Homeowners Insurance in Rockwall, TX
Protecting Texas Homes from Life’s Uncertainties
In a state where the weather can change in an instant, homeowners insurance isn’t a luxury — it’s a necessity. Whether you own a single-family home, condo, or mobile home, Chase One Agency LLC offers insurance coverage that protects your property, personal belongings, and financial future.
Located in Rockwall and serving clients across Texas, we understand the challenges homeowners face — from hailstorms and flooding to fire and theft. Our team helps you prepare for the unexpected with reliable coverage that fits your home, budget, and lifestyle.
We also provide renters and landlord insurance policies, ensuring every type of property owner or tenant has access to the protection they need.
Why Homeowners Insurance Matters
A home is often your largest investment. Without proper insurance, damage caused by fire, storms, or vandalism could leave you with thousands of dollars in repairs — or worse, complete financial loss. Homeowners insurance helps safeguard you from these risks and provides a layer of protection that extends beyond the structure itself.
If someone is injured on your property, homeowners insurance may also cover legal liability and medical costs, depending on the policy.
At Chase One Agency LLC, we help you understand exactly what your policy includes, what’s optional, and how to avoid costly gaps in coverage.
What Does Homeowners Insurance Cover?
Our policies are designed to protect both the physical structure of your home and the life you’ve built inside it.
Standard Coverages
- Dwelling Coverage – Repairs or rebuilds your home if it’s damaged by a covered peril (e.g., fire, hail, wind)
- Personal Property – Covers belongings such as furniture, appliances, electronics, and clothing
- Liability Protection – Protects you if someone is injured on your property and you’re found legally responsible
- Medical Payments to Others – Pays medical expenses for guests injured in your home
- Loss of Use – Covers living expenses if your home becomes uninhabitable during repairs
Optional Add-Ons and Endorsements
- Flood Insurance (not typically included in standard policies)
- Windstorm or hail endorsements
- Sewer or water backup coverage
- Scheduled personal property (for jewelry, firearms, etc.)
- Identity theft protection
We work with leading carriers to offer customizable packages that suit both your risk tolerance and financial goals.
Who Needs Homeowners Insurance?
If you have a mortgage, your lender likely requires homeowners insurance. Even if your home is paid off, coverage remains essential to protect your investment and reduce liability.
We serve:
- First-time homebuyers
- Long-term homeowners
- Condo owners
- Mobile and manufactured homeowners
- Real estate investors
- Landlords and property managers
- Renters seeking affordable coverage for personal belongings
Why Choose Chase One Agency LLC for Your Property Insurance?
As an independent agency based in Rockwall, we combine local knowledge with access to national insurance carriers. This allows us to offer:
- Competitive rates from trusted providers
- Policies tailored to your home and budget
- Friendly, knowledgeable agents who explain coverage clearly
- Bilingual service for Texas’s diverse communities
- Ongoing policy support, updates, and claims guidance
We don’t just sell policies — we become your insurance partner, committed to helping you make smart, informed decisions about your home.
Frequently Asked Questions
Is homeowners insurance required in Texas?
It’s not required by law, but most mortgage lenders require it. Even if you own your home outright, insurance protects your finances from loss and liability.
Does homeowners insurance cover flooding?
No. Flood insurance is a separate policy and highly recommended in areas prone to flooding. We can help you obtain flood coverage through FEMA or private insurers.
What determines my premium?
Factors include the value of your home, location, age of the property, construction type, past claims, deductible amount, and more.
Can I bundle homeowners and auto insurance?
Yes. Bundling often results in significant savings. We’ll explore discount opportunities across all your policies.
Do you offer landlord or renters insurance?
Yes. We provide both landlord policies (for rental property owners) and renters insurance (for tenants), with flexible coverage options.
Get a Free Homeowners Insurance Quote
Don’t leave your home unprotected. Let Chase One Agency LLC help you build a homeowners insurance policy that covers what matters most — your house, your belongings, and your future.
