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Email quote proposals are still prepared by our staff for you. We will try to select an appropriate market for your
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HOA
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Standard Fire Policies
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DP1
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Texas Homeowners have an excellent insurance market with many extended coverage options available.
For most of us, an investment of this size is rare. That's why it's a good idea to protect it with a comprehensive Texas homeowners insurance plan.
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Basic Protection You Need
Your Homes main structure
Other out buildings or structures
Your personal belongings - furniture, clothing, appliances, etc.
Additional living expense
Your personal legal liability
Special features you can choose for additional security
Homeowners Replacement Cost
Replacement Cost on Contents
Owners Additional Liability / Contents
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HOA
HOB
HOC
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DP1 DP2
Flood
Contents
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Windstorm
Replacement Costs
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Dwelling
Rental Property
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Tips to get discounts on Homeowners Insurance
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1. Update your heating, electrical and plumbing systems to modern standards and you'll
may qualify for a discount of as much as 15%. Even though you may like the old-fashioned fire place,
it may not be as fire-safe as a modern heating system.
Building technology has advanced in many ways to make an older residence much safer. You'll in addition to being a lower home risk, make your
House more valuable in terms of its worth in the marketplace. |
3. The material you use in the construction of your
House or Condo goes a long way in affecting your home insurance rates. Buy a
frame house if you want more resistance to earthquakes or buy brick if you want
better resistance to high winds. Those who live in the West will pay lower rates
if theirs is a frame because of the earthquakes there. Building with the
appropriate material for your state can easily save you a 5%.
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2. Many homeowners do not know half the discounts
that are available to them with their insurer. If you don't know something
exists you cannot position yourself to take advantage of it. Tell your agent
about any updates or major repairs to get possible discounts and find out what
you need to o do to take advantage of them. Insurers do not always advertise all
available discounts but that doesn't mean they don't have them. Don't forget,
you could also save some money and moreover, you have nothing to lose by asking. |
4. You could save hundreds of dollars by simply
obtaining and evaluating various Policy Quotes. HOA policies are often cheaper
home insurance policies but may offer less coverage. The HOB broad form property
insurance policy is the most popular and may offer the best value for the money.
The HOC, All Risk Policy is the Gold Standard Cadillac policy in the Market.
It's not the cheapest insurance policy but will offer the most coverage. |
Texas Homeowners
Insurance
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1. Poor credit
risk
2. Protection class 1-9
3. Older properties
4. Rental properties
5. Low valued homes
6. Farm and ranch exposure
7. Poor loss record
8. Homes on acreage
Limits to $7,000,000 available
Coverage available in most of Texas.
Deductibles as low as $500. |
9. Coastal without EC (Beach homes)
10. Schedules of rental Homes
11. Vacant Property
12. Non standard construction 13. Remodel
and new construction
14. Lake or weekend homes
15. Ski or mountain homes
16. Homes with businesses
17. Cattle or horse exposures |
Texas homeowners policy forms are our specialty. HOA, HO1, HO2, HOB, HOC, DP1. Fire.
Texas policies are available through several markets. Credit Score or Not Scored factoring. Good or bad credit is not an issue with our new non-scored
hassle free
Texas HOA Insurance program.
Your Home Insurance Coverage can be effected same day or following day in most cases.
Coverage can not start before we have received your completed application.
Lime tree Underwriters offerings can be purchased online. Quote, Buy, Print
style. For your convenience an
insurance application is in the forms
page of the web site and can
be used for certain markets. Other applications can be provided by email. The form can be printed or submitted over the web.
If your house has new electrical wiring, or the plumbing and roof have all been updated in the last 20 years then you can get a rating discount by using the first remodeling date as the age of the house. Up to a 10%.
Property insurance for small hobby ranch property owners living on 1 or more acres, with or without hobby animals, can qualify for our personal homeowners
insurance plan, HOA, HOB or HOC, No need for a Farm and Ranch type policy. If AG sales are less than $5000/yr- you can still go in our Homeowners programs.
We now offer $5000 of accidental water damage cover on a DP1 or a standard Fire, EC, Vmm for a flat $100 AP. This applies to tenant or owner occupied.
This new home owners insurance program offers competitive pricing and the rates will not be up-rated unless the risk is substandard or surplus lines. Remember,
Texas Homeowners insurance with
bad credit is no problem. We can still provide you an HOA for your property.
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Finding Home Insurance with Bad Credit
Economic challenges and financial
uncertainty can result in undesirable dings on a some consumers usual credit
standing. Texas Property owners can still obtain quality
affordable insurance. Our London Lloyds Insurance Markets have Non Credit Scored programs
for special risks. These are rated
differently and often issued on a special custom policy offering. Some Markets may limit their offerings to an
HO1 or HOA type policy for owner occupied and DP1 policy forms for tenant
occupied rental properties.
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Rental Properties
Residential Rental Property
insurance for 'To Let " Single and Multi-family up to 8 unit properties, in most cases can be covered on the DP1. For Commercial lines see the
commercial
insurance
section.
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Commercial Property
Insurance Program
We have a new
Texas commercial insurance facility available that will insure most types of commercial
property risks where
the properties values are up to
$5,000,000 per location.
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Apartment House Program
The
Landlords Risks Insurance Program is for clients that operate Apartment Houses with between
10 and 50 units.
This program is a package or BOP type policy covering Basic, Broad or Special perils and with values of $25,000 to $2.5 Million per location in all counties except tier 1.
We can provide
insurance for Building, Contents, Rents, Liability Insurance and Crime as well as the tenants contents extension clause. Risks do not need to be loss free.
Rates are very competitive with other underwriters of this business trade group.
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