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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.

Dwelling Coverage

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

Contents & Personal Property

This can cover your personal property that is not attached to or built into your home. In other words, this coverage applies to anything from your furniture and clothing to jewelry, heirlooms, and firearms.

Personal Liability

This can protect you in the event of a claim and provides 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.

Other Structures

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

Loss of Use

Although this coverage is subject to terms and limits, it can help you pay for any additional living expenses, if you are unable to live in your home due to a loss, like hail, flood, or fire damage, as long as that loss is covered under your policy.

Medical Payments to Others

In the event that someone is injured on your property, this coverage can help you pay for medical or funeral expenses of the injured person or persons.

There are many ways to save on homeowners insurance. Find out which discounts you qualify for today – start with a quote!

Home Insurance Discounts

Bundle and Save

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

Home Buyer Discount

Additional savings are available to customers who have purchasedtheir home within 12 months prioer to the policy effective date.

Renovation Credit

Have you made some home upgrades? You could be eligible for a discount for renovating your home’s plumbing, heating, cooling, or electrical systems.

Multiple Policy Discount

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

Going Green Discount

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

Gated Community Discounts

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

Protective and Safety Devices

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

Claims-Free Discount

This is a great discount that is offered to eligible customers who have not experienced a loss within a specified period of time.

Prior History Discount

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

Home Coverage Options

This can cover damage to fishing equipment while on an insured boat or while being carried on or off an insured boat. It can apply to both amateur and professional fishermen.

This covers to a limit if a cat or dog that is injured because of a boating accident.

Potentially covers the replacement cost for loss or damage to your personal property while onboard, or while being carried on or off an insured boat.

This coverage can pay for on-site labor for your tow vehicle or boat trailer, or towing to the nearest qualified repair facility. May also cover your boat or personal watercraft trailer, along with the vehicle used to tow it.

Can cover towing expenses and other emergency services, up to selected limits, if your boat becomes disabled on the water.

Total price protection for boats two years old or younger. That means you get the same features, equipment, and options as the boat you lost, regardless of the cost.

Personalized Coverage as Unique as You & Your Home

No two homes are the same, nor are the people who live in them! Whether your home is your tranquil happy place or a hangout destination for friends and family, we can help you customize your coverage to suit you. 

homeowners insurance

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.

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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