Roundup: Property Insurance Guide
For many, homeownership is an American dream realized. But it’s also one of the greatest investments many of us will make in our lifetimes. Property insurance is there to help protect this investment.
No matter where you are in your home ownership journey, lean into this property insurance guide that answers homeowners’ most common questions — and tackles important considerations that come with this type of insurance coverage.
Property Insurance FAQs
There can be a lot of variables when it comes to selecting the right type — and amount — of property insurance coverage. Often, this means policyholders have several questions: What is my policy’s dollar limit? What type of damage will my property insurance cover? Your Texas Farm Bureau Agent can answer these questions and point you in the right direction. Get your most pressing property insurance FAQs answered now.
Buying a Home
There’s no shortage of people moving to Texas. (We welcomed about 668,000 new neighbors in 2022, according to Texas REALTORS’ “2024 Texas Relocation Report.”) This influx of people has led to a competitive housing market in some parts of the state. There’s already so much to think about when you’re in the market for a new home, but it’s important to put property insurance at the top of your list. After all, it’ll be what’s protecting your investment. Ask these questions to stay informed about what you’re buying and what your policy is protecting. And, if you’re a first-time homebuyer, here’s what you need to know about property insurance.
Renters Insurance
As the cost of living rises, renting a home or apartment is becoming a popular option for some young adults and families. However, many landlords require tenants to have a renters insurance policy before moving in. Before you sign a lease, learn more about renters insurance.
Remodeling Considerations
There’s much to consider when beginning a home remodeling project. Don’t forget about your property insurance. At the most basic level, your Agent will need to know if you’re adding — or removing — square footage from your home, as this can impact your home’s value. Learn more about how home renovations could affect your insurance.
Know Your Property’s Liabilities
No matter how pristine a piece of property seems, potential risks may be hiding. Awareness is a gift, as it allows you to get adequate insurance coverage. Outdated wiring and swimming pools can carry the most obvious risks, as can free-standing fireplaces. Learn more about potential safety hazards in your home and liabilities that may be hiding on your property.
Think Before You List on Airbnb
Texas sees millions of visitors each year, which has led some Texans to open their homes to weary travelers through sites such as Airbnb and Vrbo. While we may be known for our hospitality, home-sharing can have drawbacks. Make sure you know the legality and potential issues that come with opening your home. Learn more about what you should know before listing your home on Airbnb.
Farm & Ranch Insurance
In Texas, we take advantage of the wide, open space — the Lone Star State leads the nation in the number of farms and ranches with more than 230,000 covering 125.5 million acres, according to the Texas Department of Agriculture. Sometimes, a regular property insurance policy just won’t cut it. Whether living on a few rural acres or a full-functioning farm, you’ll likely have different needs than those living in cities and suburbs. Learn more about farm and ranch insurance.
Filing a Property Insurance Claim
There are many reasons why you might need to file a property insurance claim. Fire, flood, and water damage are some of the most common types of property claims in Texas. Learn more about how to file a property insurance claim.
Get a Property Insurance Quote
There are three easy ways to get a property insurance quote:
- Fill out this property insurance quote form.
- Call 877.327.6287.
- Stop by your county Texas Farm Bureau Insurance office to speak with your Agent.
Once you’ve got the right property insurance in place, try these no-cost home maintenance tips to keep expensive repairs at bay.
Coverage and discounts are subject to qualifications and policy terms and may vary by situation. © 2025 Texas Farm Bureau Insurance
