What Does Homeowners Insurance Cover In Texas? 
A homeowners policy will cover the home and contents in the even of damage due to wind , fire , hail , smoke , etc. . It does not cover wear and tear and breakdown of your appliances . Nor does it cover plumbing and/or electrical wiring . Water damage is covered at an additional cost depending on what type of policy you have . Its always best to consult your agent on the specifics of your policy . 