What Does Homeowners Insurance Cover?
A standard homeowners policy protects you from the most common risks — but the details matter. Here's what you can expect to be covered.
Dwelling Coverage
Covers the physical structure of your home — walls, roof, floors, and built-in appliances — if damaged by covered perils like fire, wind, hail, or vandalism.
Personal Property
Protects your furniture, electronics, clothing, and other belongings inside your home. Coverage typically extends to items stolen from your car or a hotel room too.
Liability Protection
If someone is injured on your property or you accidentally damage someone else's property, liability coverage pays for legal fees, medical bills, and settlements.
Additional Living Expenses
If your home becomes uninhabitable due to a covered loss, this pays for your temporary housing, meals, and other living costs while repairs are underway.
Medical Payments
Covers medical expenses for guests injured on your property — regardless of who's at fault. This helps avoid claims and keeps your liability limits intact.
Other Structures
Garages, fences, sheds, and detached structures on your property are typically covered too — usually up to 10% of your dwelling coverage limit.
A Local Agent Who Actually Knows Your Market
East Texas weather isn't something a call center in another state fully understands. Hail, wind, and flooding risks are real here — and your policy should reflect that.
We Compare Top Carriers
We shop across leading insurance carriers to find the best combination of coverage and price for your specific home and ZIP code.
No Jargon. Plain English Explanations.
Deductibles, replacement cost vs. actual cash value, flood exclusions — we walk you through every detail so you're never surprised at claim time.
Bundle & Save on Auto + Home
Most clients save significantly by bundling their homeowners and auto insurance. Ask us how much you could save today.
Real People Answer the Phone
When you call, you reach Hunter or his team — not a 1-800 number routed overseas. Local support, real accountability.
Hunter Chaumont
Your Texas homeowners insurance expert
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Why East Texas Homeowners Trust Compass
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Hundreds of East Texas homeowners have trusted us with their coverage — and taken the time to say so.
Deep Local Knowledge
Over nine years of agency ownership means we've seen the claims, the gaps, and the policies that actually hold up when it matters.
Local Texas Agent
We live and work in East Texas. We understand the weather risks, the housing market, and what coverage actually matters here.