Texas home insurance policies don’t cover everything a homeowner can experience. Neither does everyone need the same coverage across the board which is why all home insurance policies come with options. Policy options allow a person to tailor the level of coverage to their specific needs and tolerance for risk. Some people wouldn’t dream of having a policy without sewage and drain backup coverage while others think such coverage would be a waste of money. Over the next two weeks, I’ll delve into a variety of home insurance options to help you determine what you can or can’t live without.