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Homeowners insurance provides basic financial protection from damage to your property and liability for injuries and property damage you or members of your family cause to other people.

Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by water, earthquakes and neglect. You can purchase two separate endorsements to cover damage caused by flood or earthquake.

In addition to covering physical damage to your dwelling and its contents, your homeowners policy provides some protection from liability. This includes damages arising from the home itself or the front yard when for example a visitor slips on the sidewalk and falls. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. This coverage can be increased with additional premiums.

In Texas, the following types of homeowners policies sold:

• HO-A policies provide a limited amount of actual cash value coverage for your home and its contents. The types of damage covered are specifically listed in the policy.
• HO-A amended policies provide more extensive coverage than the HO-A policy, but less coverage than an HO-B.
• HO-B policies provide replacement cost coverage for most types of damage. Exclusions are specifically listed in the policy.
• HO-C policies provide the broadest coverage, but are usually the most expensive.

The HO-A, HO-B and HO-C policies are standard polices in the state of Texas. The HO-A policy can vary between insurance companies. In addition to these state approved policies, insurance companies may sell alternative policies if they are approved by the Texas Commissioner of Insurance. Coverage in such alternative policies can vary significantly from one company to another so be sure to compare any alternative policies to the state approved policies so you understand the differences.

Our customers shop from Dallas, Houston, San Antonio, El Paso, Austin and other great cities in the lone star state to find cheap homeowner insurance from top rated insurance companies.