Homeowner Policies typically include a full complement of standard features that cover your dwelling, personal property and other structures. Policies include liability protection, loss of use and medical payments to others. Our homeowners insurance agents will work with you to find the right coverage and can adjust premiums by adjusting deductible amounts as well as applying discounts and credits. We can also add endorsements to your policy to broaden the protection limits even further.
When we discuss your options with you, we will ask you a number of questions to identify available discounts and credits. For example, discounts may be available if you have a functioning alarm system or sprinkler system.
Homeowner’s policies offer liability, building, and personal property coverage .
For losses due to many perils, including fire, theft, wind, and lightning. We can tailor a package policy to meet your needs through different home markets and best rated companies. We offer all kinds of policies that range from the most comprehensive- HO-3 Policy, to the limited dwelling only policy TDP-1, a more restricted policy , Call our representative for details.
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HO-B/HO-3 ( Added & Broad Coverage w/ water damage & replacement cost)
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HO-A+ ( limited coverage w/ water damage & replacement cost)
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HO-A ( limited coverage w/ market value option)
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TDP-1 & TDP-3 (Dwelling only coverage mostly used for rental homes)
Why do you need homeowners insurance in Houston Texas?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Discounts options, Up to 30% for your Homeowners Policy.
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Auto-Home-Flood Discount
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Having a central burglar alarm
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Having a newer home less than 5 yrs old
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Being claim free in the past 5 yrs
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Over age 50 yrs old
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Construction Type Discount
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High Deductible Discount
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Dwelling Only Rate
- New Roof
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Auto-Home Discount-Insuring your vehicles with the same company
Some major companies that offer homeowner’s insurance coverage in Texas like AIG, Chubb, Geovera, Wellington, Standard, ICAT, Lloyds, UPC, Lighthouse and others..
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Some of the most common Q & A that an insured has:
Understanding what Your Homeowners Policy Cover?
Is my Home Damage Covered in case of a Fallen Tree?