Texas Home Insurance

Germania’s Award-winning Home Insurance

Buying a house is one of the largest investments you’ll ever make. Whether you found the perfect house on the market or started with something new, you’ve worked hard to build a place that you and your family can call home. That’s why it’s so important to protect your home with quality home insurance from a carrier you can trust.

Since 1896, Germania Insurance has helped Texas homeowners protect what they’ve worked hard to build by providing fair and honest insurance services. Request a free quote online or reach out to your local Germania agent to see why Germania is the Insurance Texans Trust.

Insuring Your Texas Home

Germania offers two types of home insurance policies to help you meet your insurance needs here in Texas – Homeowners Insurance and GFM Property Insurance.

Germania’s Homeowners Insurance* is an HO-3 open peril policy, meaning it provides coverage for all risks except those specifically excluded in the policy. It includes Personal Liability as part of the coverage it offers. This policy is ideal for homes located in urban or suburban areas.

GFM Property Insurance includes many of the same coverages and is paired with a separate Personal Liability policy. This policy is ideal for properties located in rural areas, with barns or outbuildings, or with agricultural or other business exposure.

Both of our Texas home insurance options provide coverage for perils such as Fire, Windstorm, Hurricane and Hail, Vandalism, Theft, Frozen Plumbing, Water, Lightning, Explosions, Falling Objects, Smoke Damage, and more.

With the help of your local Germania agent, you can find a home insurance policy that meets your needs.

What Does Home Insurance Cover?

The answer may seem obvious: your home, of course! While Homeowners Insurance and GFM Property Insurance policies certainly provide protection for your house, both include a number of different coverages.

• Dwelling Coverage – This is what most people think of when they think about property or homeowners insurance. It protects your house, or dwelling, and covers the cost to rebuild in the event of a loss or total loss. Talk to your Germania agent for a full list of policies and peril coverage options.
  
• Other Structures – This coverage refers to a structure that isn't directly connected to your house. This part of our GFM Property and Homeowners policies typically covers things like storage sheds and separate or standalone garages.
  
• Personal Belongings/Property – Your house isn’t the only thing at risk after a disaster - you also stand to lose your belongings within. This coverage can help you replace things like furniture, appliances, and even clothing.
  
• Loss of Use and Additional Living Expenses – If you're forced to vacate your home following a total loss, you and your family will need a place to stay. This coverage can help pay for temporary lodging and other living expenses while repairs are made or your home is rebuilt.
  
• Roof Coverage – Germania provides the option to insure your roof with replacement cost coverage or actual cash value throughout the life of your roof. We will not automatically reduce your roof coverage as your roof ages, unlike most competitors.
  
• Sewer Backup – Germania provides sewer backup coverage up to the total dwelling limit, subject to policy exclusions and conditions, and does not impose a separate coverage limit like other carriers.
  
• Gun Coverage – For many Texans, firearms are an important part of life. That’s why Germania doesn’t impose a separate sub-limit on firearms, like other carriers. Our policyholders have coverage for loss to their firearms up to the Coverage B - Unscheduled Personal Property (Contents) limit, subject to the deductible.
  
• Personal Liability Coverage – This provides bodily injury and property damage coverage for visitors, guests, and residence employees (like nannies) for which you are legally liable. It can pay for their medical bills and your court fees if you are sued and provide payment for another person’s property if you’re responsible for the damage.
  
• Medical Payments – If someone requires medical care after injuring themselves on your property, medical payments coverage can pay for those costs. Both GFM Property Insurance and Homeowners Insurance offer liability and medical payment protection, but in slightly different ways: Homeowners Insurance includes Personal Liability and Medical Payments coverage as part of the policy while GFM Property Insurance is paired with a separate Personal Liability policy, which includes Medical Payments.
  
• Additional Coverage Options – Germania has a number of additional coverages to help you customize your policy and protect your family from the unexpected. Ask your agent about our optional coverages, such as:
  • Extended Replacement Cost
  • Equipment Breakdown
  • Hidden Water
  • Utility Line Protections
  • Earthquake
  • Fraud Protection