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Home
Insurance - Galveston Dwelling Policies
Coverage for most Home and Condo Property Risks are available
at this time. Homeowners Insurance Quotes for HOA, HO1, HO2, HOB, HOC, DP1. Fire.
Home Insurance Programs are available
in Galveston with Credit Score or Non Credit Scored factoring.
Good
or bad credit is not an issue with our new non scored "Hassle Free"
Galveston HOA program
Your Home Coverage can be effected same day or following day in most cases.
Your Insurance coverage can not start before we have received your completed application. For your convenience, an online
Home Insurance application
is in the
forms
page of the web site. The form can be printed or submitted over the web.
Some of our insurance programs allow you to complete your insurance purchase from the web site.
Direct bill is now available on select personal lines
insurance programs.
Galveston Homeowners living on 1 or more acres, with or without hobby animals, can now qualify for our
personal lines homeowners insurance program, No need for a Farm and Ranch type
insurance policy. If AG sales are less than $5000/yr- you can still go in our Homeowners
personal insurance programs.
We now offer $5000 of accidental water damage
insurance coverage on a DP1 on a standard Fire, EC, Vmm home insurance policy for a flat $100 AP. This applies to a tenant or owner occupied.
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Tips to get discounts on Homeowners Insurance
in Texas
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1. Update your heating, electrical and plumbing systems to modern standards and you
may qualify for a discount of as much as 15% off your homeowners insurance.
Texas building technology has advanced in many ways to make an older residence
much safer. Even though you may like the old-fashioned fire place, it may not be
as fire-safe as a modern heating system. You'll in addition to being a lower home
insurance 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 in Texas. 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
insurance 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 Texas homeowners do not know half the
insurance 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 insurance agent
about any updates or major repairs to get possible discounts and find out what
you need to 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 Insurance Policy is the Gold Standard Cadillac of homeowners insurance policies in the Market.
It's not the cheapest insurance policy but will offer the most coverage. |
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Coverage is available for: |
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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 property)
10. Schedules of rental Homes
11.
Vacant Property
Insurance Quotes
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
18.
Windstorm Insurance for Hurricane Wind and Hail. |
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Apartment House Program
This insurance program is for
Galveston area clients that operate Apartment Houses with between 10 and 50 units.
This program is a package or BOP
type insurance policy covering Basic, Broad or Special perils and with values of $25,000 to $3.5 Million per location in all counties except tier 1.
We can provide Building, Contents, Rents, Liability
insurance and Crime
insurance as well as the tenants contents extension clause. Risks do not need to be loss free.
Rates are very competitive with other
insurance underwriters of this business trade group.
Commercial Property
Program
We have a new Texas insurance facility available that will accept most any type of
Galveston Tx commercial property insurance
risks where the property values are up to
$5,000,000 per location.
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This Program is principally for:
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Apartments (less than 35 years old)
Churches
Condos
Convenience Stores with/without gas
Grocery Risks
Hotels (Chains and independents)
Offices
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Manufacturing Risks
Motels (chains and independents)
Restaurants
Shopping Centers
Shopping Malls
Warehouse Risks
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The facility is available in Galveston
and Most of Harris County. Coverage can be Fire Insurance, Ec, Vmm or All Risk
Insurance coverage with and
without flood or earthquake
insurance
coverage available under this program in tier 1 and 2 areas.
This is a property insurance only program but we can most likely write the general liability and products
insurance also
if you need that written along with the property
coverage.
This new program will offer Galveston area
property insurance coverage at competitive pricing and the rates will not be
up rated unless
the risk is substandard or surplus lines.
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Rental Property
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Homeowners Insurance |
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Residential
Rental Property
insurance " For Let "
Galveston area Single and Multi-family up to 8 unit properties in most cases can be covered on the DP1. Commercial Property
insurance lines see the commercial
Commercial
Insurance section.
Galveston
Homeowners Insurance Discounts
New home. Up to a 10%
Loss Free History. Up to a 10%
If electrical wiring , plumbing and roof have all been updated in the last 20 years then you can get a
Galveston Home Insurance rating discount by using the first remodeling date as the age of the home. Up to a 10% credit. |
