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Policy Type Descriptions

Speeding Up Your Homeowners Claim

Eligibility is based on each company's underwriting guidelines, and NOT ALL APPLICANTS WILL MEET THOSE GUIDELINES. In addition, NOT ALL COMPANIES SELL IN EVERY AREA OF THE STATE, NOR DO THEY SELL TO NON-MEMBERS. You are encouraged to contact the listed companies or the companies' agents directly to discuss your insurance needs. A company may redirect you to one of their agents to discuss coverage. Understand that even though the companies listed may be selling in Texas, they are not required to offer coverage to everyone. Companies may decide they are not writing insurance at this time or in certain areas. However, state law prohibits a company from rejecting coverage for reasons considered discriminatory.


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   Policy Types | Policy Comparisons by the Office of Public Insurance Counsel

• HO-A Policies provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in the policy are covered.
  
  
• HO-A Amended Policies provide more extensive coverage than the base HO-A policy but less coverage than an HO-B. For instance, HO-A Amended policies may include replacement cost coverage and coverage of damage from "sudden and accidental" water discharges. Neither of these coverages are included in the base HO-A policy. Coverage provided by HO-A amended policies vary by company.
  
  
• HO-B Policies provide replacement cost coverage for most types of damage, except those specifically excluded in the policy. Coverage may be amended by individual company endorsements.
  
  
• HO-C Policies provide the most extensive coverage, but they are more expensive than other types of policies.
  
  
• Approved Alternative Policies offer varying levels of coverage. Companies can sell alternative policies only if the policy form is approved in advance by the Commissioner of Insurance. Coverage may differ considerably from one company to another.
  
  
• Farm Mutual Policies are offered by farm mutual companies. Farm mutual companies are not required to file their policy forms or rates with the Commissioner of Insurance. Coverage provided by these policies may differ considerably from one another and from the coverage provided in other insurance policies.

Renters - Policy Types

Commercial Property - Policy Types

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