Protecting Your Home, Inside and Out
Your home is more than a roof and four walls — it’s where memories are made, families grow, and your future is secured. In Texas, where hail, windstorms, and unexpected disasters can strike at any time, having the right
homeowners insurance isn’t optional — it’s essential. At DFG Insurance Solutions, we help Texans protect their homes and peace of mind with coverage that fits their lifestyle and budget.
What Homeowners Insurance Covers
Dwelling Coverage
Protects the structure of your home — walls, roof, and foundation — from risks like fire, hail, wind, and vandalism.
Other Structures
Covers detached garages, sheds, and fences on your property.
Personal Property
Provides protection for your belongings — furniture, clothing, electronics, and more — whether they’re at home or temporarily away.
Liability Protection
Shields you if someone is injured on your property or you accidentally damage someone else’s property.
Additional Living Expenses
Helps cover hotel stays, meals, and other costs if your home becomes uninhabitable due to a covered loss.
Medical Payments
Helps cover medical bills and lost wages if your drivers or staff are hurt while on the job.
Why Choose DFG Insurance Solutions
At DFG, we know Texas homeowners face unique risks. That’s why we build policies around what matters most to you:
Local Knowledge
From North Texas hailstorms to flooding risks, we understand the challenges Texas homeowners face.
Independent Advantage
We shop multiple carriers to secure the best balance of coverage and cost.
Custom Protection
High-value homes, condos, and first-time buyers — we tailor coverage for every homeowner.
Direct Access
When you need us, call or text Dee and her team directly. No call centers, no runaround.
Ongoing Support
From policy reviews to claims, we stay with you every step of the way.
Let’s Clear the Confusion
Common Questions About Homeowners Insurance
Is homeowners insurance required in Texas?
Texas law doesn’t require homeowners insurance, but mortgage lenders almost always do. Even without a loan, it’s strongly recommended to protect your most valuable asset from risks like fire, hail, and theft.
Does homeowners insurance cover flooding in Texas?
No. Standard Texas home insurance policies exclude flood damage. You’ll need a separate flood insurance policy through NFIP or private insurers. We’ll help you determine if it’s right for your property.
How much homeowners insurance coverage do I need?
You’ll want enough to rebuild your home at today’s construction costs — not just its market value. We’ll calculate replacement costs and ensure your dwelling, personal property, and liability limits provide full protection.
Why is Texas home insurance so expensive?
Factors like frequent hailstorms, rising construction costs, and your home’s location affect rates. As an independent agency, DFG compares multiple carriers to find the most competitive option for your area.
Can I bundle homeowners insurance with auto in Texas?
Yes — and it’s one of the best ways to save. Bundling home and auto insurance can reduce premiums by up to 25% while simplifying your coverage.
Protect Your Texas Home Today
Your home deserves more than cookie-cutter coverage. At DFG Insurance Solutions, we’ll design a homeowners policy that safeguards your house, your belongings, and your family’s future — with honest guidance and personal service you can count on.
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