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The biggest investment most people will ever make is in their home. That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive Insurance plan.

Your purchase is an investment deserving the protection that only an experienced professional can provide.

Available Texas Home Owner Coverage Forms

HOA

HOB

HOC

Flood

Dwelling

Rental Property

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Basic Protection You Need

For Your home

Other buildings or structures on your property

Your personal belongings - furniture, clothing, appliances, etc.

Additional Home Owner living expenses

Your personal legal liability Insurance

Special features you can choose for additional security

Replacement Guarantee

Contents Replacement Cost

Texas Home Owner Insurance - Additional Coverage Forms

HOA HOB HOC


Texas Home Owner and Dwelling Insurance

Coverage forms for most Texas Home and Condo Property Risks are available at this time. Forms HOA, HO1, HO2, HOB, HOC, DP1. Fire.

Programs are available with Credit Score or Not Credit Scored factoring. Good or bad credit is not an issue with our new non-scored "Hassle Free" HOA program

Coverage can be effected same day or following day in most cases.

Coverage can not start before we have received your completed application. For your convenience, an online Texas Home Insurance Application is in the forms page of the website. The form can be printed or submitted over the web.

Direct bill is now available on all personal lines programs.

If electrical wiring , 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 home. Up to a 10% credit.

Texas Home Owners living on 1 or more acres, with or without hobby animals, can now qualify for our homeowner program, No need for a Farm and Ranch type policy. If AG sales are less than $5000/yr- you can still go in our Homeowner programs.

We now offer $5000 of accidental water damage coverage on a DP1 on a standard Fire, EC, Vmm policy for a flat $100 AP. This applies to a tenant or owner occupied home.


Rental property

Residential Rental Property insurance " For Let " Single and Multi-family up to 8 unit properties in most cases can be covered on the DP1. Commercial Property lines see the commercial Commercial Insurance section


Apartment House Program

Program 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 Building, Contents, Rents, Liability 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.


Commercial Property Program

We have a new facility available that will accept most any type of commercial risks where the property values are up to $5,000,000 per location.

This Program is principally for:

Apartments (less than 35 years old)

Churches

Condos

Convenience Stores with/without gas

Grocery Risks

Hotels (Chains and independents)

Offices

Manufacturing Risks

Motels (chains and independents)

Restaurants

Shopping Centers

Shopping Malls

Warehouse Risks

The facility is available in most states and coverage can be Fire, Ec, Vmm or All Risk with

and without flood or earthquake. Coverage not available in tier 1 and 2 areas.

This is a property only program but we can most likely write the general liability and products also if you need that written along with the property.

This new program will offer coverage at competitive pricing and the rates will not be uprated.

unless the risk is substandard or surplus lines.

Contact us today for Texas Home Owner Insurance or fill out our online quote form

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Contact us today for or for more information about Texas homeowners insurance quotes.