flag
Donald Steve…, Real Estate Pro in Fontana, CA
Tue Aug 21, 2012
Donald Stevens answered:
We can help you if you are interested.
0 votes 1 answer Share Flag
Anna M Brocco, Real Estate Pro in Williston Park, NY
Thu Jul 19, 2012
Anna M Brocco answered:
For an accurate picture of costs contact a few local insurance companies and ask for free quotes based on your needs, then choose the package that best suits you.....
1 vote 5 answers Share Flag
T.E. & Naima…, Real Estate Pro in Dallas, TX
Sun May 27, 2012
T.E. & Naima Sumner answered:
We use an estimate of 1/2 to 1% of the value of the house to give people an idea of what insurance will cost, but that's not a promise.
A lot of factors go into the quote you'll get:
1. Value of the Property
2. Amount of the Deductible (fixed $ amounts are usually higher than 1% or 2%, but look out!)
3. Other risk factors (some companies check your credit to decide your risk) and you might have a pool or live in certain zipcodes with higher losses.
4. Inflation protection
5. Straight insurance or replacement cost - are they going to pay you back at depreciated value minus deductible or at replacement cost? If your straight coverage is too low, will you be subject to co-insurance payment?

The point about deductibles cannot be overemphasized. If your roof is heavily damaged by wind or hail, how much will you be out of pocket? A 2% deductible policy may be cheap, but your $6,000 roof will take $2200 out of your pocket if your house is valued at $110k.
... more
1 vote 6 answers Share Flag
T.E. & Naima…, Real Estate Pro in Dallas, TX
Wed May 9, 2012
T.E. & Naima Sumner answered:
The North Texas Real Estate Information Service we all dip into for MLS goes back only until 1/1/2002.

A few stray are available (maybe 5) from 2001 and 2000, but all the rest were archived long ago, including 1996.

Alternative methods to find a price you paid are to look in the deed records and see if they happened to record any information at that time, but it is difficult to look them up without knowing more, like the address.
... more
0 votes 7 answers Share Flag
Lars Estrem, Other/Just Looking in Chico, CA
Fri Apr 20, 2012
Lars Estrem answered:

Visit this web page on Fire Department Directory. Find the nearest fire department on the map, get their phone number, and call them. Fire departments usually have several fire stations. Ask them what station is closest to your house. ... more
0 votes 1 answer Share Flag
Brad Spurgeon…, Home Owner in Tiki Island, TX
Sun Mar 11, 2012
Brad Spurgeon, Insurance Agent answered:
We offer dozens of companies for Tiki island, Surplus lines and admitted companies such as Farmers and ASI. Please vist our website below. We also make house calls in Tiki Island. I personsly live and work on Tiki.
... more
0 votes 2 answers Share Flag
Kelly Peace,  in Denton, TX
Tue Feb 7, 2012
Kelly Peace answered:
Hi Ginnie, that's a great question. Unfortunately there is no "blanket answer" as there are several factors to consider. If you 'd like to share a few more specifics, I can certainly help guide you in the right direction. Just remember, not all insurance policies (or companies) are created equal. Hope that helps... ... more
0 votes 3 answers Share Flag
Ron Thomas, Real Estate Pro in Fresno, CA
Sat Dec 17, 2011
Ron Thomas answered:
So Mike,
What is your question?
Either you will give it a new roof, or, you'll have to disclose your findings in the event you should sell.
What else can we tell you.

Good luck and may God bless ... more
0 votes 1 answer Share Flag
Terry McCarl…, Real Estate Pro in Cape Coral, FL
Sat Dec 17, 2011
Terry McCarley answered:
You as the homeowner can order a wind mitigation study yourself.
0 votes 1 answer Share Flag
T.E. & Naima…, Real Estate Pro in Dallas, TX
Thu Dec 15, 2011
T.E. & Naima Sumner answered:
This is one good point for Texas - we don't have an income tax.

As others have pointed out, our real estate taxes as a percentage of value are higher, but comparing 3-bedroom/2-bath homes around the country, you might find Texas real property taxes lower or comparable to those in other places. ... more
0 votes 4 answers Share Flag
Ron Thomas, Real Estate Pro in Fresno, CA
Sat Aug 6, 2011
Ron Thomas answered:
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