Your home is your Castle

Builders risk

Houses under construction are not covered the same way as a finished home. Builders risk is written for the job — fire, wind, theft, vandalism, materials in transit. It is a focus of this office. Call before the slab is poured.

A regular homeowners policy is for the house you live in. Long-term rentals need a dwelling / landlord form (DP-1, DP-2, or DP-3) with loss-of-rent and liability. Short-term / Airbnb-style use is a different conversation. Tell us how the property is used and we’ll place it correctly.

Your house is not a spreadsheet.

We write HO-3s for families, dwelling policies for landlords, and builders risk while the house is going up. Hail is not a surprise here — we plan for it.

A homeowners policy covers the structure, your stuff, and liability if someone is hurt on the property. Flood and earthquake are not in the base form. Wind and hail usually are — with a deductible you should actually be able to write a check for.

After a hail or wind claim, replacement cost pays to put a similar roof back on. Actual cash value subtracts depreciation for age. That difference is thousands of dollars on a 10-year roof. We walk the form with you before you bind — and we shop it across multiple carriers, because one company can only offer you its own policy.

Call or text (903) 372-1901 for a homeowners quote.