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Homeowners & Renters Coverage
Home Insurance
Protect the place your family calls home.
Your home is more than an address — it’s where your family’s story unfolds. From Gulf Coast storms to burst pipes, Dolphin Home Insurance gives you the confidence to weather anything the Texas coast throws your way.
Dwelling Coverage
Pays to repair or rebuild the structure of your home after covered events like fire, wind, or hail.
Liability Protection
Protects you if someone is injured on your property and files a claim or lawsuit against you.
Additional Living Expenses
Covers hotel stays and meals if your home becomes uninhabitable after a covered loss.
Personal Property
Covers furniture, appliances, clothing, and electronics inside your home — at home or away.
Medical Payments
Pays for minor injuries to guests regardless of fault — keeping small incidents from becoming big disputes.
Other Structures
Extends to fences, detached garages, sheds, and guest houses on your land or property.
Hurricane-Ready Policies
Tailored for the Texas Gulf Coast, where wind and storm surge are a real seasonal reality.
Local Contractor Network
We connect you with vetted South Texas contractors who know the region’s building codes.
Fast Claims
Most claims are assigned to an adjuster within 24 hours, with settlements in days not months.
Does home insurance cover flooding?
Standard home insurance does not cover flooding. You’ll need a separate flood policy — we can bundle both for you.
Is TWIA included?
TWIA (windstorm) coverage is separate from home insurance in Texas coastal counties. Ask about bundling both.
Can I insure a rental property?
Yes — we offer landlord and rental property policies in addition to standard homeowners coverage.
Our Aransas Pass team is available Monday–Saturday, 9am–5pm.
After-hours emergency claims support is available 24/7.