Fort Worth · Tarrant County · North Texas
Home Insurance in Fort Worth, TX
Protect your home, your belongings, and everything you've worked for — with a policy built for North Texas.
What is home insurance?
Your home is likely your largest asset. In North Texas, it also faces wind, hail, and the occasional plumbing surprise. A good homeowners policy covers all of that — a great agent makes sure you understand exactly what's covered before you need it.
We help Fort Worth homeowners across Tarrant, Denton, and Collin counties compare home insurance across carriers and build coverage that fits their house, their budget, and their risk.
What this covers
Coverage options for home insurance
Every policy is built from a mix of the pieces below. We'll help you decide which you need — and which you don't.
Dwelling coverage (Coverage A)
Pays to rebuild your home after a covered loss — priced to actual replacement cost, not the market value.
Other structures (Coverage B)
Detached garages, sheds, and fences.
Personal property (Coverage C)
Your belongings inside the home — furniture, electronics, clothing, appliances.
Loss of use (Coverage D)
Hotel, food, and living costs if a covered loss makes your home unlivable.
Personal liability (Coverage E)
Protects you if someone is injured on your property or if you're held responsible for damage.
Medical payments (Coverage F)
Small medical bills for guests injured on your property, regardless of fault.
Wind & hail options
North Texas storms happen — we make sure your deductible and coverage make sense for your area.
Water backup & service line
Optional add-ons that cover sewer/drain backup and buried utility line damage — small cost, big protection.
Who it's for
Is home insurance right for you?
A first-time homebuyer in Fort Worth who needs a policy at closing and wants it explained in plain English.
A homeowner in Tarrant, Denton, or Collin County shopping renewal after a big rate hike.
A family in a hail-prone North Texas neighborhood weighing wind/hail deductible options.
A landlord or second-home owner who needs a landlord or seasonal dwelling policy.
Good to know
What home insurance typically doesn't cover
No surprises at claim time. Here are the common exclusions and Texas-specific things to know before you buy.
- Flood damage from rising water is excluded — a separate flood policy is needed.
- Earth movement, including earthquake and sinkhole, is not covered by standard policies.
- Wear-and-tear, pest damage, and long-term maintenance issues are not covered.
- Business activity run from the home usually needs a separate endorsement or commercial policy.
Optional add-ons
Endorsements to consider
Small additions that make a big difference at claim time. We'll walk through which ones are worth it for you.
Why independent
We shop multiple carriers so you don't have to.
Captive agents can only sell one company's product. As an independent-style agency, we compare home insurance across trusted carriers, find the best fit for your situation, and stay your single point of contact for the life of the policy.
- Multiple carriers, one honest recommendation.
- One point of contact for quotes, changes, and claims.
- Local Fort Worth agency — licensed to serve all of Texas.
How it works
Three simple steps to real coverage
1. Request a quote
Fill out the short form or call. A few basics is all we need to get started.
2. We shop it
We compare home insurance across multiple carriers and bring you the best options.
3. You choose
No pressure. Pick the coverage and price that fit — we handle the paperwork.
Why a local agent
A real person for your home insurance — right here in Fort Worth.
North Star Insurance Group is a Fort Worth agency licensed to serve all of Texas — Tarrant, Dallas, Collin, Denton, Hunt, and Rockwall counties and every community statewide. We treat every policy like it belongs to a neighbor.
- We shop multiple carriers so your rate reflects the market, not one insurer's algorithm.
- We explain deductibles (including wind/hail) in plain English so there are no renewal surprises.
- Bundle discounts for home + auto are reviewed at every renewal.
- A local human handles your claim questions — not a chatbot.
FAQ
Common home insurance questions
Ready for a real quote on home insurance?
No pressure, no jargon. Fill out the form or call — you'll usually hear back within one business day.
North Star Insurance Group
5751 Kroger Dr, Suite 28019
Fort Worth, TX 76244
Monday–Friday, 8:30 AM – 5:30 PM · Saturday by appointment only
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Learn more →Get your free home insurance quote
Serving DFW and all of Texas.