Insuring Families and Businesses in Dallas for over 20 years

Homeowners Insurance Dallas, TX

Homeowners Insurance Dallas, TX

When shopping for homeowners insurance in Dallas, TX our agents will provide you with home insurance quotes from highly rated insurance companies, making it easy to compare different rates and choose the coverage that is right for you and you budget. 

As an independent insurance agency, our licensed risk managers will answer any questions you have about the different types of Dallas property insurance. Including personal property coverage, liability, discounts, and more.


Get Home Insurance Quotes Online From the Thumann Agency.


What Does Home Insurance Cover? 

Your homeowner's insurance covers you for potential loss resulting from risks such as severe storms, theft or burglary, fire and also your personal liability. The specific risks you may face as a homeowner could also include earthquakes and floods, which are not included in home insurance and must be covered by separate policies. 

Typical Homeowners Coverages:

  • Coverage for the structure of your home pays if your house is damaged or destroyed by a covered loss.
  • Coverage for your personal belongings - pays if the items in your house are damaged, stolen, or destroyed.
  • Liability protection** - pays to defend you in court should you be found legally responsible for someone else's injury or property damage.
  •  Additional living expenses - pays if you are temporarily unable to live in your home because of an insured disaster.

**Your home liability coverage protects you if a person is injured on your premises or you are accountable for damage to someone else’s property. Your homeowner's insurance can even protect you against injury you cause to another person off-premises under certain situations. NOTE: Your liability insurance will not cover intentional damage or acts of violence. 


Save Even More With These Dallas Homeowners Insurance Discounts

Find out which homeowners insurance discounts you may qualify for to make your Homeowners insurance policy even more affordable.

Smoke Alarms or Fire Extinguishers - Not only do smoke alarms help save lives, but they could also save you money on your homeowner's insurance. The same applies for fire extinguishers.

Home Security Systems - Get a discount if your home has working smoke detectors, burglar alarms, fire alarms,  or other qualifying devices

Multi-Policy Discount - When you bundle your car and homeowners insurance policy together, you could get a discount.

Claims-Free Discount - You could save on a new home policy if you have not filed a claim with your previous insurance carrier for five years or more.


Home insurance review


Additional Coverage For A Home Insurance Policy

Specialty coverage can be added for unique exposures within your typical homeowner’s insurance policy. Supplemental policies include:

  • Valuable Articles/Floater Insurance policies (i.e. Jewelry, art & collections)
  • Flood Insurance policies
  • Earthquake insurance policies
  • Umbrella Insurance policies (additional liability)
  • Home Business
  • Animal Liability (liability issues due to household pets)


The Thumann Agency Works With Over 80 Highly Rated Insurance Companies:

Unlike captive agents who provide homeowners coverage from just one insurance company, the Thumann Agency works with multiple highly rated insurance carriers in order to get you the comprehensive coverage you need at the most affordable rate.

Our home insurance companies include: ​ 

  • Liberty Mutual
  • Progressive
  • Allstate
  • Chubb
  • Pure
  • Berkshire Hathaway 
  • Travels 
  • AARP
  • And many others 


Homeowners Insurance for all of Texas

No matter where you live in Texas, our experienced agents can help you safeguard your treasured property and belongings from covered damages, theft, unforeseen incidents and more.

Cities we serve include:

Additional Resources: 


The Rise of Dallas Home Insurance Rates

How to File a Homeowners Insurance Claim?

How Do Insurance Companies Set Homeowner Rates?

Inside the Mind of a Dallas Thief