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    Homeowners /Tenants (Renters) /Condominium Insurance Quote Request



Please fill out as much information as possible.

If you have any questions regarding this form please contact us.

Homeowners Quote Request Form - (Texas Residents Only!)

(* Indicates a required field)

All information provided will be regarded as strictly confidential, and will be used only to secure an accurate quotation for insurance coverage.

First Named Insured:

Additional Named Insured ( Usually Spouse):


*Full Name (as shown on your drivers license):

Full Name (as shown on your drivers license)









Business/Industry :


If "Other" Occupation Please Describe

Highest Level of Education



Business/Industry : Occupation

If "Other" Occupation Please Describe

Highest Level of Education

Email Address:                                                           

*Email Address :                (For Our  Agency Staff Use Only )


Fax #


*Send Quick Quote By : Email Fax Both


*Contact Phone Numbers:

        Day :   


Evening :   


        Cell : 


Do you currently have Homeowners Insurance? Yes   No   Need help with this question call 1-800-361-8734 !

If yes, Name of Current Carrier:  

Policy #  

Expiration Date:

 Prior Annual Premium $ Current Renewal Premium $
If yes, how long have you had Homeowners Insurance with your current insurer?
If no current coverage how long has it been since you had homeowners insurance?

Year you purchased home?   Initial Purchase Amount $  


Location Of Property You Wish To Insure:



 *State: Zip:

*County :

Mailing Address:       Same as Insured Location



        State :    Zip: 


Coverage Policy Limits Requested:Need help with this question call 1-800-361-8734 !

*Type of Dwelling To Be Insured :  *Requested Effective Date:
*Deductible: *Wind/Hail Deductible:
*Dwelling (Building Structure) Coverage $ *Personal Liability Limit $
*Personal Property Coverage $


*Medical Payments Limit $

*Sewer/Drain Back-Up Limit $

*Sudden Accidental Water Discharge/Leakage Damage Limit $
*Replacement Cost Coverage


Personal Property      Provides limited replacement cost coverage on personal property, including scheduled property. It does not apply to items which are irreplaceable, not in good condition or obsolete. Replacement cost of watercraft is covered only up to a limit of $2,500 in excess of ACV. When HO-101 is attached to coverage forms HO-B and HO-C, wall-to-wall carpeting and cloth awnings are provided replacement cost coverage, but fences would still not be covered on a replacement cost basis. The form provides for recovery up to $1,500 of the difference between replacement cost and ACV, without requiring actual replacement of the property. The insured has up to 365 days to replace property in order to recover in excess of $1,500.       

 Optional Coverages - Texas Endorsement Forms Most Commonly Requested :    


 TX HO-135- Increased Costs of Construction-Building Laws


Tx HO-161 (for HO-A) / HO-162 (for HO-B) / HO-163 (for HO-C) / HO-164 (for HO-BT)  / HO-165 (for HO-B-CON)  /  HO-HO 166 (for HO-CT) / HO-167 (for HO-C-CON)                

Mold, Fungi or Other Microbes Coverage

$ Tx HO-111-Increased Limit On

Business Personal Property 

Tx HO 126-

Personal Computer

Tx HO-121- Windstorm Greenhouses Tx HO-170 - Additional Extended Coverage          

Applicable to coverage form HO-A only.

 Tx HO-105 Residence Glass Coverage   Tx HO-111 - Increased Limit

Business  Property 


$ Tx HO-110 - Increased Limits

Only For Jewelry, Watches and Furs


Tx HO-120 Television Antennas
 Tx HO-160-Scheduled Personal Property

Specific Scheduled Limits For :

1. Jewelry
2. Furs
3. Cameras
4. Musical Instruments
5. Silverware
6. Golfer's Equipment
7. Fine Arts
8. Stamp Collection
9. Coin Collection
10. Gun Collection

Total $


Underwriting Information:

Pre-selected (Default ) answers have been selected by us to aid you in completion of this form;  please make any necessary corrections.

Please review each check box below to assure that each question is correctly answered; then change the checked box to the most appropriately response that applies to your request for a rate quote. Any incorrect information obtained from you may void the quick quote rate you receive. Need help with this question call 1-800-361-8734 !

*Construction: *Roof: *Roof Age: *Square. Footage:
*Year Built: *Stories: *Garage: *# of Car Stalls:
*Occupancy: *Pool: *Fenced Pool : *Trampoline:
*Pets: (Pets) Breed: *Alarms: *Monitored:
*Fire Hydrant   Feet To 0-100 101-500         501-1000 1000+ *Fire Station Miles  Within 5   5 -10  10+ *Within City Limits Yes   No *Primary Residence Yes No
*Foundation *Rental Property Yes No *Community Entrance Gated or Guarded Yes No Sprinkler System Yes No
*Under Construction Yes No *Live Stock Yes No *Strom Shutters Yes No *Mortgagee Yes No
*Owner Occupied Yes No *Maintenance *Air Conditioning Ducts *Farm Home Yes No
*Fire Place Yes N *Wood Burning Stove Yes N *Central Air Conditioning Heating Yes *Dead Bolt Smoke Alarm Extinguishers Yes No

*Any losses incurred in the last 5 years to the insured's home or personal possessions at this or another location? Yes No Need help with this question call 1-800-361-8734 !

If "Yes" Please Provide Details:

*Has property insurance been cancelled, declined or non-renewed in the last 5 years? Yes No Need help with this question call 1-800-361-8734 !

If "Yes" Please indicate reason property insurance was cancelled, declined or non-renewed?

*Is the dwelling you wish to insure unoccupied by an owner or tenant for more than 8 consecutive weeks per year ? Yes No

If the home is over 20 years old, please indicate the year updates were completed:





Submitting Agency / Producer - Name:                                                                 Tx  License Number:

Address:    City:  

State:    Zip Code:

Telephone: Area Code  Number

Fax : Area Code  Number




Submission of quote request form to Hemphill Insurance Agency does not constitute a binding confirmation of new or revised insurance coverage. 

 To confirm binding or current policy revisions you must receive a written confirmation for any  new or change in coverage from our agency staff.




Homeowners Insurance Discounts - Discounts can help you save money on your homeowners insurance. Companies may offer premium discounts if you take steps to reduce the chances of a loss. Each company sets the amount of the discounts if offers to its policyholders. Some of the more common discounts are listed below:

Type Discount

 % Premium Discounted

Good Claims History/Experience Past 5 yrs:

Provided Comprehensive Loss Underwriting Exchange (CLUE) reports can be obtained by underwriters to verify losses reported for address is accurate.

5 %

Companion / Other Policy           Issued in same Company/Agency/or Group.

5 %

Coverage Issued To Full Replacement Cost Value

(companies set own standards by square footage of dwelling )

5 %

Impact-resistant Roofs:       

        Varies for - UL Standard 2218 or TDI approved roofing materials / Class 1 to Class 4 / Territory

1 % to 35 %

      Age of House / Roof

 Updated Electrical-Plumbing-Ac

( companies set own standards )

1% to 15%

Noncombustible roofs

2 %

     Condition of premises

 (companies set own standards )

2 %

Senior Citizen Discount

(companies set own standards - generally applies age 55+ )

5 %

Home Security Devices

( smoke detectors / dead bolts / burglar bars )

5 %

Fire Extinguishers

1 UL approved per every 200 sq ft

2 %

Automatic Sprinkler Systems

8 %

Monitored Fire & Smoke  / Burglar Alarm Systems

4% to 15 %

ID Marking or Photo Recording Personal Property

(companies set own standards )

5 %

 Other Significant Discounts


Homeowners Insurance

Homeowners insurance provides you financial protection in the event that your home is destroyed or damaged due to unforeseen or a catastrophic event. In addition to your home, homeowners insurance also covers your belongings (or personal property) and can reimburse you for medical expenses and liability claims resulting from property damage or personal injury to other people caused by you or members of your family.

Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. It is important to know what’s in your policy. Make sure you read your policy carefully and understand your specific coverages.

There are two basic types of coverage:

"ALL PERILS" COVERAGE - offers broad protection and covers all perils unless they are specifically excluded or limited by the policy.

"NAMED PERILS" COVERAGE - offers narrower protection than an all risk policy and covers only those perils specifically named under the policy. A named perils policy will also contain exclusions to perils named under the policy.

Policies also offer different methods of repairing or replacing your property:

REPLACEMENT COST - pays for all necessary expenses associated with rebuilding, replacing ,or repairing damaged property, up to the policy limits  , and , less any applicable deductible amount. This coverage generally provides customers with the largest amount of financial recovery from a covered loss as an insurance company must repair or replace covered property up the full dollar amount required to provide products or materials of equal workmanship, like kind, and/or quality to up to your policy limits. Even if this means replacing older products with a newer product of equal workmanship , like kind , or quality where repairs to your are property are not possible or prudent; within the insurers judgment. To receive full replacement cost you must actually replace such property per the terms of your policy; other wise you will only receive payment of your claim at Actual Cash Value. Without question replacement cost coverage produces the greatest level of customer satisfaction when customers receive insurance claim payments.

ACTUAL CASH VALUE - factors in depreciation costs to your claim and pays you the costs to replace or repair the damaged property, less this depreciation and less any applicable deductible amount.


Major Coverages That Are Typically Included :

You can buy a dwelling policy that covers only the structure of your house. However, most homeowners buy policies that combine five different coverages in a single policy:

Dwelling - pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.

Personal property - pays for theft, damage, or destruction of the contents of your house, including furniture, clothing, and appliances

Personal Liability - protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage. A homeowners policy automatically provides $25,000 with increased limits available up to  $ 300.000 or $ 500,000 (this limit varies by insurer) in coverage for less than $ 25 annually . Most insured's may buy up to $ 1 million to $5 million in  additional coverage under a Personal Umbrella Liability Policy for annual premiums typically ranging from $ 150 to $ 600..

Increased Personal Liability Insurance Coverage Limits Are Always Recommended By Our Agency

Please keep in mind that you are responsible for any amount of a covered personal liability loss that exceeds the amount of personal liability insurance coverage you purchase under your homeowners policy; therefore we highly recommend you consider securing higher limits of personal liability insurance coverage under your homeowners policy to protect your assets in the event of a large liability settlement or where a count renders a judgment against you for a large dollar amount. We would also recommend you request a quote for a Personal Umbrella Liability Policy for those unforeseen or catastrophic events where you might be found liable for an amount exceeding your homeowners policy limits . Recent court judgments have given substantial awards to claimants for wrongful death , pain & suffering due to injuries , medical expenses ,  loss of income, and property damage due to the negligence of another party ( at fault homeowner ) involved in an personal liability cases.

Medical payments - pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone. A basic homeowners policy pays $500 in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.

Loss of use - pays additional living expenses if your home is too damaged to live in during repairs. Most policies pay 10 to 20 percent of the amount of your dwelling coverage.

Standardized Policy means the policy language and coverages provided by these policies are the same, regardless of the company writing the policy. Although such a policy written by one company will be exactly the same as a policy written by another company, the two companies may charge different rates.

Companies that offer Alternative Policy Forms, may only do so if such policies are approved in advance by the Commissioner of Insurance. These policies are not standardized and often provide varying limits or other limitations on several coverages or covered perils offered under a standardized Texas Homeowners or ISO Homeowners policy form.

Read these Alternative Policy Forms very carefully to know exactly what coverages are included.

Some companies may sell more than one policy form but insurance agents/agencies often only one policy form to customers. If a company offers you a policy with less coverage than you’d like, ask your agent if other policy forms are available. You also may be able to add additional coverage by buying endorsements to your base policy.

Coverage may differ considerably from one company to another and from the coverage provided in the standardized Texas or ISO homeowners policies.

What Homeowners Policies Do and Don’t Cover

Most Policies Cover Losses Caused by Most Policies Do Not Cover Losses Caused by
Fire and lightning Flooding
Aircraft and vehicles Earthquakes
Vandalism and malicious mischief Termites
Theft Insects, rats, or mice
Explosion Freezing pipes while your house is unoccupied (unless you turned off the water or heated the building)
Riot and civil commotion Wind or hail damage to trees and shrubs
Smoke Losses if your house is vacant for 60 days or more
Windstorm, hurricane, and hail Wear and tear or maintenance
Sudden and accidental water damage that includes freezing pipes; however the limits or amount of coverage available for such losses may vary widely among the policies forms offered by different insurance companies.

(Note: The ISO HO-3 " All Perils " and Texas HO-B " Broad Form " Policy Form includes coverage up the full policy limits of the primary building coverage ) .

Water damage resulting from continuous and repeated seepage

(Note: The Texas HO-B " Board Form " Policy Forms does include coverage for continuous and repeated seepage)

Companies may exclude coverage for certain losses. For example, if you live on the Gulf Coast, you might receive an endorsement that excludes coverage for wind and hail damage. In areas with a history of hail storms, some companies provide only actual cash value coverage instead of full replacement cost for roofs. Actual cash value pays for damage minus depreciation on the roof, depending on its age and condition.

Most policies will not cover mold remediation beyond that necessary to repair or replace property damaged caused by a water loss otherwise covered by the policy. The HO-A policy doesn’t cover mold remediation or damage caused by water leaks, but some companies offer an endorsement that covers sudden and accidental water leaks. Some, but not all, of the other approved policy forms also cover sudden and accidental water leaks. Read your policy or ask your agent whether your policy covers water leaks and mold remediation.

Insurance companies are required to offer you mold remediation coverage. Depending on the company, this coverage will be offered in dollar or percentage increments up to 100 percent of your policy’s limits. If you have questions or concerns about how a mold claim is being handled, or if you need information about how to minimize mold losses, ask your insurance company for a set of guidelines regarding mold claims. Also read TDI’s Handling Water-Damage and Mold Claims publication.

For a side-by-side comparison of the coverages provided by the policy forms approved for sale in Texas, visit the website of the Office of Public Insurance Counsel (OPIC)

Standardized Types of Homeowners Policy Forms Offered In Today's Texas Insurance Market:

The Insurance Services Office ( ISO ) Homeowners Insurance Policy was developed and implemented nationwide in the 1950's as one of the best "package" policies available to insure your home. It combines both property and liability coverage conditions into a single policy with a indivisible premium charge.

The Texas Standard Homeowners Policy Form was developed & regulated during the same time period by the Texas Department Of Insurance (TDI) which remained unique and virtually unchanged until October 1, 1990, when the "readable" Texas Homeowners Policy was implemented.

Due to the recent  guidelines issued by the Texas Department Of Insurance (TDI) companies may now offer a wide variety of homeowners policy forms to Texas residents. 

Many such policies closely track the format of that the  Insurance Service Office ( ISO) Policy Form that was developed by ISO and is currently offered in most other states.

However, insurance companies may also offer alternative policy forms if TDI approved ; these alternative policy forms may offer significantly lower coverage limits or no coverage for several kinds of perils than would otherwise be covered under a standardized Texas Standard Homeowners Policy Forms or standardized  ISO Developed Policy Forms  .

While Texas insurance companies may offer several types of policies in Texas, each with a different level of coverage , the vast majority of insurance companies have chosen to offer one or more of the standardized policy forms & endorsements as follows:

Our agency staff highly recommends that you consider a ISO HO-3 or Texas HO-B Policy Form; approximately 80 % of Texas homeowners have elected these homeowners policy forms for their home. These Policy Form are regarded my many knowledgeable insurance professionals as among of the best available values in today's insurance market in terms of cost vs coverage.

Texas Homeowners Policy Forms

Specimen Texas Forms

Homeowners HO-A Named Perils Form Condominiums - HO-B-Con  Broad Form Condominium  
Homeowners HO-B Broad Form Condominiums - HO-C-Con  Comprehensive Condominium
Homeowners HO-C Comprehensive Form  
Tenants (Renters)- HO-BT Broad Form Tenants  
Tenants (Renters)- HO-CT Comprehensive Tenants  

Texas Property Endorsement Forms: (Note :These endorsements are used to increase , add, change, delete, or reduce coverage of homeowners policy forms )

HO-101 - Replacement Cost For Personal Property  - Provides limited replacement cost coverage on personal property, including scheduled property. It does not apply to items which are irreplaceable, not in good condition or obsolete. Replacement cost of watercraft is covered only up to a limit of $2,500 in excess of ACV. When HO-101 is attached to coverage forms HO-B and HO-C, wall-to-wall carpeting and cloth awnings are provided replacement cost coverage, but fences would still not be covered on a replacement cost basis. The form provides for recovery up to $1,500 of the difference between replacement cost and ACV, without requiring actual replacement of the property. The insured has up to 365 days to replace property in order to recover in excess of $1,500.

HO-130 - $250 Theft Deductible - Applicable only to tenant and condominium forms, this form applies a at $250 deductible to the peril of theft. The deductible shown in the Declaration for Deductible Clause #3 applies to losses caused by other perils.

HO-102 - Agreed Amount On Dwelling  - Available for use with forms HO-B and HO-C only, this endorsement essentially waives the requirement for an amount of insurance equal to at least 80% of replacement cost on the dwelling as required for Replacement Cost Coverage.

HO-135 - Increased Costs of Construction - Building Laws - Increases the building laws coverage provided by the HO 134, to 10, 15, or 25% of the Coverage A limit on the Homeowners policy. See the technical article.


HO-105 - Residence Glass Coverage - Provides glass breakage coverage on glass which is permanently attached to the described dwelling or other private structure on the premises. Coverage may be written on scheduled items with a specific limit, and/or may include all glass on an unscheduled basis with a at limit of $100 maximum on any one pane or plate. No deductible applies to the coverage provided by this endorsement. The basic policy and the endorsement may coordinate to cover a glass breakage claim.

Example #1: Vandalism damage to one plate worth $350; deductible #2 is $250:

  • Basic policy pays $100 ($350 less $250 deductible)
  • HO-105 pays $100
  • Total recovery $200

Example #2: Hail storm breaks five windowpanes worth $50 each, 5 panes worth $125 each, and 2 doors worth $250 each (total damage$1,375); deductible #1 is $250.

  • Basic policy pays $1125 ($1,375 less $250 deductible)
  • HO-105 limits 5 @ $50, 7 @ $100, total $950, but only pays $250 to indemnify for deductible.
  • Total recovery $1,375

HO-140 - Windstorm, Hurricane and Hail Exclusion Agreement
(HO-A, HO-B, HO-C, HO-CON-B and HO-CON-C only)
- Applicable only to property in one of the "first tier" counties along the coast, this eliminates the perils of windstorm, hurricane and hail from the policy with regard to direct and indirect losses to covered property. Certain indirect losses resulting from windstorm, hurricane and hail are excepted from the exclusion, leaving coverage on the homeowners policy for loss of rents and rental value, and additional living expenses for a secondary residence.
(See  Texas Independent Agent's Handbook article on the wind pool [TWIA] in the below Technical Resources Section  of this web page).

HO-110 - Increased Limit on Jewelry, Watches and Furs - Increases the special limit of $500 on these items. The total limit desired up to a maximum of $5,000 is shown in the Declarations.

HO-140B - Windstorm, Hurricane and Hail Exclusion Agreement
(HO-BT and HO-CT only)
Same as HO-140, except wind driven rain losses under an HO-CT are not excluded by this form.
HO-111 - Increased Limit on Business Personal Property  -Increases the special limit of $2,500 on business property. The total amount desired (no maximum) would be shown in the Declarations.

HO-142 - Exclusion of Residential Property Clause  - Eliminates the statutory Residential Property Clause in the conditions section.


HO-112 - Increased Limit On Money/Bank Cards - Increases the special limit of $100 on Money / Bank cards. The total amount desired (no maximum) would be shown in the Declarations.

HO-145 - Exclusion of Cosmetic Damage to Roof Coverings Caused by Hail - Excludes cosmetic damage to the roof covering caused by hail. Applies only to metal roofs for which the insured is receiving a premium credit.


HO-113 - Increase Limit On Bullion / Valuable Papers - Increases the special limit of $100 on Money / Bank cards. The total amount desired (no maximum) would be shown in the Declarations.

HO-160 - Scheduled Personal Property - Provides specific insurance on scheduled items within the classes of property shown on the endorsement. Jewelry and Fine Arts are insured on an agreed value basis. Other property is insured at actual cash value, unless replacement cost endorsement HO-101 is attached. The coverage provided is "all risk" and no deductible applies. Any items scheduled here are not covered on the basic policy due to paragraph "1." under Property Not Covered. Coverage applies anywhere in the world, except Fine Arts which are limited to the U.S. and Canada. The following basic exclusions apply to all classes: nuclear, war, wear and tear, gradual deterioration, moths, vermin or inherent vice. Newly acquired property of the same class as is scheduled is covered automatically for up to 90 days for an amount not exceeding 25% of the amount on that class. See the chart for specific provisions applicable to each class of property. (See also: "Scheduled Personal Property Valuation" and "Jewelry Valuation")

HO-115 - Loss Of Use Due To Mandatory Evacuation - ( Applicable only to Policy Forms HO-A / HO-B / HO-C ) - When your dwelling is subject to a mandatory evacuation order by a civil authority to evacuation additional living expenses is after 1st 24 hrs are covered  up to 14 days.

HO-160A - Scheduled Personal Property - Identical to HO-160, except provides for valuation of scheduled jewelry items on a modified actual cash value basis. The insurer can settle jewelry losses for the LEAST of the following amounts, unless the insurer at its option replaces the item with one of like kind and quality: (1) the amount for which the item can be repaired to its pre-loss condition; (2) the amount for which the item can be replaced with a substantially identical item; or (3) the amount shown in the schedule. Insurers are not required to use the HO-160A and may use the HO-160 either optionally or exclusively. To use the HO-160A, an insurer must tell TDI that it intends to do so. It is also possible for companies to file their own versions of this endorsement. (See also: "Jewelry Valuation")

 HO-115A - Loss Of Use Due To Mandatory Evacuation - ( Applicable only to Policy Forms HO-BT / HO-CT / HO-B_Con /HOC_Con ) - When your dwelling is subject to a mandatory evacuation order by a civil authority to evacuation additional living expenses is after 1st 24 hrs are covered up to 14 days.

HO-161 (for HO-A) / HO-162 (for HO-B) / HO-163 (for HO-C) / HO-164 (for HO-BT)  / HO-165 (for HO-B-CON)  /  HO-HO 166 (for HO-CT) / HO-167 (for HO-C-CON)

Mold, Fungi or Other Microbes Coverage -Adds a separate limit of insurance (not additional insurance) for the necessary and reasonable expense to remediate, repair or replace covered property for loss caused by ensuing mold resulting from water damage otherwise covered by the policy. Includes additional Loss of Use arising from a covered mold loss for the additional time required to remediate, repair or replace the damaged property. Establishes the separate limit as the maximum limit of coverage for all mold losses during the policy period. The limit of insurance is shown on the declarations page. The Texas Personal Lines Manual provides for limits options of 25 percent, 50 percent and 100 percent of the Coverage A, Coverage B and Loss of Use limits, but insurers may offer other optional limits up to and including 100 percent. (See also: technical article "Mold Endorsements")


HO-116 Loss Of Use Due To Loss Of Utilities ( Applicable only to Policy Forms HO-A / HO-B / HO-C )-  Applies to loss or interruption of  electricity , water , sewer, natural gas due to a covered peril after 1st 24 hrs are covered up to 14 days not to exceed 10% of Coverage A (Dwelling) limit.

HO-170 - Additional Extended Coverage Endorsement - Applicable to coverage form HO-A only. Adds additional named perils to the Perils Insured Against section for both the dwelling and unscheduled personal property. Since this endorsement includes loss caused by accidental discharge of water, it contains an exclusion of mold damage similar to the HO-161A described above.

HO-116A Loss Of Use Due To Loss Of Utilities (Applicable only to Policy Forms HO-BT / HO-CT / HO_B_Con / HO-C_Con )  - applies to loss or interruption of  electricity , water , sewer, natural gas due to a covered peril after 1st 24 hrs are covered up to 14 days not to exceed 10% of Coverage A (Dwelling) limit.

HO-180 - Condo Unit Owners Outbuilding and Other Structures Coverage  - Adds a specific limit of liability for structures on the condominium premises which are owned solely by the insured. Coverage is limited to the named perils when this form is attached to HO-B-CON. The limit is shown in the Declarations.

HO-120 - Windstorm Coverage for Television Antennas -Provides coverage for TV or radio antennas and masts, outside satellite dishes and their lead-in wiring. Requires description. Must be on the declared residence premises. Named peril coverage including fire, lightning, theft, vandalism, wind. Requires a limit be stated on the declarations page. No deductible.

HO-301 - Additional Insured Endorsement -With regard to Section I, this endorsement should be used for the following situations:

  • A dwelling owned and occupied by co-owners. One of the Co-owners would be the named insured and the other would be named here as an additional insured applicable to the dwelling only. A separate tenant homeowners policy could be issued for the additional insured to provide Coverage B and Section II coverage for that person.
  • Dwelling included as an asset of an estate and occupied by an heir. The occupant would be the named insured and the representative of the estate would be named as the additional insured.
  • Dwelling under contract of sale. The occupant-buyer would be the named insured and the seller is the additional insured.

  • Dwelling occupied by mother, father, son, daughter, grandparent or grandchild of the owner. The owner would be the named insured and the relative is the additional insured.

  • Dwelling owned by a "living trust." The occupant would be the named insured and the trust is the additional insured.

HO-121 - Windstorm Coverage for Greenhouses - Provides wind, hurricane, hail coverage for greenhouses, without which it would be absent in the policy. Requires description of greenhouse, and that it be located on the declared residence premises. Requires a limit be stated on the declarations page.

HO-305 - Amended Definition of Residence Premises - Used when a newly purchased home will not be occupied immediately. The basic policy allows up to 60 days of unoccupancy in such a situation; this endorsement extends the time period to 90 or 120 days.

HO-122 - Windstorm Coverage for Cloth Awnings  - Provides windstorm, hurricane and hail coverage. Requires a limit be stated on the declarations page. No deductible.

HO-380 - (For HO-B-CON)  / HO-381 - (For HO-C-CON) - Unit Owners Rental to Others - Amends the coverage form to cover personal property in a unit which is frequently rented to others. This does not delete the exclusion relating to theft of money, securities, jewelry or furs from the unit while it is rented. It also deletes the liability exclusion with regard to the rental of the described unit.

HO-125 - Physicians' Surgeons and Dentists Outside Coverage -Coverage B (Personal Property) applies to surgical, medical and dental instruments, apparatus , medicines and books while away from the insured's office and away for the residence premises. The bag, kit or instrument case in which such property is contained is included under this coverage.

HO-382 - Loss Assessment Coverage - Adds a specified limit of coverage shown in the Declarations, for amounts which the insured may be assessed in accordance with the condominium governing rules. The assessment must result from damage to the condominium property caused by peril insured against in the HO-B-CON or HO-C-CON, or an occurrence for which the condominium association is legally liable and a Section II exclusion in the HO-B-CON or HO-C-CON does not apply. A special deductible of $250 applies to any loss payable under this endorsement. If the assessment is the result of a deductible in the condominium's master policy, this endorsement will pay no more than $1,000.

HO 126 - Personal Computer Coverage - Provides higher limits and deletes the off-premises limitations (10% or $100, whichever greater). Broadens perils, reduces deductible to $100. Does not limit coverage to personal-use-only. Requires a limit be stated on the declarations page. Allows for "other insurance" in Coverage B to be excess. See also: "Functional Valuation Needed for Computers" in the CPP technical reports, and "The BOP is Not for Everyone", which suggest a full-blown computer policy including business interruption coverage, and extra expense coverage.


ISO Homeowners Polices and Endorsement Forms

Many times the title of the endorsement provides sufficient explanation of the coverage. These notes provide a general overview of their uses and the main changes accomplished by their attachment to the various homeowners forms. Refer to full copies of these forms to determine all the terms, conditions and exclusions. Along with these ISO endorsements individual companies can file their own in addition to or instead of these forms. Always secure specimen copies of these company unique endorsements to evaluate what changes are accomplished by the form.

ISO Specimen Homeowners Coverage Forms

HO 00 02 - Homeowners 2 - Broad Form
HO 00 03 - Homeowners 3 - Special Form
HO 00 04 - Homeowners 4 - Contents Broad Form
HO 00 05 - Homeowners 5 - Broad Form  
HO 00 06 - Homeowners 6 - Unit-Owners Form  
HO 00 08 - Homeowners 8 - Modified Coverage Form  

 ISO Endorsements / Optional  Coverages / Special  Provisions


Endorsements are presented in numerical order. If an endorsement applies only to Section I then (I) precedes the explanation. If an endorsement applies only to Section II then (II) precedes the explanation. When the endorsement changes both sections of the policy then (I/II) precedes the explanation.

HO 01 42 - Special Provisions - Texas

(I) This endorsement change the ISO developed policy forms to confirm to specified mandatory Texas homeowners policy language or policy provisions required by Texas Insurance States.

HO 04 85 - Fire Department Clause (Subscription Contract Services)

(I) This endorsement makes it a condition of the policy that should a contract exist with a privately owned fire department, that it be maintained for the policy period.


HO 03 12 - Windstorm or Hail Percentage Deductible

(I) Since only one deductible is anticipated in the policy wording, this deductible is necessary to achieve a separate deductible for wind and hail losses. It can be used on all forms except HO 4 and HO 6.

HO 04 91 - Coverage B - Other Structures Away From the Residence Premises

(I) This endorsement extends Coverage B - Other Structures limit to owned structures that are not located on the “residence premises” but are used by the named insured in connection with the “residence premises.” It can be used with the HO 2, HO 3, and HO 5 only.

HO 04 10 - Additional Interests (Residence Premises)

(I) If any party other than an “insured” or mortgagee has an insurable interest in the “residence premises” that person or organization shown on the endorsement is provided coverage for that interest and is granted cancellation and nonrenewal notice. This can be used when there is a co-owner occupant of a multi-family dwelling or for a mortgagee co-signer non-occupant.

HO 04 92 - Specific Structures Away From The Residence Premises

(I) This endorsement is similar to the HO 04 91, but sets up a specific limit for each structure.

HO 04 11 - Additional Limits of Liability For Coverages A, B, C, and D

(I) Sometimes referred to as ‘guaranteed replacement cost’ this endorsement will allow loss payment in excess of policy limits if the insured has set their policy limits based on property evaluations made by the insuring company with adjustments for inflation. It can be used on HO 2, HO 3 and HO 5 only.

HO 04 98 - Refrigerated Property Coverage

(I) This provides up to $500 coverage (subject to a special $100 deductible) for loss of contents of a refrigerator or freezer if there is a loss of power or a mechanical failure of the storage unit. The loss of power must be due to conditions beyond an “insured’s” control.

HO 04 12 - Increased Limits on Business Property

(I) This allows a selected limit to be provided in excess of the $2,500 sub-limit contained in the form. It also increases the off premises business property limitation to 20% of the total increased limit. The increased limit does not apply to home based businesses.

HO 04 99 - Sinkhole Collapse

(I) This adds Section I coverage for loss caused by collapse of earth that supports property resulting from voids beneath the surface of the ground created by water washing against limestone or similar rock formations.

HO 04 16 - Premises Alarm or Fire Protection System

(I) With this endorsement the insured formally agrees to maintain these systems and advise company of their change or removal.

HO 05 27 - Additional Insured - Student Living Away From The Residence Premises

(I/II) In this endorsement the names of the student and school is listed so that Section I and Section II coverages apply to the “insured” student. The student has insured status only while enrolled in the scheduled school and residing at the address shown on the endorsement.

HO 04 18 - Deferred Premium Payment

(I) When multi-year term policies are written this endorsement allows the premium to be paid in annual installments. Endorsements ISO Homeowners 01/04 125

HO 05 28 - Owned Motorized Golf Cart Physical Loss Coverage

(I) This endorsement sets a specific limit and deductible for ‘all risk’ coverage for the recreational use of described golf carts, subject to exclusions contained in the endorsement.

HO 04 20 - Specified Additional Amount of Insurance For Coverage A - Dwelling

(I) This allows the loss payment to be in excess of the policy limits for a pre-selected 25% or 50% of Coverage A increase. It is similar to the HO 04 11 but is restricted to a pre-selected increase amount and pertains to Dwellings only. It can be used on HO 2, HO 3 and HO 5 only.

HO 05 30 - Functional Replacement Cost Loss Settlement

(I) This provides for loss settlement on buildings to be based on the “cost to repair or replace the damaged building with less costly common construction materials and methods which are functionally equivalent to obsolete, antique or custom construction materials and methods used in the original construction of the building.” It can be used with the HO 2, HO 3, and HO 5 only.

HO 04 30 - Theft Coverage Increase

(I) The endorsement is only used on HO 8 and broadens the theft peril to apply to theft of property contained in any bank, trust or safe deposit company, or public warehouse (considered to be an ‘on the “residence premises” loss’), and allows for a limit to be established for theft losses occurring off the “residence premises.” It is also used to increase the policy’s $1,000 maximum loss limit for theft to any selected amount shown on the endorsement.

HO 05 41 - Extended Theft Coverage For Residence Premises Occasionally Rented To Others

(I) This amends the Coverage C Theft exclusion to allow for theft coverage of personal property from that part of the “residence premises” rented to a roomer or boarder as long as the ‘renting out’ is on an occasional (as opposed to regular) basis.

HO 04 35 - Loss Assessment Coverage

(I/II) This endorsement sets a separate limit above the $1,000 additional coverage for Section I type losses and Section II type losses. And sets a maximum of $1,000 if the assessment is the result of a deductible in the policy of insurance purchased by a corporation or association of property owners. Section I deductible would apply.

HO 05 43 - Residence Held In Trust

(I/II) This establishes “insured” status for a trustee, beneficiary and/or grantor named on the endorsement as regards Coverage C - Personal Property, Coverage D - Loss of Use, Coverage E - Personal Liability, and Coverage F - Medical Payments to Others. It also conveys cancellation and non renewal notice rights to whomever is named on the endorsement.

HO 04 36 - Loss Assessment Coverage For Earthquake

(I) This endorsement sets a separate limit and deductible for any property association’s assessment stemming from an earthquake loss. Minimum $250 deductible will apply.

HO 05 46 - Landlord's Furnishings

(I) This endorsement increases the $2,500 Additional Coverage limit to a selected amount per unit.

HO 04 40 - Structures Rented to Others (Residence Premises)

(I/II) When a separate structure located on the “residence premises” is rented to others, this endorsement is used to include both Section I and Section II coverage for this building. The limit is selected for the structure’s physical damage coverage.

HO 05 61 - Special Personal Property Coverage - Texas

(I) Used with the HO 4 only, this endorsement sets up ‘all risk’ coverage for Coverage C items, subject to exclusions contained in the endorsement.

HO 04 41 - Additional Insured (Residence Premises)

(I/II) This conveys “insured” status in Coverage A - Dwelling, Coverage B - Other Structures. Also provides Coverage E - Personal Liability, and Coverage F - Medical Payments to Others coverage, but only with respect to bodily injury or property damage arising out of the “residence premises.” It also grants cancellation and nonrenewal notice to the additional insured. This can be used when the home is being sold under contract of sale, naming the seller as the additional insured. This can also be used when the home is a multi-family structure to establish coverage under one policy for the coowners.

HO 05 80, HO 05 81, HO 05 82 - Property Remediation For Escaped Liquid Fuel and Limited Lead and Escaped Liquid Fuel Liability Coverages

(I/II) This sets up a Section I limit for remediation and a separate Section II policy aggregate limit for events involving the escape of liquid fuel from a storage container with storage capacity of 100 or more gallons of liquid used to fuel heating or cooling systems of a building, water heaters, ovens or stoves, or to power motor vehicles or watercraft owned by the insured but not used primary in business.

HO 04 42 - Permitted Incidental Occupancies (Residence Premises)

(I/II) This endorsement can be used if an office, private school or studio type business is conducted on the “residence premises” whether in the dwelling or in another structure. If business is conducted in another structure, it allows for the establishment of a separate limit on the structure. The endorsement also provides for the abolishment of the $2,500 business personal property sub-limit and provides Section II coverage for the necessary or incidental use of the “residence premises” to conduct the described business.

HO 07 50 through HO 07 72 - Home Business Insurance Endorsements

(I/II) For discussions of these various endorsements, please refer to the separate section entitled ‘Home Business Insurance Options.’

HO 04 43 - Replacement Cost Loss Settlement For Certain Non-Building Structures On the Residence Premises

(I) This endorsement sets replacement cost valuation for reinforced-masonry walls; metal, fiberglass, or plastic/resin fences; patio and walks (not made of wood); and, driveways.

HO 16 09 - Water Exclusion Endorsement

Used with HO 2, HO 4 and HO 6, this amends the water exclusion to clearly preclude coverage for tsunami, storm surge, and escape or overflow from a dam, levee, seawall or any other boundary or containment system.

HO 04 45 - Limited Fungi Or Microbes Coverage - Texas

(I) This endorsement sets a separate limit for remediation, testing and loss of use for losses involving fungi (mold) or other microbes proximately caused by a covered cause of loss.

HO 16 10 - Water Exclusion Endorsement

Used with HO 3 and HO 5, this amends the water exclusion to clearly preclude coverage for tsunami, storm surge, and escape or overflow from a dam, levee, seawall or any other boundary or containment system.

HO 04 46 - Inflation Guard

(I) This establishes a percentage amount that increases limits of Coverages A, B, C and D pro-rated during the policy period.

HO 17 33 - Unit-Owners Rental To Others

(I/II) This is used with HO 6 to provide coverage under Section I and II while the unit is rented or held for rental. Certain classes of property (money, securities, jewelry) are not included as regards theft coverage, but other than these property limitations, theft coverage is retained for the rented property.

HO 04 48 - Other Structures On the Residence Premises - Increased Limit

(I) This establishes a separate limit in addition to Coverage B limit for specifically described detached structures on the residence premises.

HO 17 34 - Unit-Owners Modified Other Insurance And Service Agreement Condition

(I) Used with the HO 6 only, this amends the other insurance clause as regards other insurance or service agreements to set the coverage under the HO 6 as excess to the amount due under other insurance or a service agreement in the name of a corporation or association of property owners whether proceeds from the service agreement are collectable or not.

HO 04 49 - Building Additions and Alterations - Other Residences

(I) If the insured’s secondary residence is a rented unit the insured may have an insurable interest in any improvements made to the rented residence. These building property items can be protected by this endorsement.

HO 17 90 - Unit-Owners Coverage C Special Coverage - Texas

(I) Used with the HO 6 only, this endorsement sets up ‘all risk’ coverage for Coverage C items, subject to exclusions contained in the endorsement.

HO 04 50 - Personal Property At Other Residences (Increased Limit)

(I) To increase the 10% extension to person property at other residences, this endorsement provides an additional limit of coverage.

HO 17 91 - Unit-Owners Coverage A Special Coverage - Texas

(I) Used with the HO 6 only, this endorsement sets up ‘all risk’ coverage for Coverage A items, subject to exclusions contained in the endorsement.

HO 04 51 - Building Additions and Alterations (Increased Limit)

(I) Used on the HO 4 only, this endorsement increases the 10% of Coverage C limit to provide for the improvements made to the residence occupied but not owned by the insured.

HO 23 02 - Special Loss Settlement - Texas

(I) (This replaces HO 04 56) This is used to reduce 80% insurance to value requirement in order to achieve replacement cost on buildings and sets jewelry at replacement cost without deduction for depreciation. Replacement cost loss payment can be based on insurance to 50%, 60% or 70% to value instead of the 80% as required in the Loss Settlement clause. Used on HO 2, HO 3 and HO 5 only.

HO 04 52 - Livestock Collision Coverage

(I) This is added to pick up coverage to livestock owned by the insured and killed as the result of a vehicle accident. Maximum provided per head of livestock is $400.

HO 23 03 - Scheduled Personal Property Endorsement - Texas

(I) (This replaces HO 04 61) This endorsement provides specific, scheduled coverage for Furs, Cameras, Musical Instruments, Silverware, Golfer’s Equipment, Fine Arts, Postage Stamps, and/or Rare and Current Coins. All risk coverage is provided to scheduled items (subject to endorsement exclusions) with losses on all types of property valued on a replacement cost basis if used in conjunction with the HO 23 04 - Personal Property Replacement Cost Loss Settlement -Texas endorsement. Only fine arts is provided coverage on an agreed value basis. Special loss settlement provisions are provided for Postage Stamps and Coins. See HO 04 60 to provide coverage on an agreed value basis.

HO 04 53 - Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage (Increased Limit)

(I) This endorsement is used to set up an additional amount of coverage above the $500 Additional Coverage provided for these types of losses.

HO 23 04 - Personal Property Replacement Cost Loss Settlement - Texas

(I) (This replaces HO 04 90) This provides replacement cost loss valuation on personal property, awnings, outdoor antennas, outdoor equipment, carpeting and household appliances. It also extends replacement cost to scheduled personal property items not subject to agreed value or other special loss provisions when the HO 23 03 - Scheduled Personal Property Endorsement - Texas is attached. When attached to the HO 4, this endorsement also provides replacement cost on building additions and alterations.

HO 04 54 - Earthquake

(I) This adds the peril of earthquake to the policy subject to a special deductible. Damage to the exterior masonry veneer is excluded; but, by additional premium, this exclusion can be deleted.

HO 23 05 - Actual Cash Value Loss Settlement Windstorm Or Hail Losses To Roof Surfacing - Texas

(I) (This replaces HO 04 93) The title says it all. The inclusion of this endorsement does not change the limit of coverage for the dwelling or other structure (building items). Replacement value of the entire dwelling should be used to establish the Coverage A limit (or for the Other Structure the Coverage B limit). It can be used with all forms except HO 04.

HO 04 58 - Other Members Of Your Household

(I/II) This conveys insurance protection to the named person but they do not become a full “insured” under the policy. Full Section II coverage is granted. Coverage C is provided for the named person both on and off the “residence premises.” Usually this is used when other adults are members of the insured’s household who do not qualify as spouse or family member.

HO 24 13 - Incidental Low Power Recreational Motor Vehicle

(II) This provides for Section II coverage for owned recreational vehicles off the “insured location” if they were not built or modified to exceed 15 miles an hour, but does not apply to motorized bicycles, mopeds, or golf carts.

HO 04 59 - Assisted Living Care Coverage

(I/II) This unique endorsement extends Personal Property and Liability coverage to a relative of the “insured” who resides in a scheduled living care facility. Coverage for property owned by the facility and rented or used by the named individual is not covered. Policy deductible would apply to any loss. In addition to the policy’s special limits, the endorsement applies the following additional special limits: $250 for each hearing aid; $100 for each pair of eye glasses; $100 for contact lenses; $500 for false teeth or dentures; $500 for a medi-alert device; $250 for canes, walkers or other walking aids; $500 for each wheelchair. Medical Payments is not included in this coverage extension.

HO 24 43 - Permitted Incidental Occupancies (Other Residences)

(II) This extends Section II coverage arising out of the necessary or incidental use of a premises used in business (office, private school, or studio) shown on the endorsement.

HO 04 60 - Scheduled Personal Property Endorsement (With Agreed Value Loss Settlement)

(I) This is used to provide specific, scheduled coverage for Jewelry, Furs, Cameras, Musical Instruments, Silverware, Golfer’s Equipment, Fine Arts, Postage Stamps, and/or Rare and Current Coins. All risk coverage is provided to scheduled items (subject to endorsement exclusions) with losses on all types of property valued on an agreed value basis. (See also HO 23 03 - Scheduled Personal Property Endorsement - Texas )

HO 24 50 - Personal Injury - Texas

(II) This liability endorsement expands Coverage E -Personal Liability to include injuries arising from: false arrest, detention or imprisonment; malicious prosecution; wrongful eviction, entry, or invasion; slander or libel; violation of right of privacy.

HO 04 65 - Coverage C Increased Special Limits of Liability

(I) This is used to set up selected limits to increase the sub-limits for Money; Securities; Jewelry, Watches and Furs; Firearms; Silverware; and Electronic Apparatus. When used to increase the theft limit on jewelry, watches and furs the endorsement imposes a maximum value per item of $1,000.

HO 24 64 - Owned Snowmobile

(II) This endorsement extends Section II coverage arising out of the off the “insured location” use of owned snowmobiles that have been described on the endorsement.

HO 04 67 - Water Damage Coverage - Texas

(I) This endorsement allows the policy to respond to damage caused by constant or repeated seepage or leakage of water or steam from within a plumbing, heating, air conditioning, automatic fire protective sprinkler system, or household appliance. This can be used on the HO 3 and HO 5 only.

HO 24 70 - Additional Residence Rented To Others; 1, 2, 3, or 4 Families

(II) This endorsement expands the definition of “insured location” to include the listed rented residences, thereby granting Section II protection.

HO 04 68 - Foundation Coverage - Texas

(I) This sets up 15% of Coverage A (not an increase in the Coverage A limit) to be used to pay for damage to foundations caused by seepage or leakage of water or steam from within a plumbing, heating, air conditioning, or automatic fire protective sprinkler system. This can be used on the HO 3 and HO 5 only.

HO 24 71 - Business Pursuits

(II) This amends Section II coverage to provide liability protection for claims arising out of business pursuits. This does not apply if the “business” is owned or financially controlled by the “insured” or by a partnership of which the “insured” is a partner or member.

HO 04 69 - Water Back Up and Sump Discharge or Overflow - Texas

(I) This sets up $5,000 (not an increase in Coverage A limit), subject to a $250 deductible, to be used to pay for damage caused by water or water borne material that backs up through sewers or drains, or comes from sumps or sump pumps.

HO 24 72 - Incidental Farming Personal Liability

(II) This deletes the described farming operations from the business exclusion in the liability section of the policy. This endorsement may be used when farming is conducted on the “residence premises” when farming is not the insured’s primary source of income; when the “residence premises” is used for sheltering and grazing animals; and, when the incidental farming activities are away from the “residence premises” at a stated location.

HO 04 70 - Windstorm or Hail Exclusion - Texas

(I) This endorsement deletes these perils from Section I.

HO 24 73 - Farmers Personal Liability

(II) This substitutes the entire liability and medical payments section to include provisions for farming operations at the described dwelling or elsewhere. It also includes employer’s liability on farm employees as a coverage option. This form contains a pollution liability exclusion except on a sudden and accidental basis.

HO 04 71 - Actual Cash Value Loss Settlement - Texas

(I) This is used on the HO 2 only, to delete any replacement cost valuation from the Loss Settlement clause for all covered property except for jewelry which receives replacement cost without deduction for depreciation.

HO 24 75 - Watercraft

(II) This endorsement extends Section II coverage to accidents involving scheduled watercraft.

HO 04 72 - Special Computer Coverage - Texas

(I) This endorsement sets up ‘all risks’ coverage for hardware, software, and other electronic systems used with computers; however, policy deductible still applies. This endorsement does not change the off premises limit and does not eliminate the “business” personal property limitation. Exclusions include, but are not limited to: damage caused by animals owned or kept by an “insured”; damaged caused by vermin, birds, rodents; dampness of atmosphere or extremes of temperature; and constant or repeated seepage or leakage of water or steam. It can be used on all forms except HO 5, HO 4 when written with HO 05 61, or HO 6 when written with HO 17 90.

HO 24 96 - Exclusion of Farm Employees Illegally Employed

(II) If the insured purchases employer’s liability under the HO 24 73, this endorsement excludes injuries to undocumented workers.

HO 04 73 - Coverage C Increased Special Limits of Liability - Texas

(I) This endorsement is for use with HO 5, HO 4 when written with HO 05 61 or HO 06 when written with HO 17 90. This accomplishes the same increases as HO 04 65 with provisions that the theft limitations also apply to loss caused by misplacing or losing the items.

HO 42 10 - Exclusion of Residential Community Property Clause - Texas

(I) This endorsement deletes the statutory community property clause contained within the HO 01 42 - Special Provisions - Texas endorsement.

HO 04 77 - Ordinance or Law Increased Amount of Coverage

(I) The terms of this endorsement increase the basic limit of 10% contained within the form to some other selected percentage amount.

HO 42 97 - Identity Fraud Expense Coverage - Texas

(I) Provides additional coverage up to $15,000 for expenses incurred as a result of identity fraud.

HO 04 78 - Multiple Company Insurance

(I/II) This endorsement sets up the structure of loss payments when more than one insurance company provides coverage on the same “residence premises.”

 Technical Resources

This online information resource is only available to our agency customers with secured limited access up to three days through a temporary user id / password protected web site. Please contact our agency personal lines underwriting staff and they will issue you a secured three days limited access user id / password.

To Get More Details Regarding Coverage Provided By Above Standardized Policy Forms 

1 . Click Above Image

2.  Open " Policy Coverage " Folder

3. Scroll Down To " Homeowners Policy " then click open any homeowners policy file you wish to review.


Other Residential Policies

  • Renters: A landlord’s insurance does not cover a renter’s personal property. Renters insurance covers your belongings, provides liability protection, and pays additional living expenses if a fire or other disaster forces you to move temporarily from your rented home.
  • Condominiums: Condominium insurance matches the benefits of renters insurance, and also covers damage to improvements, additions, and alterations to the condominium unit.
  • Townhouses: Townhouses may be insured by either an individual homeowners policy or an association master policy. If a townhouse is owner-occupied and the townhouse association does not have a master policy on the building, you can purchase a homeowners policy on your individual unit. If the association has a master policy, you should get a Texas tenant homeowners policy to insure your personal property.
  • Mobile homes: Mobile homes without wheels and resting on blocks or a permanent foundation qualify for a homeowners policy. However, most mobile homes are insured by a Mobil homeowners policy. A Mobil-owners policy is actually an auto policy that covers mobile homes used as residences. Mobil owners policies offer extremely limited coverage.
  • Farm and Ranch owners: Farm and ranch owners policies insure homes outside city limits on land used for farming and raising livestock. You can pay extra and get coverage for certain farm equipment and outbuildings.

Maintain Adequate Coverage

Buy enough coverage to avoid a major financial loss if your home is severely damaged or destroyed. This means keeping a realistic dollar amount of coverage on your house.

Replacement Cost Coverage of Your House

The standardized HO-B and HO-C policies provide replacement cost coverage for your house, up to your policy’s dollar limits. Replacement cost is what you would pay to rebuild or repair your home, based on current construction costs. Replacement cost is different from market value and does not include the value of your land. If you are not sure of the amount it would cost to rebuild your home, your company or agent usually has construction cost tables to help you determine the cost.

To receive full payment (minus your deductible) for a partial loss, such as a hail-damaged roof, you must insure your house for at least 80 percent of its replacement cost. If you insure your house for less than 80 percent of the full replacement cost, the insurance company may only allow a actual cash ( minus depreciation may apply ) settlement value ; instead of the full current replacement cost you incur.

Unless you buy an endorsement increasing your coverage, HO-A policies only provide actual cash value coverage. Actual cash value is the replacement cost of your property minus depreciation. If your home is destroyed and you only have actual cash value coverage, you may not be able to completely rebuild.

If you have an HO-A amended policy or an approved alternative policy, read your policy carefully to know whether it offers replacement cost coverage or actual cash value coverage.

Your Policy’s Dollar Limits are Important

If you insure your house for $100,000, that’s the most you will get if it’s destroyed, even if it would cost more to replace. The Declarations Page on the front of your policy shows how much coverage you have. Talk with your agent or company representative if you have any questions about your insurance limits.

Don't wait until you have a claim to learn your if policy’s limit is provides adequately coverage property or liability coverage .

Coverage for Your Personal Property

HO-B policies automatically cover household contents – furniture, clothes, appliances, etc. – up to 40 percent of the amount of your dwelling coverage. This means if your house is insured for $100,000, its contents are insured for up to $40,000. You can get more coverage by paying a higher premium.

Personal property coverage pays only the actual cash value of damaged, stolen, or destroyed household goods unless you buy replacement cost coverage. Actual cash value is an item’s replacement cost, minus depreciation.

Replacement cost coverage offers you more protection than actual cash value coverage up to 40 percent of the amount of your dwelling coverage . If a burglar steals your six-year-old television set, for example, and you only have actual cash value coverage, you get only what you would expect to pay for a six-year-old television set. With replacement cost coverage, the insurance company pays to replace your TV with a new set similar to the stolen one.

Companies generally want you to prove that you replaced an item before they’ll pay your claim in full.. However, if you have an HO-B policy, the company must advance you the first $1,500, plus the depreciated value of any other damaged property, without requiring proof of replacement. After that, the company must pay you within five business days after receiving proof you replaced, restored, or repaired the property. A company can offer to replace the items instead of paying cash, but the choice is yours.

Take Inventory of Your Property

Many people learn after a fire or storm that they didn’t have enough personal property coverage. Making an inventory will help you decide how much insurance you need. It will also simplify claims.

Your inventory should list each item, its purchase date, value, and serial number. Photograph or videotape each room, including closets, open drawers, storage buildings, and garage. Keep the inventory and receipts for major items in a fireproof place or another location.

Homeowners insurance on certain personal items like jewelry and furs is limited. You may be able to buy more coverage for an extra premium.

Other Types of Insurance You Might Need

Flood Insurance

Texas ranks near the top of the nation in weather-related property damage each year. A large portion of this damage is caused by flooding.

Most Homeowners policies do not cover flood damage. To protect yourself from losses caused by most flooding, you can purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP) administered by the Federal Emergency Management Agency. Local insurance agents sell NFIP flood policies and can tell you about the program in your area. For more information, call NFIP

If a lender determines that a property is in a special flood hazard area, the borrower is required to purchase flood insurance. A special flood hazard area has a 1 percent chance of being inundated by flood.

Hurricanes and Windstorm Insurance

The Texas Windstorm Insurance Association (TWIA) is the state’s insurer of last resort for wind and hail coverage in the 14 coastal counties and parts of Harris County on Galveston Bay. TWIA provides wind and hail coverage when insurance companies exclude it from homeowners and other property policies sold to coastal residents. You can buy TWIA coverage through local insurance agents if you need it.

When a hurricane enters the Gulf of Mexico (80 degrees longitude and 20 degrees latitude), you can no longer change or purchase new windstorm coverage.

If you plan to build, add to, or renovate a home or other structure and want TWIA coverage, you or your builder should request an inspection by a TDI windstorm inspector or a Texas licensed professional engineer appointed by TDI. Your agent can tell you how to get an inspection. For more information about windstorm coverage, contact TWIA

Earthquake Insurance

If you are concerned about earthquakes, you can get coverage with a separate policy. The cost is relatively low because earthquakes are rare in Texas.

Extra Coverage (Endorsements)

You might want more coverage than your policy provides for certain items. For an extra premium, you may be able to buy endorsements that expand or increase the coverage on these items. Some of the most common endorsements expand or increase coverage for jewelry, fine arts, camera equipment, coin or stamp collections, computer equipment, and radio and television satellite dishes and antennas.

Personal Umbrella Liability Insurance

If you have assets to protect and want more liability coverage than a homeowners policy provides, you can buy a separate umbrella policy. Because policies vary, make sure the agent or company fully explains the coverage.

Shopping for Homeowners Insurance

Rates vary widely among companies, so it pays to shop around. Following are some useful tips to help you find the best deal for your money:

  • Decide before shopping the specific coverages and coverage amounts you need.
  • Choose the highest deductible you can afford. Your deductible is the amount you must pay yourself before the insurance company will pay. Higher deductibles will lower your premium, but remember that you’ll have to pay more out of your own pocket if you have a claim.
  • Because rates vary, ask several companies and agents for price quotes. When comparing rates, make sure they are for the same coverages. TDI publishes a homeowners rate guide that can help you shop. The rate guide lists companies and their annual premiums for policies with $100,000 coverage on the house, $40,000 on its contents, and a 1 percent ($1,000) deductible.
  • Ask your agent whether you qualify for discounts.
  • When getting a price quote or applying for insurance, answer questions truthfully. Wrong information could cause you to get an incorrect price quote or could lead to a denial or cancellation of coverage.
  • Consider factors other than price, including a company’s financial rating, complaint index, and license status. The financial rating indicates a company’s financial strength and stability, and the complaint index is an indication of its customer service record. Buy only from licensed companies and agents. It is against the law to sell insurance without a license in Texas.
  • Learn more about a company, including its licenses status, complaint history, and financial rating from an independent rating organization by a calling TDI’s Consumer Help Line or by visiting the TDI website
in Austin

Understanding Rates

Texas law requires rates for insurance offered in Texas to be reasonable, adequate, not excessive to the risks for which they apply, and not unfairly discriminatory.

All homeowners companies must file their rates for prior approval with TDI. The rate-filing process is complex, but in general, TDI reviews each company’s filed rates and underwriting guidelines and determines whether the rates and guidelines are appropriate. Companies may appeal adverse rate decisions in an administrative hearing and then in district court. If a company appeals a TDI rate decision, it may implement its filed rates pending the outcome of the appeal. If the appeal determines that the rates were indeed excessive, the company will be ordered to pay refunds, plus interest, to the policyholders it overcharged.

Residential property rates utilize a system called “file and use.” Under this system, companies file their rates with TDI, but they do not need prior approval to implement new rates. If TDI determines that a company’s rates are excessive, the company can be ordered to pay refunds to the policyholders it overcharged. Companies can appeal adverse rate decisions.

A company can change your individual premium only at your policy renewal time.

Factors that Affect Your Premium

Companies may use a number of criteria to establish your individual premium. These include:

  • Age and condition of your home. Older homes and homes in poor condition are generally more expensive to insure. Companies may refuse to insure homes in poor condition, but they can’t deny coverage solely because of a home’s age or value.
  • Your home’s replacement cost. Since your policy will pay to rebuild your home if it is destroyed by a covered loss, premiums are more expensive for homes with a high replacement cost.
  • Construction materials used in your home. Homes built primarily of brick are less expensive to insure than frame homes.
  • Where you live. Premiums will likely be higher for homes in areas with a high frequency of storms, such as tornados or hailstorms, or with a high incidence of theft.
  • Availability of local fire protection. Homes with access to good fire protection services get better rates. If you live in an area with limited fire protection, your rates will be higher.
  • Your claims history. Companies will charge more if you’ve filed claims in the past. Before filing a claim, it’s a good idea to ask your agent or the company’s underwriting department how it will affect your premium at renewal time. For less expensive losses, it may be cheaper in the long run to pay for repairs yourself rather than file a claim. This is especially true for repairs that wouldn’t cost much more than the amount of your deductible.
  • Your credit score. Companies may consider your credit score and request an applicants social security number when deciding whether to sell you a policy and what to charge you. However, a company cannot refuse to sell you a policy or cancel or non-renew your policy solely on the basis of your credit.

Having Trouble Insuring Your Home?

If you are having difficulty finding a homeowners policy, it may be helpful to take steps to reduce your chances for a loss. Here are some things you can do:

Remove Potential Risks

You can make your home more insurable by changing things that insurance companies and agents interpret as signs of potential risk. Look around your home for problems that could cause damage or injury, such as a heavy tree limb hanging over your roof, loose porch railings, or cracks in your walkways.

Watch Out for Crime

Since theft is a common cause of homeowners claims, some insurers may not be willing to insure homes that seem vulnerable to crime. While you cannot stop crime by yourself, you can take a few steps to make yourself less vulnerable. These precautions could also lower your insurance premiums.

  • Call the crime prevention officers of your local police force. They can inspect your home and give you specific advice on protecting it.
  • Install dead bolts or other security devices on doors and windows.
  • Work with your neighbors to start a Neighborhood Watch Program. Your local police department has helpful information.
  • Install a burglar alarm that alerts the police or a security company.
  • Keep trees and shrubs trimmed, especially around windows and entryways. Overgrown shrubbery can provide hiding places for would-be burglars. Avoid parking cars on the street. Cars parked on the street are tempting targets for thieves and vandals and, like overgrown shrubs, can provide handy hiding places.
  • Keep the area around your home well-lit.
  • Permanently mark personal property with an identifying number to aid in identification if stolen items are recovered.

Maintain Your House and Yard

Your home’s appearance is important when you’re looking for insurance. Since companies want to avoid losses from injuries or accidents, agents look for signs of poor maintenance. Agents might assume that a cluttered yard and faded paint suggest an unsafe home. The outside of your home will be inspected when you apply for insurance, often when you are not at home. Insurance companies have the right to cancel a policy within the first 60 days, and some may reject new customers because an inspection revealed a home in need of repair.

  • Fix any obvious signs of damage, such as rotting boards, sagging screens, or a loose front door.
  • Remove anything from your property that could easily cause an accident.
  • Replace a damaged or badly worn roof. Water stains on a ceiling tell an agent inspecting the inside of your home that you might have a future claim for water-damaged property.
  • Keep your yard clean and trim.
  • If your paint is peeling or faded, consider repainting.

Other Options for Insuring Your Home

Texans having trouble finding homeowners insurance from licensed companies may have other options for coverage. The following programs may be able to help:

Texas FAIR Plan Association

The Texas FAIR Plan Association provides the standard Texas HO-A homeowners insurance policy form to qualified consumers. To be eligible for coverage, a consumer must have been denied insurance by at least two licensed insurance companies writing residential property insurance in Texas and may not have received a valid offer of comparable insurance from a company licensed in Texas. For more information, call TDI or contact the Texas FAIR Plan Association

If you’re still unable to find insurance, your last resort might be to obtain insurance from a surplus lines carrier. Surplus lines carriers are out-of-state companies not licensed in Texas, but legally eligible to sell insurance on risks that licensed companies won’t cover. Surplus lines carriers generally charge more than licensed companies and offer less coverage. Surplus lines carriers are not members of a guaranty association. This means that your claims might go unpaid if the surplus lines carrier becomes unable to pay its claims.

Before you buy from a surplus lines carrier, make sure there are no other options. Agents must make a “diligent effort” to find coverage with a licensed company before offering you a surplus lines policy. Ask which licensed companies turned you down, and why. Companies must justify rejections.

Losing Your Insurance

Knowing your rights can help if you are rejected for homeowners insurance or lose your coverage. If you request it, a company must explain in writing its reason for declining, canceling, or not renewing your policy. Texas law prohibits companies from denying, canceling, or refusing to renew a policy solely on the basis of your credit. You may file a complaint with TDI if you believe a company improperly denied you insurance.


Many companies use the Comprehensive Loss Underwriting Exchange (CLUE) to review an applicant’s claims history. CLUE lists the property insurance claims history of houses – regardless of ownership – and individuals for the preceding three years.

Federal law gives you the right to challenge wrong information. If an insurance company based part of its decision to deny you coverage on a CLUE report, you can get a free copy of the report by calling the ChoicePoint Consumer Center or visiting its website

Before calling, get the CLUE reference number from the company’s denial letter or from the company. Using the reference number will speed the process by making sure you are requesting the right report.

CLUE is a registered trademark of Equifax Inc.

Cancellation and Nonrenewal

Cancellation means either you or the insurance company stops coverage before your policy’s normal expiration date.  If either you or the company cancels your policy, the company must refund any premiums paid in advance that did not buy coverage. This amount is called the “unearned premium.” For example, if you paid an annual premium of $600 and you cancel your policy after one month, the company owes you $550 in unearned premium.

Nonrenewal means a company refuses to renew your policy when it expires. A company must give you written notice at least 30 days before your policy’s expiration date. If the company does not notify you in writing in the required time, it must renew the policy at your request.

Note: A company cannot non-renew or raise your premium because of a claim you filed that was not paid or was not payable under your policy.

Cancellation and Nonrenewal Summary for Residential Policies


Notice Required from Company: 10 days (30 days’ notice is required if the policy is canceled within the first 60 days)

A company may cancel your policy within the first 60 days only if it identifies an undisclosed additional risk of loss that is not the subject of a prior claim.

A company may not cancel your policy after 60 days, except for fraud, increased risk, or nonpayment of premium.


Notice required from Company: 30 days

A company may non-renew your policy for deterioration of your property or if you file three or more non-weather related claims in three years.


  • If the company fails to notify you after a second non-weather related claim, it cannot refuse to renew your policy because of a third claim.
  • A company cannot use the first two appliance-related claims to determine the number of non-weather related claims for the purposes of non-renewing your policy.
  • Instead of nonrenewal, the company can charge an added premium called a surcharge. A company can add a surcharge for filing two or more non-weather related claims in the previous policy year.
  • A company may require you to make repairs to your home before renewing your policy. Generally, companies will give you six months to a year to make repairs. If the repairs are needed because of a storm or other covered loss, the company must pay for the work (minus your deductible). If the repairs are required because of deterioration or normal wear and tear – a worn-out roof, for instance – you are responsible for paying for them yourself.

A company may not non-renew your policy for weather-related claims or for claims that were not paid or not payable under your policy.

Keep in mind that if you move out of your house and it remains vacant for 60 days or longer, most policies automatically suspend coverage for damages. The policy’s liability coverages will continue, however. The vacancy also could cause the company to refuse to renew the policy when it expires.

Your Rights Against Unfair Discrimination

An insurance company cannot deny, refuse to renew, limit, or charge more for coverage because of your race, color, religion, or national origin.

A company also cannot deny, refuse to renew, limit, or charge more for coverage because of your age, gender, marital status, geographic location, disability or partial disability, unless the refusal, limitation, or higher rate is “based on sound underwriting or actuarial principles.” Sound underwriting or actuarial principles means the company would have to show valid statistical evidence that your home presents a greater risk for a loss than other homes it is willing to insure.

A company cannot unfairly discriminate between individuals of the same rate class and with essentially the same risk in its rates, policy terms, and benefits, or in any other manner unless the refusal, limitation, or higher rate is “based on sound actuarial principles.

In addition, a company cannot refuse to insure a home based solely on its age or low value. Companies can offer discounts for newer homes and require updates to the wiring, plumbing, and heating systems before agreeing to insure an older home.

If You Have a Claim

If you have a claim, the company must start investigating your claim within 15 days after receiving written notice. However, the company may ask you for more information. Once you send the information, the company has 15 business days to accept or reject your claim. If the company agrees to pay, it must do so within five business days. If the company rejects your claim, it must explain its reasons in writing.


  • A company that needs more time can take 45 days to make a decision if it sends you a notice explaining the delay.
  • A company that suspects arson has 30 days after receiving the required paperwork to either accept or reject a claim.
  • TDI can give companies an extra 15 days after a major natural disaster.
  • Surplus lines carriers have 20 days to pay your claim after agreeing to do so.

A company that takes too long to pay is liable for your reasonable attorney fees plus damages equal to 18 percent of your claim if you sue and win. In an insurance claim lawsuit, the insurance company has the burden of proving it was not obligated to pay.

If you are financing your home, your insurance company may require your lender to sign or approve your claim check. When this happens, the lender must act within 10 business days after receiving the request. Failure to act within this time period could result in a $500 civil penalty. Complaints about lenders failing to process claim payments should be directed to the Texas Attorney General’s Office

Claim Tips

To make the claim process run smoothly and to protect your rights, follow these steps:

  • Know your coverage. Your policy’s dollar limits and benefits appear on your policy’s Declarations page. If you need help, ask your agent or company representative.
  • If you have a loss, notify your agent or insurance company immediately. Report losses involving theft or crime to the police.
  • Make a list of your damaged property. If possible, photograph or videotape the damage before making any repairs.
  • Make only temporary repairs to protect your house and belongings. The insurance company may deny your claim if you make permanent repairs before it inspects the damage. If you are not sure whether a repair is considered permanent, contact the insurance company before beginning repairs. The cost of these repairs and for storing personal belongings is covered by your policy. It is important to make only temporary repairs.
  • Keep receipts. For personal property claims, you must provide evidence that you bought the replacement items. If you bought materials for temporary repairs, receipts will help you get reimbursed quickly.
  • Try to be there when the insurance company’s adjuster inspects your home. You may have your contractor or builder with you. Your contractor or builder may discuss estimates or technical specifications with the adjuster or your insurance company.
  • If you have to move because of a disaster, make sure your address is visible. Leave a sign with your temporary address, phone number, and the name of your insurance company.

Proof of loss. Within 15 days after you report your loss, the company may request a signed, notarized proof-of-loss form. In most cases, the company will ask you to estimate the replacement cost of the household items you lost and the cost of repairing your home. Contractors, catalogs, and retailers are good sources of current price information.

  • Include sales tax in your cost estimates.
  • Ask whether you should use exact costs, or if you can round numbers to the nearest dollar.
  • Don’t forget to include small items such as kitchen utensils or clothing accessories.
  • The company will use the form to decide the value of your claim, so make your list as complete and as detailed as possible. Include photos and receipts. Be sure to keep copies for your records.

Final estimate. The adjuster will prepare an estimate of the cost to repair or replace your home and any personal belongings. The insurance company’s offer is based on this estimate.

Disputes. If you disagree with the adjuster’s estimate, tell the company why. The company may have overlooked something and may make adjustments. If you still disagree, you can use a process called appraisal.

The appraisal process governs only disputes over the amount to be paid. It is not for settling disputes about coverage or the cause of a loss.

You and the company each hire an appraiser. The two appraisers then choose a third one as umpire. Your appraiser and the company’s appraiser make their own estimates of your loss. If they differ, the umpire makes the final decision, which is binding on both you and the company. You are responsible for the expenses of your appraiser and for half of the umpire’s expenses.

Public insurance adjusters. Public insurance adjusters charge fees to help negotiate claim settlements with insurance companies. If you hire a public adjuster, you may have less money to repair or replace your property.

The public adjuster’s fee may be a flat fee, an hourly rate, or a percentage of the amount paid in the settlement of the claim. The method for calculating the commission must be included in the public adjuster’s contract with you, along with a statement that the adjuster’s commission may not exceed 10 percent of the entire claim. In some instances, a public adjuster is entitled only to reasonable compensation for time and expenses.

Public adjusters may not give legal advice and may not participate, either directly or indirectly, in the reconstruction or repair of your damaged property. They are also prohibited from engaging in any activity that would be a conflict of interest. Should you choose to hire a public adjuster, make sure the public adjuster is licensed by TDI. To learn whether a public adjuster is licensed, call TDI’s Consumer Help Line or use the “Insurer Search” feature on TDI’s website.

Payment. Once the company agrees to pay all or part of your claim, it must do so within five business days. If you don’t get your check within five days, contact your agent or company. If you believe that the company is delaying payment intentionally, contact TDI for help.

Note: Most companies pay homeowners claims with two checks. The first, issued after the adjuster reviews your loss, is for the estimated cost of repairs, minus depreciation and your deductible. The company issues the second check for the balance of your claim after receiving the contractor’s bill for the finished job, as long as the repairs or replacements are completed within 365 days of the date of loss. You may submit a written request for an additional 180 days extension.

Getting Help from TDI

Companies are subject to penalties if they fail to settle claims promptly and fairly. If you believe an insurance company has treated you unfairly, first contact your company and try to resolve the problem. Most companies operating in Texas are required to have a toll-free telephone line to provide customer assistance. The number should be listed in your policy. If you are unable to resolve the problem yourself, contact TDI to file a complaint.

You may file an insurance-related complaint with TDI several ways:

For More Information or Assistance

For answers to general insurance questions or for information on filing an insurance-related complaint, visit our website or call the Consumer Help Line between 8 a.m. and 5 p.m., Central time, Monday-Friday
463-6515 in Austin

For printed copies of consumer publications, call the 24-hour Publications Order Line

1-800-599-SHOP (7467)
305-7211 in Austin

Help us prevent insurance fraud. To report suspected fraud, call our toll-free Fraud Hot Line


To report suspected arson or suspicious activity involving fires, call the State Fire Marshal’s 24-hour Arson Hot Line

1-877-4FIRE45 (434-7345)




Recent Texas Hurricanes

Don’t Be Caught Without Windstorm Insurance Coverage! - After the recent catastrophic hurricane seasons and with many people still trying to put their homes and lives back together, is your home covered for hurricane or other windstorm damage so you won’t be the next victim? If you live in one of the Texas' coastal counties, then you know how devastating and costly a storm can be. Don’t let an unexpected storm, like Rita, cost you. With the latest and most effective wind resistant construction, you will have a stronger structure and a better opportunity to obtain windstorm and hail insurance coverage through the Texas Windstorm Insurance Association or the voluntary market.


TWIA's territory includes the following fourteen (14) counties along the Texas gulf coast and parts of Harris county:






Harris County (partial)*







San Patricio







* Part of Harris County - When located inside city limits and east of highway 146, the following portions of Harris County are also included:






Shore Acres

Morgan's Point




  • Residential
Dwellings, personal property, manufactured (mobile) homes.
  • Commerical
Commercial buildings, business personal property, townhouses and condominiums.
  • Miscellaneous Items

For example, signs, fences, swimming pools, flag poles.


For additional details, click p. 48 - Building Code Compliance Information from TWIA Instructions and Guidelines Manual and click the Insurable Property Section of TWIA's Plan of Operation located on TDI's site under the Texas Administrative Code (Title 28, Part I, Chapter 5, Subchapter E, Division I, Rule 5.4001, Item Number (1) The Policy (B) Insurable Property).



Insured Item:

Dwelling or
Farm and Ranch Dwelling

Available deductibles: 1% but not less than $100
(standard deductible)
$100 Flat - optional deductible $250 Flat - optional deductible Large deductible (1.5%, 2.0%, 2.5%,3.0%, 4.0%, 5.0%) - optional deductible    

Applies to dwelling, its personal property, and dwelling outbuildings on a per item basis. For full details, see TWIA Instructions and Guidelines Manual, (Rating) pp. 41-44.


Mobile Home

1% and

  For property located:
1- Inland of the intracoastal waterway
2- Seaward of the intracoastal waterway and protected by an approved seawall.

    2% and
For property located seaward of the intracoastal waterway and not protected by an approved seawall.



Insured Item:

All commercial,
Farm and Ranch Barns,
Miscellaneous Farm Property, Apartments, Townhouses, Condos


Available deductibles: 1/2 percent per occurrence commercial standard deductible ($500 minimum) or Optional Flat deductibles Form 65 ($1,000 - $75,000)  

For full details, see TWIA Instructions and Guidelines Manual pp. 21-22 and 24-25.




Statutory Limit


June 2006
Jan 2007



Dwelling Building and Contents

Dwellings, including individually owned townhouse units and associated corporeal moveable property.



Apartment, Condo, Townhouse
Contents Only

Individually owned corporeal moveable property located in an apartment unit, residential condominium unit, or townhouse unit that is occupied by the owner of that property.



Mobile Home
Building and Contents





Building and Contents

Commercial structure other than a dwelling or public building and the corporeal moveable property located in that structure.



Building and Contents

Governmental buildings and corporeal moveable property located in that structure.




For more information about obtaining or maintaining windstorm insurance coverage when you build, remodel, add-on, repair or re-roof a structure, the Texas Department of Insurance (TDI) encourages you to contact your insurance agent or the Windstorm Inspection Division of TDI at 800-248-6032 or via e-mail.

***Application Status/Re-Print of Certificate of Compliance (WPI-8)***

The Program

Building Products 

  Building Code

Related Links

Construction Details