As a homeowner in Texas, there are two different types of home insurance policies to consider purchasing. The two different types of policies are detailed and comprehensive and as a result may seem overwhelming and confusing.

An HO-B home insurance policy is probably the best home insurance policy for homeowners. HO-B offers the most coverage for the average homeowner. An HO-B home insurance policy is considered to be a standard policy for the State of Texas. An HO-B home insurance policy covers homeowners in the event of most types of loss and damages, but homeowners have to read one’s home insurance policy carefully for exclusions. Some HO-B home insurance policies might cover flood damage while others will not.

HO-A is a standard Texas home insurance policy, but is very limited in coverage. This insurance does not cover many damages. HO-A insurance might not be acceptable by a financial institution’s standards for coverage during a mortgage. HO-A insurance can be amended to cover or add specific items to the policy.
Our network of experienced, professional, and friendly agents take pride in helping each individual homeowner understand the policy while making sure each homeowner is purchasing the best coverage at the best rate.

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