Dwelling
The structure itself, rebuilt to current code.
Helping Texans protect what matters most with personalized homeowners-insurance solutions — from a licensed agent who answers the phone.
We are not a lead marketplace. Fill out this form and one agency calls you — ours. We never sell or share your details with other agents.
Takes about two minutes. No obligation, no cost.
Thanks — your request is with our office. We'll reach out to go over your property, your current coverage, and where the gaps are.
Need us sooner? (281) 304-8991
What drives your rate
Knowing these before you shop is the difference between comparing quotes and comparing coverage.
Many carriers price roofs over 15 to 20 years old differently, and some restrict coverage entirely. If your roof is newer than your policy, that may be worth money to you.
Both yours and the home's. Claims follow the property, so a house you bought two years ago can still carry the previous owner's hail claim.
Insuring to what the home would cost to rebuild — not what it would sell for — is what closes the gap people discover after a loss, not before.
What a policy covers
The structure itself, rebuilt to current code.
What's inside, at replacement cost where available.
Often a separate percentage deductible in Texas.
If someone is hurt on your property.
Somewhere to live while repairs happen.
Not included in a standard policy. Ask us.
Who you'll be working with
Randall L. Knight Insurance Agency serves homeowners across Texas from our office in Cypress. We place coverage with more than one carrier, so we can look at where your home actually fits instead of forcing it into a single company's box. When you request a quote here, it comes to our team — not to a network of agents who will call you for the next three weeks.
We'll talk through your property, your current coverage, and where the gaps are. If we aren't the right fit, we'll tell you that too.
Two minutes now, and you'll know where your current policy stands.
Request your quote