Why Home Insurance Matters

Your home is one of your biggest investments. Because standard homeowners policies can vary by carrier, it’s important to compare your options carefully. At TX Insurance Finder, we make the process simple. In partnership with Hi-Lo Insurance, you’ll have access to multiple trusted carriers through one reliable source.

Dwelling Insurance vs. Homeowners Insurance

It’s common to hear the terms dwelling insurance and homeowners insurance used interchangeably, but they aren’t the same.

• Dwelling Insurance usually protects only the structure of the home itself (Coverage A), and is often used for rental properties, vacant homes, or investment properties.
• Homeowners Insurance is broader — it includes dwelling coverage plus other structures, personal property, liability protection, and loss of use (Coverages A–D).

Want to dive deeper? Check out our guides:

• What Is Dwelling Insurance and When Do You Need It?
• Homeowners Insurance Basics for Texans

What Does a Homeowners Policy Cover?

When you hear about “Coverage A, B, C, and D” in a homeowners policy, these simply describe the main parts of protection included:

• Coverage A – Dwelling
  Protects the structure of your home itself, like the roof, walls, and foundation.
• Coverage B – Other Structures
  Covers things not attached to your house, such as fences, sheds, or detached garages.
• Coverage C – Personal Property
  Helps replace belongings inside your home, like furniture, electronics, and clothing.
• Coverage D – Loss of Use
  Pays for extra living expenses if your home is damaged and you need to live elsewhere temporarily.

Tip: Every carrier can define these coverages a little differently, so it’s important to compare policies carefully.

Want more detail? Read our guide: Understanding Coverage A, B, C, and D in Texas Home Insurance

Why Choose TX Insurance Finder for Home Insurance?

• Personalized Guidance – Clear explanations, not confusing jargon.
• Multiple Carrier Options – Compare policies from top insurers in one place.
• Local Expertise – We understand Texas-specific risks like hail, hurricanes, and flooding.