Home Insurance in Katy, TX - Protect Your Family and Property
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Home Insurance in Katy, TX - Protect Your Family and Property

Protect your home in Katy, TX with affordable homeowners insurance. Compare HO3, DP3, and rental coverage. Get quotes including flood insurance protection today!
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Homeowners Insurance Options for Katy, Texas Residents

Your home is your biggest investment. Loyal Services LLC helps Katy homeowners, landlords, and renters find the right insurance coverage to protect their properties from Texas weather risks including hurricanes, floods, and severe storms. Get quotes from leading insurers in minutes.

Types of Home Insurance Coverage in Katy, TX

Loyal Services LLC - HO3 - Standard Homeowners Insurance

HO3 - Standard Homeowners Insurance

The most popular homeowners policy for those living in their own home. HO3 covers: the external structure and roof, personal belongings inside, liability if someone gets hurt on your property, medical expenses for visitors, and living expenses if your home becomes uninhabitable. Ideal for Katy homeowners with mortgages.
Loyal Services LLC - DP3 - Landlord/Investment Property Insurance

DP3 - Landlord/Investment Property Insurance

Designed for property owners who don't live in the home and rent it to tenants. DP3 covers the building structure and liability but typically excludes tenant belongings. Perfect for Katy rental investors. Personal property coverage is optional based on your needs.
Loyal Services LLC - HO6 - Condo/Townhome Insurance

HO6 - Condo/Townhome Insurance

Specialized coverage for condo and townhome owners. HO6 protects your personal belongings, liability, and living expenses. It complements your community's master policy. Covers upgrades you've made to your unit.
Loyal Services LLC -Renters Insurance

Renters Insurance

Affordable protection for those renting homes or apartments in Katy. Renters insurance covers your personal belongings, provides liability protection, and covers temporary living expenses if the rental becomes uninhabitable. The landlord's insurance doesn't cover your stuff - you need renters insurance.

Flood Insurance for Katy, TX: Texas Weather Risks

Most standard homeowners policies DO NOT cover flood damage from hurricanes, heavy rainfall, and flash floods - common risks in the Katy area. Separate flood insurance protects against:

  • Overflow of inland or coastal waters
  • Flash flooding from heavy rainfall
  • Surface water accumulation and runoff
  • Mudflow

Given Katy's proximity to lakes and history of flooding, flood insurance is highly recommended. Loyal Services can help you understand your flood risk and find affordable coverage

Flood Insurance for Katy, TX: Texas Weather Risks

Frequently Asked Questions About Home Insurance in Katy

Flood insurance is not always required by law, but it IS required if you have a mortgage in
a flood zone. Even if not required, it’s highly recommended for Katy properties due to
weather risks. Ask us to check your flood zone

HO3 is for homeowners who live in the property. DP3 is for landlords/investors who rent
the property to others. The main difference is DP3 excludes tenant belongings coverage.
Choose based on whether you occupy the home.

Home insurance costs depend on your home’s value, age, construction type, coverage
limits, deductible, and claims history. Loyal Services compares quotes from multiple
companies to find the best rate for Katy homeowners like you.

Yes! Most insurance companies offer 10-25% discounts when you bundle home and auto
policies. Loyal Services checks all available bundles to maximize your savings.

Higher deductibles ($1,000-$2,500) mean lower premiums but more out-of-pocket costs
when filing claims. Lower deductibles cost more monthly but require less upfront money
during a claim. We help you choose what’s best for your budget.

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