Central Texas Homeowners Insurance Resource Center
Homeowners insurance can be confusing.
What's covered after a hailstorm? How does a percentage deductible work? What happens if a pipe bursts? How much should your home be insured for? How does an older roof affect your coverage?
I've spent more than 25 years in the insurance business answering questions just like these.
I created this Resource Center to give Central Texas homeowners straightforward, practical information to help them better understand their insurance and make informed decisions about protecting their homes.
Chris Lewis
Owner, The Lewis Agency
You shouldn't have to become an insurance expert. That's my job.
I've created the Central Texas Homeowners Insurance Resource Center to answer the questions homeowners ask me most often.
⛈️ Roofs, Hail & Storms
Understand roof coverage, hail claims, deductibles, roof age and what to consider after severe weather.
🏡 Central Texas Home Risks
Hail, severe storms, extreme heat, pools, trees and other issues Central Texas homeowners regularly face.
Learn about burst pipes, slow leaks, water heaters, water backup, service lines and common water-damage questions.
💧 Water Damage
🛠️ Homeowner Preparedness
Practical guidance on home inventories, renovations, pools, vacations, annual reviews and storm preparation.
📞 Claims Education
What to document, when to ask questions, working with contractors and understanding the insurance claim process.
The Central Texas Homeowners Insurance Guide
10 Things Every Homeowner Should Know
After more than 25 years in insurance, there are certain questions I hear over and over.
This guide brings ten of the most important topics together in one place—from deductibles and roof coverage to water damage, reconstruction costs and claims.
If you're new to homeowners insurance—or simply haven't reviewed your coverage in a while—start here.
Have more questions about your deductible?
Understanding Homeowners Insurance Deductibles in Texas
Learn how percentage deductibles work, what a 2% deductible actually means in dollars, and why wind and hail deductibles deserve special attention in Central Texas.
Homeowners Insurance in Central Texas Is Different
Central Texas is a great place to own a home.
It also presents homeowners with some unique risks.
⛈️ Hail & Severe Weather
Central Texas regularly experiences thunderstorms, hail, high winds and other severe weather capable of damaging roofs and homes.
☀️ Heat
Extended periods of Texas heat can be tough on roofs, HVAC systems, plumbing and other components of a home.
🏗️ Reconstruction Costs
Labor, materials and construction costs can change considerably over time—which is one reason a home's insurance value isn't necessarily the same as its market value.
🏊 Texas Lifestyle
Pools, outdoor kitchens, covered patios and other outdoor improvements are common throughout Central Texas and can create additional insurance considerations.
Understanding these local factors is one reason I believe having access to knowledgeable local insurance guidance still matters.
What I've Learned Helping Homeowners
The worst time to learn how your homeowners insurance works is after something happens.
During more than 25 years in insurance, I've seen homeowners face everything from hailstorms and water losses to major renovations and rapidly changing insurance markets.
One lesson has remained consistent:
Homeowners who understand their coverage before a loss are better prepared to make informed decisions afterward.
That's why I created this Resource Center.
Not to turn you into an insurance expert.
But to help you understand the questions worth asking.
