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What is Homeowners Insurance

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Texas Homeowners have an excellent insurance market with many extended home coverage options available. For most of us, an investment of the size of our home is rare. That's why it's a good idea to protect it with comprehensive home insurance. Texas homeowners insurance coverage plan.

Tips to get discounts on Homeowners Insurance in Texas

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 Texas home insurance policy

.  Texas building technology has advanced in many ways to make an older residence much safer. Home Insurance QuotesEven 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 Homeowners Insurance in Texasyour 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%.

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 on your homeowners insurance in Texas by simply obtaining and evaluating various Policies. 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.

Vacant Home Insurance in Texas

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 Homes with EC (Beach homes)
10. Schedules of rental Homes
11. Vacant Property Insurance
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.

Texas homeowners policy forms are our specialty. HOA, HO1, HO2, HOB insurance, HOC, DP1, DP2 and DP3. including Fire Wind, Hail and Hurricane Insurance. House Insurance Quotes for Up to a 4 plex - 4 family home owners insurance policy can be placed on our Personal Lines tenant occupied Dwelling or Homeowners Policies.

Policies are available through several markets. Credit Score or Non Scored factoring. Good or bad credit is not an issue with our new non-scored hassle free Texas HOA Insurance program.

Your Home Insurance in Texas can be effected same day or following day in most cases.

Coverage can not start before we have received your completed homeowners application. All Risk Policies are available. For your convenience an Texas home insurance application is in the forms page of the website 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 insurance rating discount by using the first remodeling date as the age of the house. Up to a 10%.

Property insurance for small hobby ranch owners in Texas 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 insurance cover on a DP1 or a standard Fire Insurance Policy, EC, Vmm for a flat $100 AP. This applies to tenant or owner occupied.

This new Texas 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 insurance policy for your property.

Finding Home Insurance in Texas with Bad Credit

Economic challenges and financial uncertainty can result in undesirable dings on a some consumers usual credit standing making it difficult to find affordable home insurance. Texas Property owners can still obtain quality affordable insurance. Our London Lloyds Insurance Markets have Non Credit Scored programs for special Texas property risks. These are rated differently and often issued on a special custom policy offering. Some homeowners Markets may limit their offerings to an HO1 or HOA type policy for owner occupied home and DP1 policy forms for tenant occupied rental properties.

Insurance for Rental Properties

Residential Rental Property insurance for 'To Let " Texas Single and Multi-family up to 8 unit properties, in most cases can be covered on the DP1 personal property insurance policy. For Commercial lines see the commercial section.

Texas Apartment House Insurance Program

This Texas Landlords Insurance Program is for 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 $2.5 Million per Texas location in all counties except tier 1.

We can provide Insurance for Apartment Buildings in Texas, Owners Contents, Loss of Rents, Liability Insurance and Crime coverage as well as the tenants contents extension clause. Risks do not need to be loss free.

Rates are very competitive with other underwriters of home insurance in Texas.

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