Trusted home insurance coverage for Texas families — serving Plano, Laredo, and surrounding communities. Call a licensed agent today.
Homeowners insurance (also known as home insurance or HOI) is one of the most important financial protections you can have as a homeowner. In Texas, standard homeowners policies cover your home's structure, personal belongings, liability, and living costs if your home becomes uninhabitable after a covered loss.
At Zoi Insurance, we work with multiple top-rated carriers to find you a policy that fits your home, your risk, and your budget — at the best available rate. We serve homeowners in Plano TX, Laredo TX, and throughout the state of Texas.
Pays to repair or rebuild your home's structure — walls, roof, floors, built-in appliances — if damaged by a covered peril such as fire, lightning, windstorm, hail, or vandalism.
Covers detached structures on your property: fences, garages, sheds, and driveways.
Reimburses you for stolen or damaged personal belongings — furniture, electronics, clothing, and more — up to your policy limits.
Pays for hotel stays, meals, and other costs if you must temporarily leave your home during covered repairs.
Protects you if someone is injured on your property or you accidentally cause damage to someone else's property. Covers legal defense and settlements.
Pays medical bills for guests injured on your property, regardless of fault.
Note: Standard Texas home insurance does NOT cover flood damage. A separate NFIP flood insurance policy is required. Our agents can help you obtain flood coverage as well.
Texas has some of the highest home insurance premiums in the nation due to severe weather risks including hail, tornadoes, and hurricanes. The average annual premium in Texas ranges from $1,800 to $3,500+, depending on your home's:
The best way to find your rate is to call us. Our agents will compare multiple carriers and find you the lowest rate for your specific home.
Plano is located in Collin County, one of the fastest-growing areas in the DFW Metroplex. Plano homeowners face risks from severe hailstorms, thunderstorms, and occasional tornado activity. Our Plano office specializes in finding competitive home insurance for this market.
Laredo's South Texas location brings high summer temperatures and occasional flooding risks from the Rio Grande. Our Laredo office serves homeowners across Webb County with policies suited to South Texas conditions.
Call now and speak with a licensed Texas home insurance agent. No forms. No pressure.