Insurance
Protecting the Roof Over Your Family's Head.
Coverage explained clearly: what your lender requires, what you actually need, and how to avoid paying for too much or too little.
Required vs. needed
What lenders require isn't always enough.
What your lender requires
- · Dwelling coverage at least equal to the loan amount
- · Lender listed as mortgagee
- · Proof of coverage before closing
What your family may need
HO-3 policy
The most common homeowners policy. Covers your home's structure and your belongings against many risks.
Wind & hail
Texas storms are real. Check your deductible, which is often a percentage of your home's value.
Flood
Standard policies don't cover flooding. Even outside high-risk zones, it's worth a conversation.
How escrow works
One payment. Everything handled.
Your monthly payment
Includes a portion for taxes and insurance.
Escrow account
Your lender sets that portion aside each month.
Bills paid on time
Your lender pays your insurance and property taxes when due.
Save smarter
Bundle, compare, and review every year.
Bundle home & auto
Combining policies with one carrier often unlocks a discount.
Shop your rate
We compare options so you get the right coverage at a fair price.
Review annually
Home values and rebuild costs change. Your coverage should keep up.
Let's talk
Request a free policy review.
Have your declarations page handy (the summary page of your current policy). We'll review it and point out gaps or savings.
Phone: (210) 000-0000 (placeholder)
Email: hello@royalmortgage.example (placeholder)
San Antonio, Texas