Home Insurance
Real Coverage for Where You Live.
Whether you're buying your first home or updating your current policy, we make it easy to understand what your home insurance actually covers. No fluff, no scare tactics — just straight-up info from people who live and work right here in Ennis.
As an independent insurance agency, we can shop around with multiple carriers to help you find solid coverage that fits your home and your budget.
What’s Covered with Home Insurance?
More than just walls and a roof.
Every home is different — and your policy should be, too. We’ll help you understand what’s actually covered, what’s optional, and what makes sense for your life in Ennis or anywhere nearby.
Why Choose Us
We know insurance isn’t something most folks love thinking about — but when you work with a local team, it doesn’t have to be a pain. Here’s what sets us apart:
- We're based right here in Ennis and understand the risks that come with rural living (hail, wind, foundation issues — we’ve seen it all)
- We’re independent, so we shop multiple carriers to help you find the best fit
- We’ll walk you through everything in plain English — no pressure, just options
- We’ll help you bundle your home & auto insurance or add life insurance near Ennis if you want it all in one place
What's Covered:
- Your home itself – Covers the structure of your house from things like fire, wind, hail, lightning, and other sudden damage
- Other buildings on your property – That detached garage, backyard shed, or fence? Yep, we can cover those too
- Everything inside – Furniture, appliances, electronics, clothes, tools — your stuff matters, and your policy can help replace it if it’s damaged or stolen
- Liability protection – If someone’s injured on your property or you accidentally damage someone else’s, this helps cover legal costs and medical bills
- Temporary living expenses – If something happens and your home becomes unlivable, your policy can help cover hotel stays, meals, and other costs while you get back on your feet
- Optional coverage add-ons – We can also talk through things like water backup, equipment breakdown, or higher-value item coverage if you need it
Whether you live in a ranch house, mobile home, or brick fixer-upper, we’ll help you build a home insurance policy that works for your space — and your peace of mind.
FAQs
Real answers to questions we hear all the time.
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Do I really need homeowners insurance?
Texas requires minimum liability coverage, but that may not be enough to protect you in an accident. We’ll walk you through what makes sense based on your driving habits and financial situation.
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What does home insurance not cover?
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Can I bundle my home and auto insurance?
We help you look for things like multi-policy discounts, safe driver discounts, and more. If there’s a way to save, we’ll find it.
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Will my rate go up if I make a claim?
It depends on the claim and your carrier. We’ll walk you through it so there are no surprises.