Dwelling Coverage
Pays to repair or rebuild your home's structure after a covered loss like fire or storm damage.
Homeowners Insurance · Garland & DFW, TX
Homeowners coverage that says yes
Dwelling, personal property, and liability coverage for your home — with bilingual agents and flexible payment plans.
- Fast Proof of Insurance
- Se Habla Español
- Flexible Payment Plans
- Licensed in Texas
Find the Best Price & Coverage Today
Enter your ZIP code and get a free homeowners insurance quote in minutes.
Coverage Options Through Trusted Carriers
What's Covered
What Homeowners Insurance Covers
A quick look at the coverage types that make up most homeowners policies.
Personal Property Coverage
Protects your belongings — furniture, electronics, clothing — inside your home.
Liability Protection
Covers you if someone is injured on your property and you're found responsible.
Medical Payments Coverage
Pays medical bills for a guest injured on your property, regardless of fault.
Other Structures Coverage
Covers detached structures like a fence, shed, or detached garage.
Loss of Use Coverage
Helps cover living expenses if your home is temporarily uninhabitable after a covered loss.
Understanding Coverage
How Homeowners Insurance Works
Homeowners insurance works like other property coverage: you pay a premium, and your insurer covers specific costs after a fire, storm, theft, or other covered event, up to your policy's limits and deductible.
Texas isn't a state that legally requires homeowners insurance, but if you have a mortgage, your lender will require it — and it protects what's likely your biggest investment either way.
Our Coverage
Homeowners Coverage Options at Zuro
Whatever your home looks like, we have a policy built for it.
Get My Free QuoteStandard Homeowners Policy
Dwelling, personal property, and liability coverage in one package.
Higher-Risk Home Coverage
Options for homes that standard carriers may decline, including older roofs or prior claims.
Bundled Home & Auto Discounts
Combine home and auto coverage with Zuro for a lower combined rate.
Be Prepared
What to Do If You Have a Home Insurance Claim
Storm damage, fire, or theft is stressful — these steps protect you and your claim.
Make sure everyone is safe
Get your family and pets somewhere safe before dealing with anything else.
Prevent further damage
Take reasonable steps like tarping a roof or shutting off water, without making major repairs yet.
Document everything
Photograph and video the damage before you clean up or move anything.
Make a list of damaged items
Note approximate value and age for personal property claims.
Keep receipts for temporary expenses
Hotel stays or meals during displacement may be reimbursable.
Call Zuro right away
Call (972) 656-0271 and we'll walk you through filing your claim.
Buyer's Guide
How to Choose the Right Coverage
Five things worth thinking through before you buy — or just call us and we'll walk you through it.
Know your home's rebuild cost
Coverage should reflect what it costs to rebuild your home, not its market value.
Inventory your belongings
Understanding what you own helps you choose the right personal property limit.
Consider your liability exposure
A pool, trampoline, or dog can raise your liability risk and coverage needs.
Decide on your deductible
A higher deductible lowers your premium but raises what you'd pay out of pocket after a claim.
Talk to a licensed agent
The only way to know your real rate is a personalized quote based on your actual home.
Lower Your Rate
Ways to Get a Better Price on Homeowners Insurance
Simple, real ways to bring your premium down without giving up the coverage you need.
Bundle your policies
Combine home with auto coverage with Zuro for a lower combined rate.
Install safety features
Smoke detectors, deadbolts, and security systems can qualify you for discounts.
Choose the right deductible
A higher deductible can meaningfully lower your monthly premium.
Keep continuous coverage
A lapse in coverage often raises your rate.
Maintain your roof and systems
A newer roof or updated wiring/plumbing can lower your risk profile.
Compare with a local agent
A real agent can shop multiple carriers instead of locking you into one rate.
Pricing
How Much Does Homeowners Insurance Cost in Texas?
Rates vary by homeowner — there's no single “average” that applies to everyone. Your rate depends on your home, your claims history, the coverage you choose, and where you live.
Get My Free QuoteHome age, size & construction
Roof condition & age
Coverage level & deductible
Location & storm/hail exposure
Claims history
Your down payment & payment plan
Why Zuro
Why Homeowners Choose Zuro
We built Zuro for homeowners other insurers turn away — with real agents who treat you like a neighbor, not a risk score.
Get My Free QuoteFast, simple process
Get a policy and proof of insurance without the runaround.
Bilingual agents, English & Español
Every agent speaks both languages fluently — no translation apps needed.
No SSN required
We accept alternative identification for most policies.
Flexible payment plans
Down payments and monthly plans that fit your budget.
Licensed & bonded in Texas
Fully compliant with Texas Department of Insurance regulations.
Real local agents across DFW
Walk into an office near you — we're not a call center.
Reviews
Trusted Across Dallas-Fort Worth
"Zuro got me my SR-22 the same afternoon. The agent explained everything in Spanish and English — made it so easy."
FAQ
Homeowners Insurance Questions
It's not required by state law, but your mortgage lender will require it if you're financing your home.
No, flood damage requires separate flood insurance — ask your agent whether your area needs it.
Yes, we work with homeowners who've had prior claims or been declined elsewhere.
Replacement cost pays to rebuild/replace without depreciation; actual cash value factors in depreciation — we'll help you understand which your policy uses.
Most customers walk away with proof of insurance the same day, in person or online.
Ready to Get Home Coverage Today?
Talk to a real agent in English or Español — no pressure, no judgment.