Home Insurance

Coverage that fits Central Texas homes

As a homeowner in Georgetown, TX—and across Williamson County—you need homeowners insurance in Georgetown, TX that reflects real rebuild costs, Texas weather, and everyday liability. Alcorn Insurance Texas compares carriers, explains deductibles in plain English, and helps you align coverage for homes near the Georgetown Square, Sun City, Serenada, and Wolf Ranch.

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What your policy can cover

Dwelling coverage

Rebuild costs for your house, sized to today’s labor and materials in Central Texas

Liability protection

Coverage if someone is hurt on your property or you cause damage off-premise.

Wind and hail

Deductible choices for Texas storms, including roof-specific options.

Scheduled valuables

Extra protection for jewelry, instruments, or collectibles.

Personal property

Furniture, electronics, and clothing; options for replacement cost on contents.

Additional living expenses

Hotel and meals if a covered loss makes your home temporarily unlivable.

Roof coverage options 

Actual cash value vs. replacement cost; we’ll help you choose the right fit.

Flood insurance (separate)

Standard policies exclude flood; we’ll quote NFIP and private options.

Local insight

Built for Georgetown neighborhoods

From older roofs near Old Town to new builds by Lake Georgetown, we right-size dwelling limits, review wind/hail deductibles, and look for savings when you bundle with auto insurance. For higher liability needs—pools, short-term rentals, or frequent hosting—we’ll discuss adding umbrella insurance that sits above home and auto, giving your household more breathing room.

Home insurance FAQs

  • Is homeowners insurance required in Texas?

    Not by law, but most lenders require it. Even without a mortgage, it’s the best way to protect your home, belongings, and liability.

  • How much coverage should I carry?

    Aim for the home’s full rebuild cost, not market price. We’ll estimate materials, labor, and code upgrades common in Georgetown.

  • Does my policy cover hail and wind?

    Yes, subject to your chosen deductible. We’ll explain percentage vs. flat deductibles and how they affect storm claims.

  • Is flood covered by home insurance?

    No. Flood is separate. If you’re near creeks, low spots, or new development that changes drainage, we’ll quote NFIP and private options.

  • Can I lower my premium without cutting protection?

    Often by bundling home and auto, updating your roof, installing monitored security, and setting a deductible that fits your cash flow.