Protect Your Home and Everything Inside
Your home is more than a property — it’s where your life happens.
At Denman & Associates Insurance, we help homeowners across Texas, Colorado, Oklahoma, and Arkansas find the right protection for their homes, belongings, and peace of mind.
What Our Policies Can Cover
Dwelling coverage (Your Home’s Structure)
Protects the physical structure of your home — including walls, roofing, foundation, and attached features like garages or patios — against covered perils, including fire, hail, windstorms, and vandalism.
Personal property (Your Belongings)
Covers your personal items such as furniture, electronics, clothing, and valuables if they’re damaged, destroyed, or stolen. Policies can include replacement cost protection for full-value reimbursement.
Liability protection (injuries or damages on your property)
Provides financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property. This can help cover legal fees, settlements, and medical expenses.
Loss of Use / Additional Living Expenses (in case of displacement)
If your home becomes unlivable due to a covered loss (such as a fire), this coverage helps pay for temporary housing, food, and essential living expenses while repairs are made.
Other Structures Coverage
Protects structures not attached to your home, such as sheds, fences, detached garages, and backyard buildings.
Optional add-ons
- Water Backup / Sewer Line Coverage
- Equipment Breakdown (HVAC, appliances, electrical systems)
- Scheduled Personal Property (jewelry, collectibles, art)
- Flood or Earthquake coverage (where available)
Why Choose Denman & Associates
Independent options
We compare multiple carriers to get you the best rates.
Personal service
We walk you through every coverage option, so you understand what's included.
Local expertise
We know what homeowners in TX, CO, OK, and AR need — from weather-related risks to regional insurance requirements.
Bundle & Save
Combine your home and auto insurance with Denman & Associates and save more while simplifying your coverage.