Texas Home Insurance protects you from financial loss caused by storms, fire, theft and other disasters listed in your homeowner's insurance policy. Losses caused by flood are not usually covered without special flood insurance.

There are many policy options when it comes to Home Insurance in Texas. Most people purchase an insurance policy that combines five different areas of coverage in one policy:

   -- Dwelling insurance may pay for damage to a home and structures, such as fences, detached garages, and storage sheds.

   -- Personal property insurance pays for theft or damage to the contents of your house, including furniture, clothing, and appliances.

   -- Liability insurance protects you against financial loss if you are sued and 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.

   -- Medical payments insurance pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home for which you may be liable. A basic homeowners policy pays $500 in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.

   -- Loss of use insurance pays your additional living expenses (temporary housing, food, and other essential expenses) if your home is too damaged to live in during repairs. Most policies pay 10 to 20 percent of the amount of your dwelling coverage