Welcome to Hebrews 13:1 LLC, We're here to help you
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(430) 201-3233

sgoram@farmersagent.com

Mon - Fri 8:30 - 5:30

Sat - Sun Closed

2392 H G Mosley Pkwy

Longview, TX

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Home Insurance

Home / Home Insurance

Home Insurance

Protecting the place where your life happens

Your home is more than walls and a roof. It is where memories are made, families grow, and life happens. Our job at Goram Welch Insurance Agency is to help make sure that if the unexpected shows up, your insurance plan is designed to respond the way you expect it to.

Home insurance can feel confusing, especially when every policy looks the same on the surface. We help cut through the noise, explain things in plain English, and make sure you’re properly insured, not just “covered on paper.”

Why Home Insurance Isn’t One-Size-Fits-All

Most homeowners don’t discover gaps in their coverage until claim day—and by then, it’s too late. We take a proactive policy management approach, helping you understand:

  • What your policy is designed to protect

  • Where common gaps hide (roof claims, lawsuits, exclusions)

  • How deductibles actually work when storms roll through Texas

  • What matters most for your home, not your neighbor’s

Our goal is simple: move you from uncertain to confident.

What Your Home Insurance Plan Typically Includes

While every policy is different, most home insurance plans are designed to help protect against things like:

  • Damage to your home from covered events such as wind or hail
  • Your belongings inside the home
  • Liability protection if someone is injured and you’re held responsible
  • Temporary living expenses if your home can’t be lived in after a covered loss

We’ll walk through what’s typically included—and just as importantly, what’s not—so there are no surprises later.

What Your Home Insurance Plan Typically Includes

One of the biggest differences between policies is how claims are triggered.

Many homeowners are surprised to learn their policy only covers a short list of named events. At Goram Welch, we specialize in open peril home policies, designed to protect against everything except what’s specifically excluded.

That distinction can make a real difference when claims get complicated.

Roof Claims: Where Most Disappointments Happen

Roof damage is one of the most common and misunderstood claims in Texas.

We make sure you understand:

  • Whether your roof is covered at replacement cost or actual cash value
  • How depreciation can affect payouts
  • What happens after hail or windstorms

If there’s a roof gap, we’ll show it to you before a storm ever hits.

How We Help (Our Process)

Disarm, Diagnose, Demonstrate, Decide

  1. Disarm – No pressure, no sales pitch

  2. Diagnose – Identify 3–4 common coverage gaps

  3. Demonstrate – Show how the right plan solves those concerns

  4. Decide – Move forward confidently, or part as friends

We believe people deserve clarity, not confusion.

Why Clients Choose Goram Welch

  • More than 20 years of insurance experience

  • Clear explanations without fine print confusion

  • Guidance tailored to each trip

  • Support when plans change unexpectedly

  • A servant’s heart in every interaction

When you call us, you’re treated like family—because that’s how we do business.

Home Insurance
Auto Insurance
Life Insurance
Health Insurance
Travel Insurance
Business Insurance

Contact Info

Ready for a Home Insurance Review?

If you already have home insurance, great. Let’s make sure it’s still doing its job.

If you’re shopping, we’ll help you compare plans apples-to-apples and avoid common pitfalls.

👉 Schedule a no-pressure home insurance review today.
 We’ll take care of the details so you can enjoy the home you’ve worked so hard for.

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