Home & Renters

Local Homeowners & Renters Insurance Company

At the Herman Novak Agency, we understand that your home is the biggest investment that you will make. Your property is a place for you to feel safe, your family to grow, and to store your assets. We strive to help you find a coverage that meets your needs and allows you to feel confident. Our team goes beyond just presenting your coverage options, we listen to your concerns and discover personalized solutions. Call our local Port Lavaca, TX office at (361) 552-1930 to book an appointment. 

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Types Of Homeowners Insurance

Most home insurances include the following safeguards:

  • Fire/Smoke Damage
  • Explosions
  • Lightening
  • Storms (Hail and Wind)
  • Theft
  • Riots
  • Vandalism
  • Vehicle Inflicted Damages 
  • Aircraft Inflicted Damages 
  • Falling Objects
  • Ice Snow and Sleet Weight
  • HVAC 
  • Household System Damages 
  • Accidental Water and Steam Overflow

  • Renter’s Insurance

    Renter’s Insurance (tenant insurance) is designed to protect your belongings and personal property. Since you are renting the real estate, you will not need to insure the structure as a whole.


    In Texas, you are required to also have liability insurance, which protects you from paying out of pocket if someone gets hurt or if you damage property.


    Dwelling fire is another option that can include the coverage of the property, select personal items, liability, natural disaster relief, theft, and even vandalism.

  • Flood Coverage

    Some properties are required to have flood insurance. If your home is in a “high-risk” area, then we are here to help you analyze your flood coverage options. Sometimes, flood coverage is a great protection to have no matter the location of your property. As a local company, we understand the large factor that weather plays in our area. Allow us to discuss how we can help put your mind at ease. 

  • Custom Homes

    Since custom homes are built with specific materials, the homeowners insurance needs to be personalized to reflect this. We will create a plan that protects what is important to you in case anything happens. 

  • High-Value Homes

    We offer home and asset insurance coverage for high-value homes. This custom coverage is tailored for homes valued at $1.2 Million and above. 

  • Condos

    Condo form policies will financially protect your assets and personal liability. This insurance can also protect the interior structure of your condo. For example, your ceiling and drywall. 

  • Mobile Homes

    Mobile home insurance generally includes the coverage that a special for policy does. All of the coverage is tailored to meet the needs of a manufactured or mobile home. 

    • Fire/Smoke Damage
    • Explosions
    • Lightening 
    • Storms (Hail and Wind)
    • Theft 
    • Riots
    • Vandalism
    • Vehicle Inflicted Damages 
    • Aircraft Inflicted Damages 
    • Falling Objects
    • Ice Snow and Sleet Weight
    • HVAC 
    • Household System Damages
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