What does homeowners insurance typically cover?

Homeowners insurance usually covers your home’s structure, your personal belongings, liability for injuries, and extra living expenses if a covered event forces you to leave your home temporarily.

Is homeowners insurance required in Texas?

It's not legally required by the state, but most mortgage lenders will require it as a condition of the loan.

How can I lower my home insurance premiums?

Consider bundling your home and auto policies, raising your deductible, improving home security, or maintaining a strong credit history.

Does home insurance cover flooding or water damage?

Standard home insurance does not cover flood damage. We can help you add separate flood coverage to ensure full protection.

Home Insurance | Dumas Insurance Agency

Trusted Coverage for Texas Homeowners

Your home is your foundation—and it deserves protection from people who know the Panhandle. At Dumas Insurance Agency, we offer home insurance policies designed to fit the way you live, whether you're in Dumas, Amarillo, Dalhart, Lubbock, or anywhere across Texas. With access to top carriers and real agents who guide you through your options, we make it easier to insure your home with confidence.

Dwelling Protection

Covers your home’s structure from common risks like fire, wind, hail, and other covered perils.

Personal Property Coverage

Protects belongings like furniture, electronics, and clothing from theft, fire, and other covered damage.

Liability Protection

Helps cover expenses if someone is injured on your property or if you cause accidental damage to someone else’s.

Answers You Need

Common Questions About Home Insurance

If you have more questions about protecting your home, call us at (806) 935-5354.

¿Tiene más preguntas sobre cómo proteger su hogar? Llámenos al (806) 935-5354.

What does homeowners insurance typically cover?

Homeowners insurance usually covers your home’s structure, your personal belongings, liability for injuries, and extra living expenses if a covered event forces you to leave your home temporarily.
Is homeowners insurance required in Texas?

It's not legally required by the state, but most mortgage lenders will require it as a condition of the loan.
How can I lower my home insurance premiums?

Consider bundling your home and auto policies, raising your deductible, improving home security, or maintaining a strong credit history.
Does home insurance cover flooding or water damage?

Standard home insurance does not cover flood damage. We can help you add separate flood coverage to ensure full protection.

Start with a Call

Let’s Cover Your Home

Your home is one of your biggest investments—protect it with guidance you can trust. Contact our team today for coverage options tailored to your home and your budget.

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Protecting Texas Homes

Home Insurance