Homeowners

A homeowners policy covers the structure, your belongings, and your liability if someone is hurt on your place. The number that matters most is the rebuild cost, which is not the same as what you paid for the house or what a real estate site says it's worth. We check that number against what it actually costs to rebuild around here.

We'll also go through the parts people skip: the wind and hail deductible, whether your roof is covered at replacement cost or depreciated value, and what happens with water damage. In this part of Texas those three questions decide whether a claim goes smoothly.