Home Insurance
in Texas
Bunkley Insurance Group provides home insurance coverage for homeowners across Texas, based right here in Austin.
Your home is likely your biggest investment, and the right policy should protect more than just the walls. We help Texas homeowners build coverage around what actually matters — the structure, your belongings, and the unexpected costs that come with a covered loss.
Texas Proud.
Real People.
Protection.
Protection
Structures
Property
Liability
Medical
Living Expenses
What Our Home Policies Can Cover
Core protections designed to help protect your home, belongings, family, and finances.
Dwelling Protection
Covers your home's physical structure and things built into it, such as an attached garage, deck, cabinets, and flooring. We help estimate replacement cost using Verisk 360Value.
Other Structures
Covers qualifying structures not directly attached to your home, such as sheds or detached garages.
Personal Property Protection
Covers qualifying belongings if they're stolen or damaged by a covered incident, subject to policy terms.
Family Liability Protection
Helps protect you when you're responsible for someone else's injuries or damage to their property.
Guest Medical Protection
Helps pay qualifying medical expenses when someone is injured at your home, subject to policy terms.
Additional Living Expenses
Helps pay increased living costs if a covered event makes your home temporarily uninhabitable.
Where We Go Further
Additional protection options that can make a meaningful difference when you need to use your policy.
Full Roof Replacement Coverage Regardless of Roof Age
Our available home policies can provide full replacement coverage for qualifying roofs regardless of age. Many competitor policies instead use depreciated actual cash value coverage, which can pay less as a roof ages. Coverage terms and eligibility vary by policy and property.
Water, Sewer & Electric Line Coverage
We can cover qualifying water, sewer, and electric service lines leading to your home. If a covered line ruptures, leaks, or breaks and the repair is your responsibility, this coverage can help with the cost.
Buying a Home? We Make Closing Simple
We're loan closing specialists — here's what that means for you.
We Work Directly With Your Lender
As loan closing specialists, we coordinate directly with your lender to help make sure your closing goes smoothly, without surprises on the insurance side.
Understanding Escrow
Most home insurance today is escrowed. We send an invoice to your lender that you'll pay at closing along with your other closing costs. From there, your lender escrows a little each month to cover next year's premium.
If an Inspection Turns Up Issues
Inspectors commonly flag things like trees touching the roof, chipped paint, or damaged soffits, fascia boards, or siding. If issues are identified, we work with you to give you time to make qualifying repairs while helping keep your closing on track, subject to policy terms and underwriting requirements.
Be Ready to Bundle
Bundling home and auto insurance can save you more than 30% in many cases. Beyond the savings, a lower insurance payment can improve your debt-to-income ratio, which can be important when qualifying for a home loan.
Hi, I'm Richard Bunkley
I'm an exclusive insurance agent based in Austin, helping Texas homeowners find the right coverage for their home, family, and future.
My goal is simple: make insurance easier to understand and help you feel confident about the protection you choose.
Optional Add-Ons
Additional protection options may be available depending on your home and policy.
Water Backup Coverage
Protects qualifying property from accidental water damage caused by sewer or drain backups or sump pump overflow.
Building Codes Coverage
Helps cover added costs to repair or rebuild your home when updated local ordinance laws must be enforced, subject to policy terms.
Claim Forgiveness
Can help protect against a rate increase following a qualifying claim, depending on the policy and eligibility.
Extended Replacement Cost
Additional dwelling protection may be available above the estimated replacement cost, subject to policy terms and eligibility.
Bundle & Save
Combining eligible home and auto coverage can be one of the best ways to reduce your overall insurance costs.
You Can Save More Than 30% in Many Cases
Bundling your home and auto insurance can provide significant savings in many situations. We'll help you compare your options and choose coverage that makes sense for your home, vehicle, and budget.
Home Insurance Questions
Straightforward answers to common questions Texas homeowners ask about home insurance.