Owning a home in Austin—or nearby cities like Pflugerville, Leander, or Buda—is a major investment. But between rising property values and unpredictable Texas weather, it’s more important than ever to make sure your home insurance policy keeps up.

Here are five smart questions to ask your insurance agent—and how Castle Insurance Services can help make sure the answers work in your favor.

1. Is My Home Insured for Its Current Replacement Cost?

Many policies are based on outdated estimates. With construction costs rising across Central Texas, being underinsured is more common than you think. Ask your agent if your coverage reflects today’s rebuild costs—not just your home’s market value.

2. Am I Covered for Flood or Sewer Backup?

Standard home insurance policies often exclude flood damage—and that includes flash floods, which aren’t uncommon around Austin. Sewer and drain backups can also lead to expensive repairs. Make sure these risks are addressed with optional endorsements.

3. How Does My Deductible Work in Case of a Storm?

In Texas, you may have a separate wind or hail deductible that’s different (and often higher) than your standard deductible. Knowing this ahead of time can help you avoid surprises after a severe storm.

4. What Personal Belongings Are (and Aren’t) Covered?

From electronics to jewelry, not everything is automatically protected under a basic policy. If you own valuable items, ask about adding scheduled personal property coverage so you’re not left in the lurch after a theft or disaster.

5. Will I Have Enough Temporary Living Coverage if I’m Displaced?

If a fire, flood, or major storm makes your home unlivable, will your insurance cover hotel stays, food, or rentals during repairs? Make sure your “loss of use” coverage limits are high enough to reflect Austin’s real-world living costs.

Don’t Just Guess—Ask

The best policies are the ones tailored to your life—not just pulled off a shelf. At Castle Insurance Services, we take the time to review your needs and walk you through your options. Whether you’re in downtown Austin or a quiet Hill Country neighborhood, we’ve got you covered.

Let’s review your current policy and make sure you’re protected where it counts.