Home Insurance · Houston, TX
YOUR HOME IS YOUR BIGGEST ASSET. LET'S MAKE SURE IT'S PROTECTED.
Whether you own a house or a condo, or you rent, I'll help you understand what your policy covers and where the gaps are, before you ever need to file a claim.
Coverage overview
What Home Insurance Covers
Every home is different. I'll help you choose the coverage that fits, without paying for what you don't need.
Your Home's Structure
The house itself: walls, roof, floors, and built-in systems like your plumbing, electrical, and A/C.
Personal Belongings
Your furniture, clothes, electronics, and other belongings, whether they're at home or out with you.
Personal Liability
Covers you if someone gets hurt on your property or you accidentally damage someone else's property.
Temporary Housing
Helps pay for a hotel or rental plus extra living costs if a covered loss makes your home unlivable.
Other Structures
Detached garages, fences, sheds, and other buildings on your property that aren't part of the house.
Condo and Renters
Condo coverage protects the inside of the unit. Renters coverage protects your things and liability.
Who It's For
First-time buyers closing on a house.
Homeowners who haven't reviewed their policy since they bought.
Condo and townhome owners who need the inside of the unit covered.
Renters who want their belongings and liability protected.
Good To Know
Standard homeowners policies do not cover flood damage. Flood insurance is a separate policy.
A new National Flood Insurance Program policy generally takes 30 days to go into effect, so it's worth setting up before storm season.
Source: FEMA, FloodSmart.gov
How It Works
Step 1
Tell Me About Your Home.
Share your address, the year it was built, the age of the roof, and your current policy, if any.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
How do I know if I'm underinsured?
Many people set their coverage at the purchase price or the mortgage amount, not what it would cost to rebuild today. I'll compare your dwelling limit to current rebuild costs and show you where you stand.
Does home insurance cover flooding?
No. Standard homeowners policies don't cover flood damage. Flood is a separate policy, and I can quote it at the same time as your home.
What does it mean that you shop multiple carriers?
I'm an independent agent, so I'm not tied to one company. I compare options from several carriers and walk you through what each one covers, not just the price.
How quickly can I get covered?
It depends on the home and the carrier. Once I have your details, I'll give you a clear timeline up front.
Do you insure condos and rentals?
Yes. I write condo, townhome, and renters coverage. If you rent your home out to others, ask me about landlord coverage instead.
OFTEN PAIRED WITH
Every home is different. I'll help you choose the coverage that fits, without paying for what you don't need.
Flood Insurance
Standard home policies leave flood out. This fills that gap.
Umbrella Insurance
Extra liability protection above your home and auto, starting at $1 million.
Auto Insurance
Many carriers offer a discount when you bundle home and auto.
TALK TO KEVIN
Questions About Your Home Insurance?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
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Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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