Texas Home Owners Insurance

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Before purchasing homeowners insurance in Texas, it is best to familiarize yourself with the types of coverage agencies will generally offer, and the differences between them.  There are several types of coverage you may encounter, however the three most common are standardized policies.  These are the HO-A, HO-B, and HO-C policies.  As standardized policies, they will offer the exact same type of coverage regardless of what agency is offering them, or the rate they charge.  For this reason, if you are looking to purchase a standard Texas homeowners insurance policy, you should shop around for the best rate you can find. 

In addition to these three standard policies, many Texas home insurance policies can be upgraded with certain "endorsements" for additional fees.  It is important to understand what is covered in the basic policy as defined by the Texas Department of Insurance, in order to determine whether an endorsement is worth considering.  Other insurance providers may offer custom policies, however these policies must first be approved by the Texas Department of Insurance.

The following is a brief summary of the types of Texas homeowners insurance sold in the state of Texas:

• HO-A policies are the most inexpensive, and consequently provide the most limited coverage.  Only the types of damage specifically listed in the policy are covered.  HO-A policies only offer “Actual Cash Value” on its settlements.  In other words, many other costs associated with restoring lost property including labor and time considerations will not be included. 
• HO-A amended policies provide more extensive coverage than the base HO-A policy but less coverage than an HO-B. HO-A amended policies may include replacement cost coverage and coverage of damage from sudden and accidental" water discharges, neither of which are included in a base HO-A policy. Coverage provided in this type of policy may vary by company.
• HO-B policies provide replacement cost coverage for most risks associated with damage to the dwelling, and actual cash value for personal property for the types of damage specifically outlined in the policy. 
• HO-C policies provide the most extensive coverage, and are consequently more expensive than HO-A or HO-B policies. HO-C policies offer replacement cost coverage for most types of risks which threaten the dwelling or personal property.
• Approved alternative policies offer varying levels of coverage. Companies can sell alternative policies only if the policy form is approved in advance by the Commissioner of Insurance. Due to the nature of this policy coverage may differ considerably from one company to another.

When comparing these different types of standardized policies, or any type of Texas homeowners insurance policy, it is important to take note of the types of damage that none of these policies may cover.  For example, neither the HO-A, HO-B or the HO-C policies cover flood damage, even though other types of water damage may be covered.  Generally speaking, flood insurance is a completely separate type of policy.  Those at risk of flooding should consider this type of insurance, which can be purchased through most agencies.

Texas Auto Home Insurance is a statewide multi-line property and casualty insurance source that reaches out to every major city, mid-sized community, and small town in Texas.  We have excellent rates on all lines of insurance, including motorcycle, boat/ATV, commercial vehicle insurance, general liability insurance for businesses, car insurance, mobile home insurance, and renters insurance.  Click here to see if you qualify for any possible homeowner insurance discounts in Denton, Texas, Garland, TX, Grand Prairie, TX, Irving, Texas, Harlingen, TX, Amarillo, TX, Austin, Texas, Longview, Texas, Round Rock, Texas, San Angelo, TX, San Antonio, TX,, Dallas, Texas, San Antonio, Texas, Brownsville, Texas; East Grayson, Texas, East Jefferson, Texas, Flower Mound, TX, Fort Worth, Texas, Longview, Texas, McAllen, TX Pasadena, TX, Port Arthur, TX and Round Rock, TX, and many more Texas cities from Beaumont to El Paso.  

You can also call 1-866-663-5262 toll free and speak with an agent familiar with your city or region of Texas with any questions you may have about your current insurance policy or special coverage options you may need for your personal vehicle, home, or commercial coverage.