This would be why you 'water' your foundations - pretty much all of Texas has clay soils, high temperatures, and random but alternating periods which vary in length, of drought then more rain than it can handle. Placement of the soaker hose that other posters have mentioned, seems to be a key factor in the success of your foundation watering process. OP, that skinny planter under the overhang and behind the larger one might be something that the builder did to keep roots from whatever is in the bed in front of it from growing and making their way into your crawl space. I can't be entirely sure because I'm not there to look at it in person. :P My parents had a bed planter along both sides of the garage which was on slab only, while the rest of the house had a raised foundation (this was in SoCal) and planters along that in front where the master bed/bath was as well as in the back where the other two bedrooms were. When they decided to extend the master bedroom about 6 feet and reducing the sqft of lawn from where the front of the house ended to the sidewalk, they had to add some additional supports that went down into the ground deeper than the ones that were there before and put in some kind of root barrier to keep plants with extensive root systems from eventually causing all of the supports underneath the entire extension from shifting and potential collapse in an earthquake or in the event of significant soil settlement. The neighborhood nearby had houses that sank and some that heaved upwards because the entire area used to be dairy farms. That one was all slab foundations, but whether the house was on a raised foundation or a slab, the possibility of sink or upheaval was a concern because the prior land use was dairy farming. Add to that, earthquake risks and frequent periods of drought, alternating with el nino weather events? We probably could have used some foundation watering ourselves. :P For the particular concerns about the clay soils where you are and the type of foundation you've got, I'd consider using containers, partial sun/partial shade plants, and hand watering with a hose for the narrow planter area underneath the overhang. The wider one in front of it, something with deeper roots but ones that don't grow like crazy in every direction and more of a ground-cover that is low growing/spreads horizontally more than vertically. I'd suggest going to a plant nursery (if you can find one locally that isn't at a big box chain store like Home Depot, Lowes, etc...that would be ideal) and asking them what they'd suggest, and show them photos taken of the areas you intend to plant in on your phone (since most people have cell phones and those tend to have cameras built into them) for reference.

What about when the hydrangeas go and the Montauk Daisies take over Kidding!! I like the idea of carrying the sign color to the door - that could be very pretty. Does the sign color look good with your siding? I love the Dusty Mauve @houssaon posted. I haven't seen that before - may steal that for our front door!

No accent wall - coffee table + art + accent colors for throw/rug/different throw pillows. Add some texture with the throw + pillows + window coverings. Adding something in stone + a plant. All of the foregoing helps make a room look "cozier." Emily has made a nice image already - so, I decided to make one to see what the room would look like if you replaced the existing rug with a new one. I'm not sure why it put two pieces of art on the wall by the floor lamp (looks too busy) - I only wanted one! Also, I decided to try a floor lamp + move the plant out of the corner just so you could see something a bit different than what Emily posted.

" certain California properties aren't covered by many major insurers at this point " Oh yes. Unfortunately, how well I know that. Two years ago, my "major insurance company" informed me that they were dropping my fire insurance coverage. (I can hardly be considered to be in a "fire zone", any more than most standard Cal hillside properties). They'd be happy to continue with other coverage. Off to CalFAIR, the state organized provider of last resort. After the dust cleared, my home insurance cost between the two is about 3X what it was before. Good luck to you.