Protect What You’ve Worked Hard For

Reliable Homeowners Insurance in Fort Worth

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South Fwy Office:

7200 South Fwy. Fort Worth, TX 76134

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South Fwy Phone:

817-223-1886

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Hemphill Office:

4043 Hemphill St. Fort Worth, TX 76110

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Hemphill Phone:

817-952-9995

Simple, Local Coverage with Real Support

Peace of Mind Starts at Home

Your home isn’t just a building—it’s where your life happens. At VIP Insurance & Services, we offer personalized, bilingual homeowners coverage tailored for Fort Worth families. Our local agents take the time to explain every detail, so you know exactly what you’re getting.

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Texas homeowners are not required by law to have insurance, but mortgage lenders typically require it.

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Most policies include dwelling, personal property, and liability coverage.

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Flood insurance is not included in standard policies and must be purchased separately.

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VIP offers guidance on optional endorsements like foundation, sewer backup, or jewelry protection.

What Homeowners Insurance Covers

A strong policy goes beyond the basics. At VIP, we help you cover what matters, from your roof to your valuables—and even your guests.

Contact Us to Discuss Coverage Options

Dwelling Coverage

Protects the structure of your home from damages caused by fire, storms, theft, and more.

Personal Property

Covers the contents of your home, including electronics, clothing, furniture, and other belongings.

Liability Protection

Helps with legal or medical expenses if someone is injured on your property or if you accidentally damage someone else’s.

85%

Over 85% of U.S. homeowners carry homeowners insurance to protect against major financial loss.


Source: U.S. Census Bureau

$1,428

The average annual homeowners insurance premium in Texas is $1,428—higher than the national average.


Source: National Association of Insurance Commissioners (NAIC)

1 in 20

Roughly 1 in 20 insured homes files a claim each year.


Source: Insurance Information Institute (III)

What Fort Worth Homeowners Ask Us Most

Homeowners Insurance FAQs

Here’s what you need to know to protect your home with confidence:

  • Do I need homeowners insurance if I’ve paid off my mortgage?

    It’s not legally required, but we highly recommend keeping coverage. Without it, you're financially responsible for damages or liability from events like fire, storms, or accidents.

  • What’s not included in a standard policy?

    Most standard homeowners policies don’t cover flood or earthquake damage. You’ll need to add separate policies or endorsements for those types of coverage.

  • Is my personal property covered outside the home?

    Yes—most policies include off-premises protection for belongings, such as items stolen from your car or while traveling. Limits may apply, so ask us about full coverage.

  • Does renters insurance cover my roommates’ belongings?

    No—each person needs their own renters policy. We recommend everyone in a shared space carry individual coverage for their personal belongings.

  • How can I lower my homeowners insurance premium?

    Bundling with auto insurance, installing safety devices, increasing your deductible, and maintaining a good credit score are all ways to reduce your premium. We’ll walk you through the best options.