Homes · Lake houses · Canyon Lake · Comal County
Canyon Lake Home Insurance in Texas
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that shops home insurance for Hill Country owners, mostly our business clients, their families, and referrals. We compare hail and wind/hail deductibles, wildfire and fire coverage, and dwelling limits across multiple carriers. Flood is a separate policy, and we quote that too.
Text 830-305-4080 with the address and your current declarations page.
Hail and the wind/hail deductible
In Comal County, wind and hail coverage sits in your homeowners policy, not in a separate TWIA policy. That's why the wind/hail deductible matters so much here.
In Texas, a percentage wind/hail deductible is figured on your home's insured value, not on the size of the claim. The Office of Public Insurance Counsel's example: on a home insured for $200,000, a 1% deductible means you pay the first $2,000 of a covered hail claim, and a 3% deductible means $6,000. With a 5% deductible and a $7,000 hail loss, you'd pay the whole $7,000.
What to check on your declarations page
- Whether your wind/hail deductible is a flat dollar amount or a percentage, and how much
- Whether "all other perils" has its own deductible
- How your roof is settled after a claim. Ask; it varies by company.
Contractors offering to "cover your deductible"
OPIC says it's illegal for a contractor to waive your deductible without the insurer's consent.
Wildfire and Hill Country homes
The Texas Department of Insurance says a homeowners policy pays to repair or replace a home damaged by fire, including smoke and explosion damage, up to your limits after the deductible. If you can't live there during repairs, your policy may pay for a hotel or rental, subject to limits.
TDI points owners to the Texas A&M Forest Service's Texas Wildfire Risk Assessment Portal to check the risk for an address. During a burn ban, the Corps' Canyon Lake page points to the Comal County Fire Marshal for current rules.
Does TWIA cover Canyon Lake or Comal County?
No. The Texas Windstorm Insurance Association only insures property in the 14 first-tier coastal counties and parts of Harris County east of Highway 146. Comal County, including Canyon Lake, is not in that area. Here, wind and hail coverage comes from your homeowners policy, and TWIA never covers flood anywhere.
The 14 counties are Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy. If you also own coastal property, see our coastal property page.
What is the Texas FAIR Plan, and when is it used?
The Texas FAIR Plan Association is the insurer of last resort for homes in Texas. To qualify, you must be declined by at least two insurers writing property in Texas and have no comparable offer. Coverage is more limited than a standard policy, it's sold only through agents, and you must reapply in the regular market every two years.
The FAIR Plan excludes several things a standard policy often covers, such as falling trees, freezing pipes, sewer backup, and sudden discharge of water unless a limited endorsement is added. Since July 1, 2026, its wind/hail deductible options are 2%, 3%, 4% and 5%. We treat it as a last resort, not a recommendation.
You may also see a "FAIR Plan recoupment" surcharge on a regular policy. That doesn't mean you're in the FAIR Plan. The FAQ below explains it.
Flood is a separate policy
Homeowners insurance doesn't cover flood, according to FloodSmart. See flood insurance for Canyon Lake homes.
Lake houses, second homes, and rentals
If it's a lake house or second home, tell us how it's used and how often it sits empty. A house you rent to a long-term tenant needs a dwelling or landlord policy; see the Rental Homes card on our coverage page.
Why is home insurance so expensive in Texas?
There's no single reason. Hail and severe storms, rebuilding costs, roof age and condition, claims history and the deductible you choose all move the price. TDI notes construction costs change, so check your dwelling limit every year so it still matches what it would cost to rebuild.
What to send for a home quote
- The address and your current declarations page
- Roof year and material
- Years of updates to roof, plumbing, electrical and HVAC
- Any claims in the last five years
- Your lender or mortgage company
- Your renewal date, and photos if you just bought the house
Text it to 830-305-4080. We also quote boats and jet skis, Canyon Lake auto insurance and a personal umbrella. In New Braunfels? See New Braunfels home and auto.
Canyon Lake home insurance FAQ
Does homeowners insurance cover hail damage in Texas?
Usually, yes. Hail is normally covered under the wind and hail part of a Texas homeowners policy, after your wind/hail deductible. The Office of Public Insurance Counsel says to check whether that deductible is a flat dollar amount or a percentage of your dwelling limit, because a percentage deductible can be much larger than you expect.
How does a percentage wind/hail deductible work?
In Texas, a percentage wind/hail deductible is figured on your home's insured value, not on the size of the claim. The Office of Public Insurance Counsel's example: on a home insured for $200,000, a 1% deductible means you pay the first $2,000 of a covered hail claim, and a 3% deductible means $6,000.
Does homeowners insurance cover wildfire?
Yes. The Texas Department of Insurance says a homeowners policy pays to repair or replace a home damaged by fire, including smoke and explosion damage, up to your limits after the deductible. If you can't live there during repairs, your policy may pay for a hotel or rental, subject to limits.
Does TWIA cover Canyon Lake or Comal County?
No. The Texas Windstorm Insurance Association only insures property in the 14 first-tier coastal counties and parts of Harris County east of Highway 146. Comal County, including Canyon Lake, is not in that area. Here, wind and hail coverage comes from your homeowners policy, and TWIA never covers flood anywhere.
What is the Texas FAIR Plan?
The Texas FAIR Plan Association is the insurer of last resort for homes in Texas. To qualify, you must be declined by at least two insurers writing property in Texas and have no comparable offer. Coverage is more limited than a standard policy, it's sold only through agents, and you must reapply in the regular market every two years.
What doesn't the Texas FAIR Plan cover?
The Texas FAIR Plan Association lists exclusions including falling trees and objects, collapse, glass breakage, weight of ice or snow, freezing plumbing, mold remediation, sewer and drain backup, and scheduled valuables. Sudden discharge of water or steam isn't covered unless a limited endorsement is added. That's why it's a last resort.
What is the "Texas FAIR Plan assessment" or "recoupment" surcharge on my insurance bill?
It isn't a sign you're in the FAIR Plan. When the Texas FAIR Plan Association runs a deficit, Texas property insurers are assessed to cover it, and each insurer may recoup its share through a uniform surcharge on every property policy it issues in Texas during a three-year window. It applies to home and business property policies alike.
How long will the FAIR Plan surcharge be on my policy?
For the $60.1 million assessment that covered the FAIR Plan's 2024 deficit, insurers may surcharge policies that take effect from December 17, 2025 through December 16, 2028. An earlier $17.6 million assessment can be surcharged on policies effective March 13, 2025 through March 12, 2028. Insurers may stop sooner once they've recouped their share.
Can I avoid the FAIR Plan surcharge by switching insurers?
Not by itself. An insurer that recoups must surcharge every property policy it issues in Texas, not just some, and recouping is optional, so whether a company charges it depends on that company. Shopping can still lower your total premium, so compare the whole bill, not one line. We'll show you each quote's full price.
Does the FAIR Plan surcharge apply to business policies?
Yes for most property policies. The Texas Department of Insurance says farm and ranch, earthquake, wind and hail, and commercial property policies are all subject to recoupment surcharges, and combined commercial policies count as commercial property. Inland marine insurance, such as coverage for contractors' equipment, isn't subject to the surcharge.
Does homeowners insurance cover flood?
No. FloodSmart, the National Flood Insurance Program's site, says homeowners insurance doesn't cover flood damage. Flood needs its own policy through the NFIP or a private flood insurer, and most new NFIP policies take 30 days to start. Check your address on FEMA's flood map and ask us for a flood quote.
How do I check my home's wildfire risk?
Enter your address in the Texas A&M Forest Service's Texas Wildfire Risk Assessment Portal at texaswildfirerisk.com, which the Texas Department of Insurance recommends. It shows wildfire risk around your property. Then check that your dwelling limit would still rebuild the house and that you know your deductible.
Why did my home insurance go up in Texas?
Common reasons are hail and storm losses, higher rebuilding costs, the age and condition of your roof, your claims history, and the deductible you chose. A carrier can also raise rates for a whole area. Send us the renewal and we'll shop it with several carriers and explain the differences in writing.
Who sells home insurance in Canyon Lake?
Allen Jones Insurance Agency is an independent insurance agency in Canyon Lake, Texas that shops home insurance for Hill Country owners, mostly our business clients, their families, and referrals. We compare hail and wind/hail deductibles, wildfire and fire coverage, and dwelling limits across multiple carriers. Flood is a separate policy, and we quote that too.
Get a quote
Text 830-305-4080 with the address and your current declarations page, or request a quote online. Allen follows up personally. A quote request is not a bind.
Allen Jones Insurance Agency · PO Box 1927, Canyon Lake, TX 78133 · ajones@
Licensed in Texas, Florida, Arizona and New Mexico. Coverage is subject to underwriting. General information, not legal advice.