Current rebuilding cost
It is calculated to rebuild today; it is not market value or a dwelling limit from years ago.
Home Policy Review
Texas home insurance quotes.Help buying, renewing, or switching.
Get a home insurance quoteA fair comparison uses today’s rebuilding cost, not market value or an old dwelling limit. It also reviews the policy form, deductibles, and roof terms.
Coverage comparison basis
We review HO-3, current rebuilding cost, a 1% all-other-perils deductible, a 2% wind/hail deductible, and no roof exclusion. Water backup is identified by its limit; flood usually requires separate coverage.
An honest review may show:
Comparable options are available
Your current policy may be difficult to beat
Home Rate Estimator
Est. Monthly
$148/mo
Yearly: $1,776
* Estimated preview based on typical Texas rate ranges. Final pricing subject to underwriting.
Why choose Argo
Your home deserves a thoughtful comparison.
Buying a home or facing a higher renewal? As an independent agency, Argo compares available options from multiple insurance companies and explains the differences so you can make an informed choice. Get personal help in English or Spanish, anywhere in Texas.
Start with your ZIP, name, and phone. Your current policy and documents can follow; you do not need everything in hand to talk with us.
Read our customer reviewsThe details we review with you
Form, deductibles, and roof
The basis is HO-3 with 1% all other perils, 2% wind/hail, and no roof exclusion. HO-A, higher deductibles, or exclusions are not equivalent.
Water and flood
Water backup has a specific limit. Flood is usually separate coverage and should be reviewed separately.
What happens after you request a quote
1. Tell us what you need
An agent reviews your request and asks for any property information still needed. Tell us about a closing, renewal, or coverage deadline.
2. Compare with an agent
We review available options, price, limits, roof terms, and deductibles. You can ask what changes compared with your current policy.
3. Confirm before switching
If you decide to proceed, we confirm carrier requirements and the effective date. If you have a mortgage, we review the details needed for proof. A quote does not activate coverage.
Home insurance across Texas
We help by phone and online from our Houston office. You can compare options for your home without visiting the office. Start with your city or request a quote using your ZIP.
We work with multiple home insurance carriers. An agent will check which can consider your property and compare available options. Coverage, price, and eligibility depend on the insurer and your home.
Understand your home coverage
A home policy can protect more than the building. These six common coverages help you compare what is protected, how much the policy can pay, and what you may need to add.
Your house
Dwelling coverage helps repair or rebuild your house after a covered loss, such as a fire. The limit should reflect rebuilding costs, rather than the sale price of your home and land.
Your belongings
Personal property coverage helps with belongings such as furniture, clothing, and electronics after a covered loss. Ask whether payment uses replacement cost or subtracts depreciation, and check special limits for valuables.
Detached structures
Other structures coverage can help repair a detached garage, fence, or shed after covered damage. Tell your agent how each structure is used, especially for a business or rental.
A place to stay
Additional living expenses coverage can help with extra costs, such as temporary lodging, when a covered loss makes your home unlivable. Dollar limits, time limits, and eligible expenses vary by policy.
Personal liability
Personal liability coverage can help with covered claims if you are legally responsible for injuring someone or damaging their property. Review the limit, exclusions, and any need for additional liability protection.
Guest medical expenses
Medical payments coverage can help with eligible medical bills for someone injured on your property, subject to the policy. It is separate from personal liability and does not replace your household health insurance.
Coverage depends on the issued policy, limits, deductibles, and exclusions. Flood, maintenance, and wear and tear are generally not covered by a standard home policy. Ask about separate flood coverage and any wind or hail exclusions for your property.
Read the Texas Department of Insurance home insurance guideGuides for comparing Texas home insurance
Explore the details before deciding how much protection you need.
Common Questions
Everything you need to know about this coverage.
Can Argo review my home policy before renewal or closing?
Yes. Argo can review your declarations page, roof age, deductible structure, escrow or lender requirements, flood questions, wind/hail exposure, and bundle options before you buy, renew, or switch.
Can I switch homeowners insurance after closing?
Many Texas homeowners can switch after closing, but the new policy should be active before the old one is cancelled and the lender or escrow account must be updated correctly.
Does homeowners insurance include flood?
Usually no. Standard homeowners policies generally exclude flood from rising water, so Houston and Texas homeowners should review separate flood options.
What should I send for a home insurance review?
Send the property address, current declarations page if available, roof age, year built, mortgagee or lender details, renewal or closing date, and any questions about flood, wind/hail, water, or deductibles.
Can Argo explain the policy in Spanish?
Yes. Argo has bilingual agents who can explain dwelling coverage, deductible, escrow, roof coverage, flood exclusions, and replacement cost in plain English or Spanish.