Home Insurance in Texas
Protect Your Home. Understand Your Options.
Your home is one of your biggest investments. Finding the right insurance shouldn't have to be confusing.
At Next Move Insurance, we help Texas homeowners compare insurance options from multiple markets and understand the coverage available for their property.
Whether you're buying a new home, renewing your current policy, protecting an investment property, or having difficulty finding coverage,
our bilingual team is here to help.
Serving homeowners throughout Texas, with a primary focus on Baytown, Mont Belvieu, La Porte, Pasadena, Channelview, Deer Park, Crosby, Dayton, Spring, Friendswood, Pearland, Kemah, Katy, Houston, Harris County, Liberty, Montgomery County and surrounding communities.
Find the Right Home Insurance Path
Review our solutions below and select the path that best aligns with your property and coverage needs.
Options for properties that have been declined by standard insurance carriers.
State-authorized coverage for homeowners who cannot find insurance in the traditional market.
Specialized insurance solutions for homes with roofs that exceed standard age requirements.
Homeowners Insurance
Standard protection for primary residences including dwelling, contents, and liability.
### Prior Claims
Coverage options for homeowners who have filed one or more insurance claims recently.
### Non-Renewal
Assistance for those whose current insurance policies are not being renewed by their carrier.
Policies designed for landlords renting out houses to long-term tenants.
Essential coverage for properties that are currently unoccupied and between residents.
Manufactured Home Insurance
Specific insurance plans for mobile and manufactured homes in community or private sites.
Older Home Insurance
Coverage tailored for historic or older properties with unique construction features.
New Construction Insurance
Insurance for homes that are recently completed or currently under building process.
High-Value Home Insurance
Customized protection for luxury estates with high replacement costs and high-end finishes.
Stand-alone coverage for water damage resulting from rising ground water or storm surges.
State-regulated wind and hail coverage for properties in designated Texas coastal counties.
Home Insurance Isn't One-Size-Fits-All
Every home and every homeowner is different.
The right insurance option can depend on the age and location of the property, construction type, prior claims, occupancy, coastal exposure, lender requirements and many other factors.
As an independent insurance agency, Next Move Insurance can explore multiple coverage options instead of limiting you to a single insurance company.
We help with insurance for:
Primary residences
New construction homes
Older homes
Rental and investment properties
Vacant properties
Manufactured and mobile homes
Homes with prior claims
High-value homes
Properties in coastal areas
Properties that may require Texas FAIR Plan coverage
Home Insurance Options
Protect your home, personal belongings and financial interests with homeowners insurance designed for your property and situation.
We help homeowners compare available options and understand important features such as dwelling coverage, personal property, liability, deductibles and other available protections.
Texas FAIR Plan
Having difficulty obtaining homeowners insurance through the traditional market?
For qualifying properties, the Texas FAIR Plan Association may provide an alternative when coverage isn't available through the regular insurance market.
Next Move Insurance is authorized to assist clients with Texas FAIR Plan applications and can help you understand whether this option
may be appropriate for your situation.
Vacant Home Insurance
A vacant property can present different risks than an occupied home, and many standard homeowners policies may have limitations related to extended vacancy.
Whether you're renovating, selling, inheriting or preparing a property for its next occupant, we can explore insurance options designed for vacant properties.
TWIA Windstorm Insurance
For eligible properties in designated Texas coastal areas, homeowners may need separate windstorm and hail coverage through the
Texas Windstorm Insurance Association (TWIA).
Next Move Insurance can help determine whether your property may need TWIA coverage and assist with the insurance process.
Buying a Home?
We Understand Insurance and Real Estate Closings
When you're buying a house, homeowners insurance isn't something you want to discover is a problem a few days before closing.
Our team understands:
Mortgage lender insurance requirements
Closing deadlines
Replacement cost considerations
Windstorm and flood requirements
Investment property insurance
New construction
Texas coastal properties
We work with homebuyers, Realtors, lenders and real estate professionals to help keep the insurance portion of a transaction moving.
Have a property under contract?
Send us the property information and we'll help you start exploring your options.
Having Trouble Getting Home Insurance?
Don't assume one insurance company's answer is the final answer.
Some properties can require additional research because of factors such as:
Property age
Roof age
Prior insurance claims
Property condition
Coastal location
Vacancy
Rental use
Manufactured construction
Insurance history
Because Next Move Insurance works with multiple insurance markets and specialized options, we can help explore what may be available.
When traditional homeowners insurance isn't available, we can also help determine whether alternatives such as the Texas FAIR Plan may be appropriate.
Why Work With Next Move Insurance?
Multiple Insurance Options
We're an independent insurance agency, which allows us to explore coverage through multiple insurance markets.
Personal Service
You're working with a local team not simply calling a large national call center.
Texas Insurance Knowledge
We understand many of the insurance challenges Texas homeowners face, including coastal properties, windstorm, flood and FAIR Plan situations.
Real Estate Experience
We understand home purchases, closings, lenders and investment properties.
English & Spanish
Our team provides full service in both English and Spanish.
Hablamos Español.
Local Texas Insurance Agents
Next Move Insurance serves clients throughout Texas,
with a strong presence in the Greater Houston area.
We frequently help homeowners in:
Baytown • Mont Belvieu • Houston • Pasadena • Deer Park • La Porte • Crosby • Channelview • League City • Galveston and surrounding communities
Frequently Asked Questions About Home Insurance
Can Next Move Insurance shop more than one insurance company?
Yes. As an independent insurance agency, we work with multiple insurance markets and can explore available options based on your property and insurance needs.
Do you offer homeowners insurance throughout Texas?
Yes. Next Move Insurance serves clients throughout Texas, with a primary focus on Harris County, Baytown, Mont Belvieu, Houston and surrounding communities.
Can you insure rental properties?
Yes. We help landlords and real estate investors obtain insurance for rental and investment properties.
Do you insure vacant homes?
Yes. We can explore insurance options specifically for properties that are currently vacant.
Do you insure older homes?
Yes. The age of a home doesn't automatically mean we can't help. Available options depend on the property's characteristics, condition and underwriting requirements.
Can you help with Texas FAIR Plan insurance?
Yes. We can assist eligible property owners with Texas FAIR Plan coverage when appropriate. Eligibility requirements apply.
Do you offer TWIA?
Yes. We help eligible property owners with Texas Windstorm Insurance Association coverage for windstorm and hail in designated coastal areas.
Do you offer flood insurance?
Yes. We can help explore both NFIP and private flood insurance options.
Can you help if I'm buying a house and need insurance before closing?
Absolutely. Our team understands real estate closings and lender insurance requirements. Send us the property address and closing information so we can begin exploring your options.
Do you speak Spanish?
Yes. Next Move Insurance provides service in both English and Spanish.
Ready to Protect Your Home?
Whether you're purchasing a home, renewing your insurance, protecting an investment property or simply want to compare your current coverage, we're ready to help.