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Gilchrist Insurance Group

3025 Fort Worth Highway, Ste. B
Hudson Oaks, TX 76087

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Texas Homeowners with home insurance coverage

Home Insurance in Texas

If home is where the heart is, then you want to do everything you can to protect it. Home insurance is one meaningful way to protect your home and the investment you've made into it. At Gilchrist Insurance Group, serving Hudson Oaks, TX, we want to help Texas homeowners understand their insurance options. Keep reading to learn more about home insurance.

Do I Need Home Insurance?

Most homes are required to have active home insurance if there is a mortgage on the house. Even if you don't have a mortgage on your home, it's important to have insurance in place to protect your investment.

What Happens If I Don't Have Insurance?

If you choose not to have home insurance, you are putting yourself at significant risk. If your home is damaged, the repairs for that damage would come out of your pocket. Depending on the extent of the damage, paying for these expenses suddenly could leave you financially vulnerable. If your home is completely lost due to damage, you must pay for a new one. Most families aren't able to do with the cash they have on hand. This could leave your family homeless. Home insurance puts up a layer of protection against these risks.

How Much Coverage Do I Need?

This is a common question among homeowners. The best way to determine how much home insurance coverage you need is to sit down with an insurance representative and discuss your particular situation. Factors such as the value of the home and the value of your possessions within the home all play a part in determining how much coverage to buy.

If you'd like to learn more about home insurance or any of our other insurance products, please contact us at Gilchrist Insurance Group, serving Hudson Oaks, TX, and the surrounding areas.

Why work with us?

Choose Gilchrist Insurance Group for personalized insurance solutions tailored to your needs, backed by years of local expertise and a commitment to exceptional client service. Our dedicated team is here to provide peace of mind and protect what matters most.


Partner Carriers

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  • Nationwide
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  • Safeco
  • State Auto
  • Travelers