There are typically 2 types of policies available.
Please select the policies that you are looking for to download/submit online the appropriate forms. Send the filled out forms to us to receive your no-obligation quotes.
When we talk about Home insurance the term can be loosely applied to mean Homeowners Insurance, Rental Dwelling insurance, Renters insurance, or Condominium insurance. Out of all these types of policies, the renters policy is the only one which does not have any component about coverage for the building itself. With all the other policy types there is some type of coverage provided for the dwelling structure. The type of coverage that you have on the policy is based upon the type of policy form that is being used. While most policy forms will typically cover the dwelling structure against common perils such as Fire, Wind, Hurricane, Hail, Tornado etc., it is important to know what type of policy form your policy has to know what perils it covers against. In Texas various types of policy forms are available to the consumers to choose form. While having such a variety of policy forms a good thing on hand as it creates a competitive and healthy marketplace where lot of insurance companies are willing to compete, it also creates a situation where the homeowners have to pay attention to the type of the policy they are buying to make sure that they are getting coverage's they are looking for. The different types of policies that are available for the different forms of homeownership are listed below. Please keep in mind this is not a complete list but just a sampling of all the different types that are available.
The most common information that is required to buy an home insurance policy is as follows:
The factors that affect the premiums that insured individuals pay for home insurance include:
The insured’s credit score – Most companies these days offer steep discounts to insured’s with good credit scores while the ones with poor credit may end up paying more for their insurance.
While discounts vary by insurance company, here are some of the common discounts that may be available. Please note that not every insurance company offers these discounts:
Most standard home insurance policies cover a range of perils, including the following:
Please keep in mind that this is a combined list of optional coverages available. The following optional coverages may not be offered by all companies:
