Home Insurance in East Texas

The right coverage for the place you call home.

Whether you’re on a few acres outside Frankston or living lakeside near Palestine, your home deserves protection that fits where you live—and how you live. We’re here to help you feel confident in your coverage, not confused by fine print. With policies built for the way East Texans live, Tatum Insurance Group makes home insurance straightforward, local, and personal.

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Built for Texas Homes.

Tailored to You.

Living in Texas means dealing with hailstorms, heavy rain, and high winds—and insurance policies here reflect that. We’ll walk you through wind and hail deductibles, help you decide if flood insurance is right for you (especially near Lake Palestine), and explain optional add-ons like equipment breakdown, water backup, or coverage for outbuildings. If you’ve got a farmhouse or rural property, we can look at farm-related options too.

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The Protection Behind Every Front Door

Home insurance policies cover more than just the walls—they protect the life inside. We take time to tailor coverage so you’re not paying for what you don’t need and not missing what you do. Whether you're buying your first home or reviewing an old policy, we’ll explain every part in plain English.

Dwelling Coverage

Protects the structure of your home against fire, storms, and more.

Personal Property

Covers what’s inside: furniture, clothing, electronics, and more.

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Liability Protection

Helps cover costs if someone is injured on your property.

Loss of Use

Pays for hotel stays and extra living costs if your home is unlivable after a covered loss.

Got questions about home insurance in Texas?

  • How much is homeowners insurance in East Texas?

    It depends on your home's value, location, and coverage needs—but we can usually provide a personalized quote within a day.

  • Does home insurance include flood coverage?

    No—flood insurance is a separate policy, and we’ll help you determine if it’s needed based on where you live.

  • What’s the difference between dwelling and personal property coverage?

    Dwelling covers the physical structure of your home. Personal property covers the stuff inside—furniture, clothes, appliances, and more.

  • Can I switch home insurance if I already have a mortgage?

    Yes! You can change policies anytime. We’ll help make sure the transition goes smoothly with your lender.