Homeowners Insurance FAQ

Most standard homeowners policies in Texas cover wind damage, including hurricane-force winds. However, in Southeast Texas, some policies carry separate wind and hail deductibles or may exclude windstorm coverage entirely. In those cases, coverage through the Texas Windstorm Insurance Association — TWIA — may be necessary. As a TWIA-appointed agency, Miller Insurance can help Beaumont area homeowners get the windstorm protection they need.

No — and this is one of the most critical coverage gaps for homeowners in Southeast Texas. Standard homeowners policies do not cover flood damage under any circumstances. Given Beaumont’s history with major flooding events and the number of properties in FEMA-designated flood zones, flood insurance is not optional for most homeowners in our area. Miller Insurance offers separate flood coverage to make sure you are fully protected.

Actual cash value pays what your home or belongings are worth at the time of loss, after depreciation. Replacement cost pays what it would actually cost to rebuild or replace them at today’s prices. Given rising construction costs in Southeast Texas, replacement cost coverage is almost always the smarter choice. Our agents will make sure you understand which option your current policy includes and whether an upgrade makes sense.

Yes — we strongly recommend it. A significant number of flood claims in Texas come from properties outside designated high-risk zones. Flooding does not follow zone boundaries, and Southeast Texas has seen firsthand how quickly water can rise in unexpected areas. Flood insurance for lower-risk zone properties is often more affordable than most homeowners expect.

When you go directly to one company, you only see what that company offers. Miller Insurance shops your coverage across our full carrier network — including Foremost, National Lloyds, Tower Hill, TWFG, Swyfft, and others — to find the best combination of coverage and price for your home. You get one trusted local agent with over 40 years of Southeast Texas experience and access to multiple options, plus a real person who knows your name when you need to file a claim.

Miller Insurance Agency helps Texas homeowners secure homeowners insurance. Our agents can discuss your options and recommend suitable policies. Contact us today to learn more.