Texas New Construction Homeowners & Flood Insurance – Statewide Preferred Coverage
120+
Carriers
Same-Day Quotes
Escrow-Ready Docs
Bilingual Service
A-Rated Carriers
Why Choose TruvaLink
Insurance Agency?
- We shop 120+ A-rated and specialty insurance carriers to find the right fit for your home—anywhere in Florida or Texas.
- Same-day quotes and fast document turnaround, including escrow-ready and lender documents.
- Bilingual guidance (English & Spanish) from quote to bind to service.
- Premium financing available to spread out payments and reduce up-front costs.
- Instant issue bonds and bundled coverage options for extra savings and convenience.
Coverage Details & Flood Insurance Options
Flood insurance is available for all properties in Texas, with fast quotes and options from both the National Flood Insurance Program (NFIP) and private markets.
Flood Insurance
(NFIP and Private)
Protects against storm surge, coastal flooding, hurricane-driven rainfall, and rising water—all major risks in Florida’s coastal and wind zones where standard policies do not apply.
Homeowners
Insurance (HO3)
Covers dwelling, belongings, and liability—built to handle wind, hurricanes, and severe storms.
Condo
Insurance (HO6)
Protects interiors and personal property—especially important for coastal and high-rise units exposed to wind and surge.
Landlord
Insurance
Covers rental homes and liability in hurricane- and wind-prone regions.
Renters
Insurance
Provides personal property and liability protection, even during storm-related events.
Umbrella
Insurance
Adds liability coverage that can apply to storm damage claims.
Coverage Types
- New Construction & Builder-Close – Protection for homes under or nearing completion.
- Homeowners & Condo – Covers property, personal items, and liability.
- Landlord & Umbrella – Flexible options for property owners and investors.
- Flood (NFIP & Private) – Protection from flash floods, heavy rain, and rising water.
Eligibility
Available for new and existing properties statewide, with escrow-ready options for builders and homeowners in designated flood zones.
Why Flood Insurance Matters
Texas often experiences flooding from heavy rain, flash floods, and tropical storms — even far from the coast. Since standard homeowners policies don’t cover flood damage, having a flood policy ensures financial protection and peace of mind. Coverage is available even outside high-risk zones, but waiting periods may apply, so it’s best to get insured before storm season.
How It Works
The Simple 3-Step Process
Step 2
We shop the market and present you with the best-fit coverage options (including flood, if needed).

- Request your quote online or by phone.
- We shop the market and present you with the best-fit coverage options (including flood, if needed).
- Choose your coverage and receive your documents—often the same day, ready for your lender or closing.
Frequently Asked Questions
New construction policies often use “builder-close” or “new build” endorsements. Insurers may require proof of the builder’s coverage during construction, documentation of escrow, and details on wind/hail deductibles. Premiums are sometimes lower due to newer materials and building codes, but homes in high-risk wind or coastal counties may still face higher deductibles or mandatory windstorm coverage through TWIA.
A wind/hail deductible is the amount you pay out of pocket if your home is damaged specifically by windstorms, hurricanes, or hail. Instead of a flat dollar amount, it’s usually a percentage of your home’s insured value—for example, 1% to 5%. In Texas coastal and storm-prone areas, these deductibles tend to be higher and may apply separately from your standard homeowner’s deductible.
Texas experiences frequent hurricanes, tropical storms, and flash flooding—especially along the Gulf Coast and in low-lying counties. Standard homeowners insurance does not cover flood damage. Without NFIP or private flood insurance, homeowners must pay out of pocket for flood-related repairs, which can easily reach tens of thousands of dollars even outside FEMA flood zones.
Yes. Most agencies that handle new construction policies coordinate directly with builders and lenders anywhere in Texas. They can provide certificates of insurance, meet escrow requirements, and ensure wind/hail deductibles and coverage limits align with lender guidelines—whether the home is in Dallas, Houston, Austin, San Antonio, or coastal regions.
What Our Clients Say
"Yan shopped my primary home in Texas and saved me about $480/year, then helped me bundle my auto for an extra discount. He also set up landlord policies for my two rental units in Florida and cut about $200/year there. (I didn't even know that I needed landlords insurance!) Clear options, quick communication, and everything handled fast. Highly recommend Yan @TruvaLink Insurance"
-Kevin C.
"I’ve known Yan Hernandez for several years, and he has absolutely earned my trust. As a property manager, it is essential for me to have reliable partners I can count on, not just for myself but for my clients. Yan has become my go-to insurance professional because he consistently delivers outstanding service."
-Ashley M.
"TruvaLink Insurance Agency made switching my policies easy and stress-free. Yan reviewed my coverage needs across home, auto, and an umbrella policy, explained my options in plain language, and found better coverage at a lower price. Yan handled the details, kept me updated the whole time, and coordinated everything quickly."
-David A.
What Our Clients Say
Yan shopped my primary home in Texas and saved me about $480/year, then helped me bundle my auto for an extra discount. He also set up landlord policies for my two rental units in Florida and cut about $200/year there. (I didn't even know that I needed landlords insurance!) Clear options, quick communication, and everything handled fast. Highly recommend Yan @TruvaLink Insurance
-Kevin C.
I’ve known Yan Hernandez for several years, and he has absolutely earned my trust. As a property manager, it is essential for me to have reliable partners I can count on, not just for myself but for my clients. Yan has become my go-to insurance professional because he consistently delivers outstanding service.
-Ashley M.
-T.M. (Galveston, TX)
TruvaLink Insurance Agency made switching my policies easy and stress-free. Yan reviewed my coverage needs across home, auto, and an umbrella policy, explained my options in plain language, and found better coverage at a lower price. Yan handled the details, kept me updated the whole time, and coordinated everything quickly.
-David A.
Get A Quote Today!
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