Shopping for Home Insurance? Buying a New Home?
Let’s Take a Look Together.
Luke will compare your options, point out the gaps that matter, and look for ways to keep more money in your pocket without cutting corners.
Let’s Get Started
Tell me a little about yourself, and I’ll start reviewing your home insurance options.
Carry Auto Insurance Too?
Mention it in your request and Luke can compare your Home and Auto options together.
“Luke was very helpful and provided excellent service for my insurance needs. Would highly recommend!”
Jordan R. · Google Review
Prefer to reach out directly?
Is Now a Good Time to Take a Look at Your Home Insurance?
Homeowners usually reach out after one of these moments. Any of them sound familiar?
You’re buying or building a home
Lenders usually require proof of insurance before closing.
See how Luke helps before closing →Your renewal is coming up
The weeks before renewal are the best time to compare. If your premium jumped, it’s worth seeing what else is available before you auto-renew.
You replaced your roof or made upgrades
A new roof, updated plumbing, or storm repairs can change your discounts and your dwelling coverage. Most policies don’t update automatically.
A storm or claim changed your risk picture
Hail, wind, and foundation issues are common across Texas. If you’ve filed a claim or worry your coverage doesn’t reflect current rebuild costs, it’s worth a second look.
Building or Closing on a New Home?
Your lender will usually need proof of homeowners insurance before closing. Luke can compare coverage options for the home you’re buying and help line up a policy that fits it.
Luke can provide the proof of insurance or insurance binder your lender or title company requests for closing. Newer homes may qualify for discounts with some carriers, depending on the property and underwriting.
What Luke reviews
- Dwelling coverage based on the estimated cost to rebuild, not the purchase price
- Wind and hail deductibles, which are often a percentage of your dwelling coverage
- Roof settlement terms, including how roof damage would be paid
- The details of the completed home, so the policy reflects the actual property
- Your lender’s insurance requirements
Share your expected closing date and any lender requirements with your request. Options and eligibility vary by carrier and property, so starting early gives you more room to compare.
Get a Home Insurance QuoteWhat Makes a Gilded Oak Quote Different
We are not a lead-selling website, and we are not a call center. Here is what that means for you.
You work with a local Texas advisor
Not a remote call center, not an offshore team. Someone based in North Texas who understands how Texas weather affects coverage.
Protection and Price Both Matter
Luke compares coverage and price side by side, helping you find the right protection without paying for more than you need.
We work around your timeline
Closing in two weeks? Renewing next month? Just deciding to look? We move at the pace that fits your situation and work toward any lender deadline.
Options from multiple carriers
Luke can compare coverage options available through multiple insurance carriers and market partners, depending on the type of coverage and underwriting eligibility.
You can reach us the way you prefer
Form, phone call, text message, or email. We adapt to how you communicate, not the other way around.
Luke Faulkner
Licensed Texas Insurance Agent · Gilded Oak Insurance
I started Gilded Oak because I wanted to offer the kind of insurance guidance I would want for my own family: clear, practical, and free of the pressure that comes with call centers. I review coverage and pricing together, including details many homeowners miss like replacement cost and wind and hail deductibles, so you understand the tradeoffs before making a decision. I am based in North Texas and focused on helping Texas homeowners and new buyers make confident insurance decisions.
Frequently Asked Questions
Absolutely. There is no requirement to switch carriers and no deadline attached. Many homeowners request a quote simply to confirm they have competitive, adequate coverage. If a better option exists, we will show you. If your current carrier looks good, we will tell you that too.
Share your closing date when you submit your request, and we’ll work toward it and help get the policy lined up for closing. Getting your declarations page or lender’s insurance requirements to us as early as possible helps things move quickly. Timing can depend on the property and the carrier’s underwriting.
Generally, no. A standard homeowners policy excludes flood damage; flood coverage is typically a separate policy through the National Flood Insurance Program or a private flood carrier. This is one of the most commonly misunderstood gaps in Texas home coverage, and we can help you understand whether it makes sense for your property.
Dwelling coverage is the amount your policy would pay to rebuild your home if it were destroyed. Replacement cost means rebuilding at today’s construction costs, rather than the depreciated value of your home. Many policies fall out of date as construction costs rise, which is one of the most common gaps we find during a quote.
No, simply requesting a quote has no effect on your mortgage or escrow. If you do decide to switch carriers, we will help make sure your lender is notified correctly so your escrow payments continue without disruption.
Yes. Looking at Home and Auto together can sometimes improve overall pricing or options. Any multi-policy discount or pricing benefit depends on the carrier, so we can show you options both ways when it makes sense. Just mention your auto coverage when you submit your request.
No. Gilded Oak Insurance serves homeowners across the state of Texas. While we are based in North Texas and have strong familiarity with the DFW market, we work with Texas homeowners and new buyers wherever they are located.
No. Requesting a home insurance quote doesn’t hurt your credit score. If a carrier reviews your credit to price a policy, that’s typically a soft inquiry. Soft inquiries don’t affect your credit score and are visible only to you when you check your own credit report.
Ready to Compare Your Options?
Send a few details, and Luke will compare coverage, deductibles, and price, then walk you through the options that fit your home and budget.