Coverage for Your Biggest Investment—And the Life Inside
Your home isn’t just four walls. It’s your family’s refuge and your most valuable asset. Broken Spoke Insurance helps protect it all—from hail and tornadoes to fire, theft, and everyday accidents. As your independent Texas agent, we compare policies from top carriers and customize your coverage, so you’re never underinsured or overpaying.
What’s Covered In a Standard Homeowners Policy (HO-3)
Dwelling
Covers your home’s structure against fire, wind, hail, tornado, and more (we ensure proper endorsements for high-risk areas)
Other Structures
Detached garage, fence, or shed—covered for most perils
Personal Property
Furniture, electronics, clothing, and valuables (with sublimits for items like jewelry/guns—ask about extra protection)
Loss of Use
Pays for temporary housing and expenses if your home is uninhabitable after a covered loss
Liability
Protects you if someone is hurt on your property or you accidentally cause damage elsewhere
Note: Flood insurance is not included—Broken Spoke can secure a separate flood policy if you need it. Windstorm may be separate in coastal regions.
Ways to Save on Home Insurance
Bundle home and auto for big discounts
Install security alarms, smoke detectors, and deadbolts
Remain claim-free for additional savings
Choose a higher deductible for a lower premium
Let us re-shop your policy at renewal for new deals
Texas-Smart Coverage for Local Risks
From Panhandle hail and tornadoes to city or rural homes across Texas, we know the hazards you face. We tailor policies for new builds, older homes, high-value dwellings, and even farmhouses (if not used as a working farm). We make sure your coverage includes:
Replacement Cost
Rebuild your home fully—no depreciation or fine print surprises
Ordinance/Code Upgrade
Coverage to bring your home up to current building codes after a loss
Personal Articles Endorsements
Extra coverage for jewelry, collectibles, and valuables
What to Expect From This Service
We review your home, possessions, and location to recommend the right coverage and limits. You get a custom quote, clear explanations, and ongoing support. If disaster strikes, we’ll guide you through the claims process every step of the way.
Frequently Asked Questions
What does homeowners insurance cover in Texas?
Protection for your house, other structures, contents, living expenses after a loss, and personal liability.
Is home insurance required in Texas?
Not by law, but most mortgage lenders require it. Even without a mortgage, it’s crucial for protection.
How much home insurance do I need?
We recommend insuring your home for full rebuild cost—Broken Spoke calculates this based on local construction prices.
How do I protect valuables like jewelry?
Standard policies have limits. Ask us about endorsements for higher-value items.
Can I save by bundling with auto insurance?
Yes—bundling often brings 10–20% savings and simplifies your insurance.
Protect Your Home With Confidence
Your house deserves comprehensive protection at the right price. Let Broken Spoke Insurance provide local expertise, personal service, and coverage that stands up to Texas risks.