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Texas Home Insurance

 Here in the Lone Star state, we all know that the range of unpredictable weather is the size of…well…Texas! That’s why our team works with you to make sure that damage caused by fire, windstorms, hail, lightning, or even vandalism is no match for your insurance policy.

What’s Covered?

Texas Home Insurance Coverage

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Dwelling Coverage

Protects your home’s structure, built-in appliances and wall-to-wall carpet from damage.

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Contents & Personal Property

This  can cover your personal property not attached to or built into your home. this could include items like furniture and clothing.

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Personal Liability

Can protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing injury or property damage to others.

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Law or Ordinance Coverage

Coverage that may help pay to rebuild your home to current building codes after a covered loss.

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Other Structures

This coverage can pay for damages to detached structures or buildings like garages, sheds, and fences on your property.

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Loss of Use

Subject to terms and limits this coverage can help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

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Medical Payments to Others

This can help pay for medical or funeral expenses of someone who is injured on your property.

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Credit Cards

Can help pay for unauthorized transactions on your credit cards and bank debit/ATM card up to your selected limit. This also applies to forged checks and counterfeit money.

Save on Homeowners Insurance

There are multiple ways to save on a Homeowners Insurance Policy. Find out which homeowners insurance discounts you qualify for and start your quote today.

Homeowner Insurance Discounts

Bundle and Save

You can save up to 15% on home insurance when you have both a car insurance policy with the same carrier.

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Multiple Policy Discounts

Save even more when you add multiple policies with the same carrier such as Motorcycle, Boat, or RV coverage. 

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Protective and Safety Devices

You could earn extra discounts for fire alarms, burglar alarms, automatic sprinklers, and security systems in your home.

Home Buyer Discount

Additional savings are available to customers who have purchased their home within 12 months prior to the policy effective date.

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Going Green Discount

You can save up to 5% if your home is already certified “green home” by the Leadership Energy and Environmental Design (LEED) organization.

Claims-Free Discount

Offered to eligible customers who have not experienced a loss within a specified time period.

Renovation Credit

You could be eligible for a discount for renovating your home’s plumbing, heating, cooling or electrical systems.

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Gated Community Discounts

Available when all vehicle entrances to your community are protected at all times by security guards, residence cards or key-lock devices.

Prior History Discounts

This discount is available to new members and is based on the number of years you were continuously insured by your previous carrier.


Renters insurance protects more than just property.

When you rent an apartment or house, your landlord is not responsible for your personal belongings if they’re stolen or damaged. Renters insurance protects your personal belongings and also protects you if you’re held legally responsible for injuries to another person or guest while they’re visiting your home. Let Lifetime Insurance develop a renter’s insurance plan to protect you, your property, and your guests. 


Select A Coverage

With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.


Get A Quote

We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.

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Get Covered

Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!

Why Rockwall Texas Loves Us!

Here are just a few of the real Google reviews from our clients.
Read more Google reviews here or leave us a review here.


I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.

P.B. | McKinney TX


Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.

B.D. | Garland TX


Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...

M.H. | Rockwall TX


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