Home Insurance
Your home is likely the biggest investment you'll ever make — and out here in West Texas, it faces real risks, from spring hailstorms to high winds. The Jonathan Shaw Agency helps Lubbock homeowners protect what matters most with coverage built for our climate and your budget. As an independent agency, we shop multiple top-rated carriers to find you strong protection at a competitive rate, and right now we have especially great homeowners rates available. We'd love to show you.
What Homeowners Insurance Covers
A standard homeowners policy is built around four main protections:
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Dwelling — repairs or rebuilds your home's structure after a covered event like fire, wind, hail, or lightning.
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Personal property — covers your belongings, often anywhere in the world; high-value items like jewelry or collectibles may need added coverage.
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Liability — protects you if someone is injured on your property or you accidentally damage someone else's, including legal costs.
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Loss of use — pays for hotels, meals, and extra costs if a covered loss makes your home temporarily unlivable.
A few things to know: standard policies generally don't cover flood or earthquake (those need separate policies), and in hail-prone areas like ours, wind and hail are typically covered but often carry a separate percentage deductible. We'll walk you through exactly what your policy does and doesn't cover — no surprises.
Frequently Asked Questions
Does home insurance cover wind and hail damage in Texas?
Generally yes — wind and hail are covered perils under most standard Texas homeowners policies. Many policies apply a separate wind/hail deductible (often a percentage of your home's insured value) given how common hailstorms are here. We'll make sure you understand your deductible before a storm ever hits.
How much homeowners insurance do I need?
Enough to fully rebuild your home and replace your belongings — which isn't the same as your home's market value or what you paid for it. We'll help you calculate the right dwelling amount based on rebuilding costs, not guesswork.
Does home insurance cover flooding?
No — flood damage requires a separate flood insurance policy. If your property has any flood exposure, ask us and we'll help you add the right protection.
How can I lower my home insurance premium?
Bundling home with auto is one of the most effective ways to save, along with choosing the right deductible and qualifying for discounts. Because we shop multiple carriers, we can compare your options and find the best combination of price and protection.
Get a Home Insurance Quote
Ready to see what you'd pay? Our home insurance rates are very competitive right now. Request a free quote and our Lubbock team will compare your options, or call us at 806.705.7141.