The key to understanding what you need in a Texas homeowner insurance policy depends greatly on understanding the nature and location of your home. Texas covers a vast and widely diverse range of geographic territory, and many regions in the state have perils uniquely specific to a particular locale. It is important that you work with an Agency that will take the time to educate you in the many challenges you may face in the part of the state you reside, and what your Texas homeowner policy needs to specifically cover to provide you with the best possible coverage.



Understanding a few basics about the three types of Texas homeowner insurance policies will help you save time and avoid confusion when you begin working with an Agent. Each policy type offers specific financial and coverage benefits that need to be carefully weighed in relation to what you can recently afford to invest in homeowner insurance and what you need to consider in terms of indemnity should you ever face a calamity and need to file a claim.

HO-A Policies

Texas HO-A are the most inexpensive policy type, and are often the most attractive to the first time homeowner due to the low cost investment they offer.

There is nothing wrong with investing in a homeowner insurance policy that is discounted or represents a low premium, but it is very important that you carefully consider what the policy actually covers and weigh that against perils in your part of Texas that could strike your home at some point in time.

An HO-A policy will only cover perils specifically named on the policy, and they limited in the endorsements that can be added to the HO-A policy.

HO-A+ Policies

The HO-A+ policy provides additional coverage to the Texas homeowner by making available a host of endorsements or coverage additions to the base HO-A and thereby becomes a very viable means of acquiring extensive coverage on dwelling and contents.

HO-B Policies

For a slightly larger investment in Texas homeowner insurance, you can have your agent write an HO-B policy. HO-B policies offer replacement cost coverage for most perils associated with damage to your house, and named peril contents on or off the premises where the house is located. Replacement cost coverage can be added to the contents coverage alleviating depreciation when damaged items are replaced.

An HO-B offers an extended variety of endorsements. Talk to your agent about what these endorsements entail.

HO-C Policies

Texas HO-C homeowner insurance coverage represents the broadest possible policy type intended to anticipate the most common perils in your region and offer comprehensive replacement costs per the estimated risk you face balanced against the value of your home and its contents. The HO-C policy provides extended peril coverage on dwelling and contents.

The specific details of your HO-C policy will have to be determined in partnership with your agent, who will look at all risk factors relative to where you live, the size and architecture of your house, and the value of your belongings within that house to give you the maximum coverage, the best possible rates, and any discounts for which you may be eligible.

One final note: It is always best to work with an agency that represents a number of A+ rated homeowner insurance carriers and who works statewide throughout Texas. Such agencies like TAHI tend to have more options to offer the Texas homeowner seeking the best rates and the most coverage.