Expert Protection for Your Home and Everything In It.

Your home is your greatest asset. In Texas, New Mexico, and Oklahoma, you need coverage built for severe weather, costly hail, and unexpected disaster. The JC Insurance Collective provides personalized, dependable Homeowners Insurance that delivers confidence, not confusion.

Coverage That Stands Up to the Southwest's Biggest Risks.

Finding reliable and affordable Homeowners Insurance in the Southwest is more challenging than ever. Rates are rising due to increased severe weather (especially hail and winter storms), making it essential to have a service-focused expert in your corner.

Our team, grounded in Jeff Click’s hospitality commitment, is here to serve you by:

Customizing for Volatile Weather: We know that wind and hail damage are the most common and costly claims in this region. We ensure your policy is correctly structured to withstand these major risks.

Preventing Underinsurance: The cost to rebuild is skyrocketing. We work hard to ensure your dwelling coverage accurately reflects today's high material and labor costs.

Simple, Clear Service: No complicated policy breakdowns. We explain exactly what your coverage does, what it excludes, and what valuable endorsements you may need.

Understanding Your Core Homeowners Coverage

The most common form of Homeowners Insurance is the HO-3 Special Form, which offers broad coverage for your home's structure against all perils except those specifically excluded (like flood or earthquake). A reliable policy includes six critical coverages:

  • Dwelling: Covers the structure of your home (the walls, roof, foundation, and attached garage).

  • Other Structures: Covers unattached structures on your property, like a shed, fence, or detached garage.

  • Personal Property: Covers your belongings (furniture, clothing, electronics) even when they are stolen or damaged away from home.

  • Loss of Use (Additional Living Expenses): Pays for temporary housing, food, and other costs if a covered event makes your home uninhabitable.

  • Personal Liability: Protects you financially if you are responsible for injury or property damage to someone else on or off your property (e.g., a visitor slips on your icy steps).

  • Medical Payments: Covers medical expenses for minor injuries to guests on your property, regardless of fault.

Essential Endorsements for the Region

While standard Homeowners Insurance is comprehensive, living in Texas, New Mexico, or Oklahoma often requires specialized protection. We'll advise you on necessary endorsements, such as:

  • Water Backup Coverage: For damage from backed-up sewers or drains—a major concern after heavy rainfall or sudden pipe failure.

  • Flood Insurance: Standard policies never cover rising water from floods. We can help you secure a separate policy through the National Flood Insurance Program (NFIP).

  • Higher Limits for Valuables: Additional coverage for high-value items like jewelry, art, or specialized equipment.

Ready to protect your home with an agency built on service and trust? Let the JC Insurance Collective find the right Homeowners Insurance to secure your future.