Texas Homeowners Insurance
Unlike most states, Texas insurance companies have standardized
homeowners insurance policies. These policies are the
HO-A, HO-B, and HO-C. All insurance companies offer the
same coverage under these standardized plans, but they
charge different amounts.
Here is a breakdown of the standardized Texas homeowners
The H0-A policy is a base coverage policy. It only provides
limited cash value coverage for a home and its contents.
The H0-A only covers items that are listed in the actual
policy. Amendments can be made to the policy to get better
coverage but it would no longer be considered a standardized
The H0-B policy covers the replacement cost for most damage
types, unless they are excluded in the policy. You should
be fully aware of excluded items, and get additional coverage
The H0-C policy is generally more expensive than an H0-A
an H0-B policy. It is most extensive coverage of the three.
Other approved homeowners insurance policies are available
for purchase from insurance companies in Texas. Those
policies are also regulated and must be approved by the
Texas insurance commissioner. To find out if a policy
is approved, contact the Texas Insurance Commissioner's
For more general information, visit our Homeowners
Insurance Information page.
our review on Lowering your Homeowners
the NetQuote Website
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