Homeowner’s insurance covers damage to your property as well as your legal responsibility for injuries and property damage that you or members of your household cause to other people. If anything disastrous should happen, you want an insurance policy broad enough to help repair, replace or rebuild your home as it was before. The truth is that not all insurance policies provide adequate protection.

Read about the key coverage gaps in homeowner’s insurance

  • Learn about money-saving discounts available on homeowner’s and auto insurance.
  • HUB International will identify your risks and coverage gaps and help you tailor a policy that meets your needs.
  • Learn if your home is in a high risk area from one of the top high risk homeowner's insurance companies.

Standard homeowner’s insurance includes coverage for:

  • Structure of your home - pays to repair or rebuild your home if it is damaged or destroyed by fire or other disaster listed in your policy
  • Personal belongings - covers furniture, clothes, and other personal items that are stolen or destroyed by an insured disaster
  • Liability protection - covers you and your household against lawsuits for bodily injury or property damage
  • Additional living expenses - covers hotel bills, meals and related expenses in the event you are temporarily unable to live in your home due to an insured disaster

Connect with a HUB Personal Insurance expert for your custom solution.

Related Coverages

High Risk Homes

If you live in certain parts of the country more likely to be affected by natural disasters, you will probably pay more for your homeowner’s insurance.

HUB experts create comprehensive high risk home insurance policies for homeowners in locations considered to be at a higher risk of expsoure to natural disasters such as:

  • High winds due to hurricane or tornado
  • Floods or rising water
  • Earthquakes
  • Brush fires
  • Low or no level of fire protection available in local area

There are other factors that classify a home being high risk. If you file multiple claims within a year or two, you could be considered high risk by insurance carriers. HUB can provide ongoing support, discuss your issues and assist in resolving claims and managing risk.

HUB offers a wide range of insurance options including RISC Home Select, a proprietary homeowner’s insurance product designed specifically for those who live in high risk areas. RISC Home Select provides peace of mind by providing hard to find coverage in areas that have a high risk of catastrophic events to homeowners that:

  • Own property with a market value in excess of $250,000, and
  • Insure each property up to its full value specified in the policy, or replacement cash value at the time of loss.

Connect with a HUB high risk homeowner's insurance specialist to tailor a plan to your specific needs. 



"The service after my recent accident could NOT have been better.  Karen Eaker was, as always, right on top of things and took great care of us.  I am SO happy that we became HUB clients one year ago.  She has helped me in so many ways, including getting the whole WPI 8 windstorm issue solved.  It turns out we had been paying an additional $500 annual premium for the past 8 years, which my previous agent never pointed out to me, much less help me wade through the field of land mines to get the problem addressed!  I would readily recommend HUB to any of my friends.  Even better, when I count my blessings I count Karen Eaker!" - J. Coe - Dallas, TX

“Due to a recent job-related relocation, I was in the market looking for insurance for the home we purchased in Houston. My realtor recommended I contact Carrie Ousley of HUB International. In the course of developing the insurance package for our Houston home, it became clear that HUB had a broad offering of insurance products and could write policies in many states. This allowed me to embark on a process of consolidating my insurance needs under one secure roof and dramatically simplifying my situation. HUB was able to provide homeowner’s insurance for my principal residence in Houston, as well as additional properties in two other states. In addition, they provided Auto, Flood, Earthquake, Valuable Items, and Liability insurance.

HUB simplified a complicated situation at a superior price, and did so in an expedient and highly professional manner. They were even willing to personalize their offering to land my business. I am very pleased with the service and the products and highly recommend HUB to others.” – R. Barnard – Houston, TX

“I want to say that you have an incredible staff. I have had my insurance with PLI/HUB for probably 15 years and have always been completely satisfied with the prompt and courteous customer service. I have filed very few claims in my lifetime but this year we filed two - one auto and one homeowners. Karen Kay walked me thru each incident, providing me with whatever information I needed. Quite honestly, I feel like she is more like a friend than an agent.” – L. Monks – Austin, TX

“We want to take the time to thank you for the advice and direction you gave us regarding our main residence in Houston when we purchased our weekend house in Galveston. It never dawned on us that our main residence would be devastated by a house fire caused by faulty electrical wiring. However, at midnight on March 25th, 2011 we were awakened at our home in Galveston with the news that our house in Houston was on fire. I called and you met us in the middle of the night. You had us covered with the proper insurance coverage and with the right insurance company, Fireman’s Fund. They assured us that everything would be covered and not to worry. They have been great! Thanks to you we were directed to the right insurance company and coverage. We never thought of or planned on what to do in the event of a house fire. We are forever thankful for your foresight.” - C. Freeman - Houston, TX


  • Home Improvement Checklist: Seek the guidance of an insurance professional or attorney before embarking on significant home improvement projects. Read these tips from HUB before you get started.
  • Disaster Preparedness Checklist: Disaster can strike when you least expect it. Review HUB’s Disaster Preparedness Checklist to ensure you and your family are ready for such circumstances.
  • Wildfire Preparedness Checklist: Few events are more terrifying than a wildfire threatening your home and the safety of your family. Use this checklist to learn the precautions to take now to ensure that you can evacuate your family safely, when needed.
  • Earthquake Safety Checklist: Learn how proper planning and preparation can reduce the risk of property damage and personal injury.
  • Hurricane Safety Checklist: Use this checklist to help prepare your home and family for a hurricane and ensure you have the right insurance coverage
  • Guide to Protecting your Jewelry: Learn why your homeowner’s policy may not provide the protection you need and what you can do about it
  • Guide to Protecting Your Wine Collection: Learn how to protect your valued wine collection with the right insurance as well as a review of the risks you face with regard to storage and shipping.
  • Guide to Protecting Your Fine Arts Collection: Steps you can take to properly care for and prevent damage to your fine arts collection.