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11511 Katy Freeway, Suite 415
Houston, TX 77079
PH: (713) 467-1100
Fax: (713) 467-1100

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Home Insurance

Home Owner's Insurance in Houston Texas

We want you to be covered in every part, and stage of your life. Your house is where you live, it’s where you make memories that will last a lifetime and that’s why we use our experience to help you choose the protection you need.



Covers the house and attached structures on the property for accidental direct physical loss except those losses that are excluded by the policy. This includes built in or attached items such as built in appliances or wall-to-wall carpet.

Other Structures:

Covers other buildings or structures on the property that are separated by clear space from the house. Ex. Detached garage or a gazebo. Covers for accidental direct physical loss to the structure except as excluded or limited by the policy.

Loss of Use:

Pays for reasonable living expense if you are not able to reside in the home due to covered loss.

Personal Liability:

Covers damage to others for which you are liable except as limited or excluded by the policy.

Medical Payments to Others:

Pays for medical or funeral expenses of others who are injured on your property or caused by your activities on or off your property.

Extended Replacement Cost on Contents:

Pays to replace or repair personal property without being taken from the value of the property.

Ordinance or Law:

Pays of increased expense to rebuild due to current building codes or ordinances. Example: Current zoning may require all new construction to have sprinkler systems.

Water Backups of Sewers:

Broadens the coverage for loss due to water back up through sewers or drains.

Scheduled Personal Property:

Provides additional coverage for personal property of higher values such as jewelry, watches, furs, etc.

Identity Theft:

Pays up to $25,000 for expenses incurred, plus includes a service aspect to assist you with all tasks to restore your identity.

You’ve worked hard for what you have. Ensure you have the right insurance policy that meets your needs and lifestyle.

Home insurance protects you from theft and damage. Request a home insurance quote to get the coverage that’s best for you.
Coverage options may include damage from:

Theft On or Off Premises (Limited}
Plumbing accidental overflow
Electrical surges damaging appliances
Riot and Civil Commotion
Vandalism and Malicious Mischief
Lightning and Fire
Windstorm and Hail
Weight of ice or snow
Smoke Damage
Falling objects

Homeowner’s Insurance Discounts may be available

Start saving today with Speck Insurance’s homeowner’s insurance discounts for:

  • Sprinkler systems
  • Claim Free
  • Home Purchase
  • Home Renovation
  • Gated Community
  • Homeowners insurance combined with auto insurance or other Speck Insurance policies (Multi-Line)
  • Monitored fire and burglar alarms
  • Local ultrasonic burglar alarms
  • Fire extinguishers

Protect yourself, your family and others with a homeowner’s insurance policy that may provide coverage for some or all of the following expenses:

  • Cost of defending claims against you
  • Medical expenses of others
  • Accidental death benefits
  • Personal liability coverage for you, your spouse, relatives living with you and persons under 21 in your care

Get a comprehensive homeowners insurance quote today. Protect your house and personal property with homeowner’s insurance coverage from Speck Insurance.