Homeowners Insurance
Protect your biggest investment and gain true peace of mind. At Davenport Insurance, we help Texas homeowners secure tailored coverage that shields your house, belongings, and future from life’s unexpected turns.
About Homeowners Insurance
Homeowners insurance does more than just protect four walls and a roof — it safeguards your lifestyle, your savings, and the memories inside your home. Whether it’s a lightning strike, a kitchen fire, or a sudden break-in, your policy helps repair or rebuild your property and replace personal possessions. Even more importantly, it protects you from costly liability if someone gets hurt on your property.
Covers the structure & beyond
Your policy doesn’t just look after bricks and beams. It includes vital protection for everything that makes your house a home. From the garage to your backyard fence, we make sure all the pieces are covered — including structures that aren’t directly attached.
Safeguards your personal belongings
Imagine turning your home upside down — everything that would fall out is your personal property. Furniture, electronics, clothing, even prized collectibles. Homeowners insurance helps replace these items if they’re damaged or stolen, so you can get back to living without missing a beat.
"*" indicates required fields
Protect Your Home and Property
A good policy does more than repair storm damage. It pays for temporary living expenses if your home becomes unlivable after a covered event, covers legal fees if an accident leads to a lawsuit, and can even include specialized riders for jewelry, art, or home office equipment.
Loss of Use Coverage
If disaster strikes and you can’t live at home, we’ll help pay for hotels, rentals, and meals while repairs are underway — keeping life on track during the unexpected.
Personal Liability Protection
If someone gets hurt on your property or you accidentally damage a neighbor’s fence, your homeowners policy steps in to help cover costs so you don’t pay out of pocket.
Flexible Policy Enhancements
Need extra protection for high-value items or short-term rentals? We’ll build a policy that fits how you actually live.
Our Process
From first conversation to full peace of mind — we make it simple and personal.
01.
Understand your needs
We start by listening — learning about your home, your lifestyle, and what keeps you up at night. That way we can tailor coverage exactly to your situation.
02.
Compare options
We explain different coverage levels, deductibles, and add-ons in plain English, so you’re clear on what each choice means for you.
03.
Customize your policy
Together, we’ll build a policy that balances solid protection with affordable premiums. You’re never left guessing.
04.
Stay protected year after year
As your life changes, we’re here to adjust your coverage. Whether you’re adding a pool, renovating, or buying a second home, we keep your policy up to date.
Why Homeowners Trust Davenport
Local Expertise
We understand Texas-specific risks, from hailstorms to hurricanes, and design coverage that keeps you secure no matter the forecast.
Clear, Personal Guidance
We break down complicated insurance terms so you always know what you’re buying — and why it matters.
Fast, Friendly Support
Questions or claims? Call, text, or email us anytime. We’ll handle the heavy lifting so you can focus on what matters.
what our clients are saying
We take pride in delivering fast, honest service — and making sure our clients feel confident in their coverage. Here’s what they’ve shared:
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“Farmers Insurance has been a lifesaver for my family. Their team is always friendly, responsive, and ready to help. I feel confident knowing my home and car are protected with them.”
– Zhon
“I switched to Farmers for my business insurance, and it was the best decision ever. They offer tailored coverage and took the time to explain everything in detail.”
– Michael T
“Farmers Insurance has been with us for years, covering our home, auto, and even our boat. I trust them completely to take care of what matters most.”
– David
“Their team goes above and beyond to answer my questions and provide updates. It’s rare to find such genuine care and professionalism these days.”
– Emma
“Farmers helped me find the right commercial insurance for my startup. Their personalized approach made me feel like I was in good hands.”
– John M
Homeowners Insurance FAQs
Insurance shouldn’t be confusing. Here are some common questions homeowners ask us.
How much homeowners insurance do I actually need?
Enough to fully rebuild your home from the ground up, plus additional coverage for your belongings and liability. We’ll help calculate the right amount based on local construction costs and your property specifics.
Is flood or earthquake damage covered?
Standard policies do not include floods or earthquakes. We’ll show you options for separate policies if you need that extra protection.
What’s the difference between replacement cost and actual
cash value?
Replacement cost pays to rebuild or replace without depreciation. Actual cash value factors in age and wear, so it pays out less. We typically recommend replacement cost for the best protection.
Does homeowners insurance cover my home office equipment?
It depends on your policy. We can add riders that specifically protect business equipment in your home.
Will my rates go up if I make a claim?
Sometimes — depending on the type and frequency of claims. We’ll walk you through all the implications before you ever file.
Our Insurance
Services
From your home to your car to your family’s future, we help Texans choose the right protection with fast service and expert guidance.
refer someone & get a $5 gift card!
Whether it’s your home, car, life, business, or the toys that make it all fun, we make getting covered simple.
Contact
"*" indicates required fields
