Your home isn’t just your biggest investment — it’s where your family grows, your memories live, and your future is built.
At Eastman Insurance Solutions (EIS Texas), we believe protecting your home means more than checking a box. It’s about personalized coverage, proactive guidance, and a long-term partnership that truly safeguards what matters most.
Whether you live in Garland, Rockwall, Dallas–Fort Worth, or anywhere in Texas, our independent agency helps homeowners like you secure comprehensive, high-value protection — combining trusted carriers, fair pricing, and family-centered service.
Who We Serve
Our homeowners insurance solutions are designed for:
- Established homeowners with significant assets or multiple properties
- High-net-worth individuals and families seeking elevated protection
- Homeowners with custom, historic, or luxury homes requiring tailored replacement cost evaluations
- Clients with secondary residences or vacation homes across Texas and beyond
- Professionals and business owners integrating personal and commercial coverage
At EIS Texas, we work with top-rated carriers like Chubb, Travelers, Nationwide, Safeco, and The Hartford to deliver protection that grows with your lifestyle — not just your property value.
Why Homeowners Insurance Matters More Than Ever
In Texas, weather events, rising repair costs, and property claim inflation have made having the right coverage — not just any coverage — essential.
A properly structured homeowners insurance policy provides protection for:
- Your home (dwelling) and attached structures
- Detached structures like garages, sheds, and fences
- Personal belongings such as furniture, electronics, and clothing
- Additional living expenses if your home becomes uninhabitable
- Personal liability if someone is injured or their property is damaged
- Medical payments for guests injured on your property
At EIS, we go Beyond the Coverage™ by helping you understand your policy’s fine print — ensuring you’re never underinsured when it matters most.
Common Homeowners Insurance Coverages Explained
Dwelling Coverage
Covers the cost to rebuild or repair your home after a covered loss. We conduct a replacement cost analysis to make sure your home is insured for its true rebuild value — not just its market value.
Other Structures
Protects fences, detached garages, and driveways — typically 10% of your dwelling limit but adjustable to match your property’s value.
Personal Property
Covers your possessions — from clothing and electronics to furniture and appliances. We also help you schedule high-value items like jewelry, artwork, or firearms.
Loss of Use (Additional Living Expenses)
Covers the cost of temporary housing, meals, and transportation while your home is being repaired after a covered loss.
Personal Liability
Provides protection if someone is injured on your property or you’re held responsible for damages elsewhere. We often recommend pairing this with a Personal Umbrella Policy for extended protection.
Medical Payments to Others
Covers small medical expenses for guests injured on your property — regardless of fault.
Specialized Coverage Options
Every home and homeowner is unique — and your coverage should reflect that.
We offer custom enhancements including:
- Water backup & sump overflow protection
- Extended replacement cost for full rebuild coverage
- High-value home programs for luxury or custom properties
- Vacation home and secondary residence insurance
- Specialty dwelling policies for rental or unoccupied properties
Our team ensures every coverage decision supports your broader risk management strategy — not just your address.
The EIS Leadership Advantage
At EIS Texas, our clients aren’t transactions — they’re partners.
Through our Beyond the Coverage™ Partnership, you’ll experience:
- Annual coverage reviews to adjust for market changes
- Claims advocacy and guidance during stressful times
- Integration of personal and business coverage for complete protection
- Faith- and family-driven service centered on integrity and honor
Our mission is simple: to protect your home, your family, and your legacy — with excellence and empathy.
Get Started – Schedule a Risk Consultation
Every home deserves coverage designed for its owner — not a cookie-cutter policy.
Let’s review your current homeowners policy and explore smarter, more personalized protection.
Or call our Texas office today — we’ll make the process simple, honest, and efficient.
FAQ – Homeowners Insurance in Texas
Does homeowners insurance cover storms or hail damage in Texas?
Yes — most policies cover wind, hail, and storm-related damage, but limits and deductibles vary. We ensure you’re fully covered against Texas weather risks.
Can I insure a rental or vacant home under homeowners insurance?
No. These require a specialty dwelling policy, which we also provide to protect rental or unoccupied properties.
How much homeowners insurance do I need?
We recommend insuring your home for full replacement cost, not market value, to ensure complete rebuilding coverage after a loss.
Does homeowners insurance include liability protection?
Yes — it covers injuries or property damage you’re legally responsible for. We often recommend adding an Umbrella Policy for additional protection.