Home Insurance

For Individuals and Families in  TX, CA, OK, AR, TN and AZ
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Protect Your Home. Preserve Your Peace of Mind.

Your home is more than a place—it’s your investment, your refuge, and your legacy. At Affluence Insurance Services, we help homeowners secure tailored protection against life’s unexpected events. Whether it’s weather damage, theft, or liability concerns, we build policies that work hard to keep your most valuable asset safe.

What's Covered

A standard homeowners insurance policy typically includes:

  • Dwelling Coverage

    Protection for your home’s structure in case of fire, storms, or other covered disasters.

  • Other Structures

    Covers detached structures like garages, fences, and sheds.

  • Personal Property

    Insures your belongings from damage or theft—both at home and, often, while traveling.

  • Loss of Use / Additional Living Expenses

    Helps pay for temporary housing if your home becomes uninhabitable due to a covered event.

  • Liability Coverage

    Provides protection if someone is injured on your property or if you accidentally cause damage to others.

  • Medical Payments

    Covers minor medical bills for guests injured on your property, regardless of fault.

Insure with Affluence

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PLocal Knowledge, Broad Protection

From storm-prone Texas to earthquake zones in California, we understand regional risks and how to guard against them.

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Tailored Policies for Every Type of Home

Whether you own a single-family home, townhome, or secondary property, we’ll craft a plan to match.

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Multi-Policy Discounts

Maximize value when you bundle home with auto, umbrella, or valuable possessions coverage.

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Trusted Carriers

We partner with top insurance companies to bring you dependable coverage and claims service.

Frequently Asked Questions

  • Is home insurance required?

    While not legally required, mortgage lenders typically mandate homeowners insurance. Even if you’ve paid off your home, coverage is crucial for financial protection.

  • What doesn’t a standard policy cover?

    Common exclusions include floods, earthquakes, and normal wear and tear. We’ll help you evaluate and add any necessary riders for full protection.

  • How is replacement cost different from actual cash value?

    Replacement cost pays to rebuild or replace items without deducting for depreciation. Actual cash value factors in depreciation. We help you choose what works best for your needs and budget.

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Get a Quote

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Make Sure Your Home Is Truly Covered

Get a homeowners policy that understands your needs and protects everything you’ve built. Start with a free quote from Affluence Insurance Services today.