The good news is that your Texas home insurance through Hippo will cover all of these things and more.  Homeowners Insurance Texas Survival Guide
The cost of your home insurance will be determined by the coverage levels you purchase as well as the value of your home and the part of Texas you live in.  Know your deductibles (wind and hail or hurricane )  Hippopotamus offers separate deductibles for both Wind & Hail and hurricane coverage, so it is extremely important to know what each deductible will be for each type of covered loss.
The reason why this is important is that all deductibles must be paid separately.
If you paid your general deductible for the year and your home is damaged by Wind or Hail, you must pay that deductible in full before the insurance company covers the rest.
Have an Inventory of Your Home Somewhere
The Texas Department of Insurance created this nifty home inventory checklist for everyone to print and use.
You can go room by room and record each item along with the price and date of purchase.
A list like this is important when it comes to filing to find out what has been lost and especially to file a claim.
Keep in mind that number 6, nationwide for home insurance claims, was theft, so having that emissary list of your things is a great idea.
Have A Plan & A Survival Kit
If you had seen the latest episodes of 911 (shouts to Angela Bassett), you would have seen the entire "Earthquake" series of episodes.
The biggest thing that stood out was that her family had survival rates, the only thing they lacked was a definite place to meet.
It will be just as important if a disaster occurs.
Also try to keep a copy of all your important documents in your Survival Kit or somewhere online.
What is the average homeowner's insurance rate in Texas?
Your annual premium will depend on several factors such as the size and address of your home and whether you add additional coverage options.
Texans, however, pay on average about twice (twice) the national average.
According to the Insurance Information Institute the average cost of homeowners insurance is about $ 1,937 in Texas.
Can You Get Flood Insurance in Texas?
You can get flood insurance if you live in Texas.
You will probably need to go through the National Flood Insurance Program a government-supported service that provides flood insurance.