Primary & Secondary Homes on Acreage
Country-home coverage without the guesswork
Alcorn Insurance Texas aligns insurance for primary and secondary homes on acreage in Texas—long drives, gated entries, wells, and wide-open space included. We coordinate dwelling, other structures, and liability so rural living near Georgetown and Liberty Hill is covered the way you use it.
What your policy can cover
Dwelling coverage
Rebuild costs for country homes, including code upgrades and extended replacement options.
Personal property
Household contents with replacement cost options and scheduled items.
Water backup & equipment
Endorsements for well pumps, septic backup, and service lines.
Seasonal & secondary use
Occupancy terms for part-time stays, house sitters, or hosted guests.
Other structures
Barns, shops, detached garages, carports, and perimeter fencing.
Liability protection
Visitors, gatherings, and incidental acreage exposures like gates and ponds.
Wind/hail strategies
Deductible choices and roof terms fit for Central Texas storms.
Local insight
Built for Georgetown country homes
From parcels near Lake Georgetown to properties outside the city ETJ, we right-size dwelling limits, review fence and outbuilding values, and connect policies for tractors or trailers when needed. We’ll show where home insurance ends and ranch insurance begins—and when an umbrella insurance layer makes sense for guests, ponds, or longer driveways.
Homes on acreage FAQs
Can I insure my home and outbuildings on one policy?
Often yes—homeowners plus endorsements or a ranch package can combine the coverage you need.
Do fences and gates count as other structures?
Yes—list lengths and gate values so limits reflect replacement cost.
What about short-term guests or house sitters?
Policies can allow them with conditions. Tell us frequency and whether money changes hands.
Are tractors or trailers covered under homeowners?
Not automatically. We’ll coordinate with farm or inland marine options to cover equipment used on your land.
How do roof age and materials affect terms?
They can change deductibles and settlement (ACV vs. replacement cost). We’ll review options for Central Texas roofs.
