Homeowners Insurance Texas 126

Homeowners in Texas are responsible for ensuring their property according to protection levels defined by the Texas Department of Insurance. Buying the wrong insurance policy type can make submitting a claim into a major financial problem. Standard homeowners insurance in Texas use standard form modifications, known as HOA, HOB, and HOC coverage types.

Most homeowners in the U.S. submit homeowner insurance policy forms HO1-HO3, HO5/HO8, but Texans must submit slightly different forms. For instance, the HOA form (Basic Named Perils Policy) vs. the HOA+ form (Broad Named Perils Policy) can make a difference. Take a moment to learn more about these protection types:

1. HOA is considered the most basic, simple Texas homeowners insurance policy. The HOA is comparable to HO1 policies outside of the state. Texas HOA policies protect the homeowner from 10 perils.

By definition, a peril causes damage or loss to the home or insured property. Common perils include fire, hail, theft, and wind. However, explosion, aircraft-related damages, riots/civil commotion, vandalism/malicious mischief, theft, and volcanic eruption are also covered under HOA.

• The Texas Department of Insurance says that HOA policies provide cash value insurance coverage. That is, settlement offered for damaged property must be depreciated to consider the item’s condition and age when the loss occurred.

• No flood insurance may be obtained through FEMA or National Flood Insurance Program (NFIP).

2. In comparison, HOA+ is comparable to HO2 policies in many other states. HOA+ also lists the specific perils covered but includes an additional six perils, including falling objects, ice/snow/sleet weight, freezing, overflow/accidental discharge of steam or water, sudden/accidental tearing/cracking/burning/bulging, or sudden/accidental damage from “artificially-generated electric currents.”

• These policies allow the consideration of damaged items’ replacement cost. This means a settlement offer is not affected by depreciation.

• No flood insurance (FEMA/NFIP) is available.

• Repairs necessitated by mold/fungi, including testing, remediation, or reimbursed living expenses, are limited.

3. HOB, Texas’ Basic Open Perils Policy, became available in June 2011. HOB is comparable to HO-3 insurance policies elsewhere. HOB insurance policies cover direct physical damage to property with outlined policy exceptions.

• HOB policies protect the Texas homeowner’s belongings from HOA+ identified perils with the important exclusion of water damage (with the exception of water damage that results from sudden/accidental discharge.

• In exchange for higher premiums, the HOB policy can endorse other water damage/coverage forms.

• Homeowners are ineligible for FEMA/NFIP flood insurance.

• Costs and repairs relating to mold or fungi damage and remediation may be covered. Review exclusions relating to mold and fungi.

4. HOC Texas homeowners insurance policies are comparable to HO-5 policies issued in other states. HOC policies are considered “comprehensive” and “open-peril” policies. By definition, the HOC policy protects the insured’s dwelling and contents from direct loss as outlined by the policy.

HOC policy premiums are frequently the most expensive because of their extensive coverage. The HOC policy is typically similar to the HOB policy in terms of water coverage, but there are differences according to the area in which the homeowner lives.

• Replacement cost is allowed.

• Costs and related repairs from mold or fungi damage or certain deterioration issues may be covered by the HOC policy.


Understanding more about the type of Texas homeowner insurance coverage offered can help the insured to better compare premium costs. Ask questions about the Texas homeowner insurance policy before committing to purchase. For instance, replacement cost vs. actual cash value claims settlement can yield vastly different recovery results.

Tips For Dealing With Property Damage And Insurance In Texas

In recent times, North Texas has been bombarded by blizzard conditions, and to make matters worse, the area has also been hit by several tornados. According to information from the National Weather Service, Garland was struck by an EF4 tornado.

A large portion of Rowlett was attacked by an EF3 tornado. Unfortunately, Copeville was also hit by an EF2 tornado. The NWS reported several smaller twisters striking Hubbard, Emory and several small towns. When the dust finally settled, over 1,450 homes were damaged or destroyed, and there were a total of 11 deaths.

A large number of power lines, trees and vehicles were also destroyed in the storms. Cleanup efforts have been very difficult because of persistent cold temperatures, strong winds and heavy rains.

Many homeowners will be assessing the damage and trying to recover important possessions, and many more will be filing a claim with their homeowners insurance in Texas.

Tips To Handle Storm Damage in Texas

When the weather is calm, Texas can be a very beautiful place to live, but it’s also a state that is known for some wicked weather conditions.

Fortunately, the USAA has released a report and provided Texan homeowners with some simple tips for handling storm damage. If your property was damaged in any of these recent storms, you can use these tips to get on the right track.

• To prevent further damage from occurring, it’s a good idea to give your home some temporary repairs. For example, you might want to consider boarding up windows or covering a torn roof.
• It’s best to hold off on permanent repairs until your home has been visited by a claims adjuster. Homeowners insurance in Texas can be tricky, and you want to make sure you get a fair estimate.
• Once it’s safe enough to enter your neighborhood, you can begin to assess the damage to your home. Make sure to take photos of every bit of damage. It’s an even better idea to gather video evidence of the damage. Homeowners insurance in Texas usually covers damage to your home, but it might not cover the cost of all of your possessions, so you should check with your insurance company to find out,
• If you happen to be one of the unlucky individuals who suffered a total loss of your home, you’ll want to contact whatever company handles your homeowners insurance in Texas as quickly as possible. You should also make sure your insurance company will pay for temporary living expenses.
• If your home was completely destroyed by a tornado, you’ll want to place a sign that marks where the home used to be because the claims adjuster needs to know. You should also include the contact information that you used to get homeowners insurance in Texas.
• After purchasing the materials needed for temporary repairs, make sure to save all of the receipts.
• An obvious, overlooked tip is to make sure you actually have homeowners insurance in Texas.
• Even if you have good homeowners insurance in Texas, you might want to perform temporary repairs. However, it’s important to be on the lookout for fraudulent contractors. These individuals are known to frequent communities that have just been ravaged by a natural disaster, and they prey on unsuspecting homeowners.
• You should create a list for all of your damaged items and add the purchase date, description and approximate value. If you have receipts of the items, gather everything and store it in a secure place.

The Claims Process for Homeowners Insurance in Texas

After your property has been assaulted by harsh weather conditions, you’ll probably have questions about the claims process. Homeowners insurance in Texas can be tricky, but there are some important laws to understand. In Texas, an insurance company has 15 days to notify you about your claim.

The company that provides you with home insurance in Texas must tell you if your claim has been rejected or approved within 15 days. Depending on the situation, a governing entity might choose to extend this deadline.

The New Pool and Your Homeowners Insurance in Texas

Getting a new pool is a dream come true for most folks. Being able to take a refreshing swim any time in your own backyard sounds like a great way to beat the summer heat in Texas. However, pool ownership also comes with lots of responsibilities. As a pool owner, you’re responsible for seeing that no one is injured when using your pool. You’re can be liable for injuries, medical costs and lawsuits. In addition, you also need to consider homeowners insurance in Texas. There are websites on the such as https://www.geico.com/ https://www.texasquotes.com/homeowners-insurance/ and https://www.progressive.com/.


For the most part, homeowners that install an in-ground pool do have some insurance. However, it doesn’t necessarily mean you’re carrying enough homeowners insurance in Texas to cover all your risks. Each insurance carrier may choose to cover a pool in different ways.

Some insurers may include a swimming pool as part of the home. If this is the case, the pool could affect the replacement costs associated with the home, which could increase the premium of your homeowners insurance in Texas.

Many insurance companies define an in-ground pool on your homeowners insurance in Texas as an external structure because it is detached. Detached structures are usually covered up to a limit of 10 percent of the policy limit for replacing the home. So, if your new pool was damaged during a storm and cost more than 10 percent, you would have to cover a portion yourself to replace the pool or consider increasing your coverage on your homeowners insurance in Texas.

Liability Coverage on Homeowners Insurance in Texas

The biggest concern associated with pools are liability issues. No matter how careful you are, there is always the chance that someone could be injured by slipping on decking or taking a bad fall. There is also the possibility of children playing unsupervised and accidental drowning’s. Most homeowners don’t have the money that may be needed in the event of a lawsuit if there should be a serious injury.

Most standard homeowners insurance in Texas does provide some liability coverage, insurers typically recommend that you increase your liability limits from standard coverage of 100,000 to at least 300,000.

In addition, some insurance companies may take it a step further by recommending the purchase of an umbrella policy. This is a separate policy, which could provide 1 million in additional liability protection. Considering the fact that these limit increases and umbrella policies may only increase premiums by just 50-100 dollars, the peace of mind you get makes it worth a few extra dollars.

Texas Requirements

Frequently, insurance carriers may have their own pool safety requirements concerning your homeowners insurance in Texas. However, the state of Texas also has requirements that they enforce concerning gates and fencing.

• Fencing around pool areas must be a minimum of four feet or higher.

• Fencing cannot have gaps in it or below it larger than four inches in diameter.

• Chain link construction materials are no longer allowed on new fencing.

• Horizontal cross-pieces on wood fences must be on the inside of the fence closest to the pool to prevent climbing.

• The city of Houston has their own fence codes that must be observed. They also periodically inspect pool fences to make sure they are in satisfactory condition.

Safety Precautions

• Keep play areas separate from the pool area.

• Make sure pool fencing remains in good repair.

• Install self-latching gates to prevent access to young children.

• Use a pool cover when pool is not in use.

• Teach all children in the household how to swim.

• Explain pool safety rules to all members of the home.

If you already own a pool, now is good time to pull out your policy for your homeowners insurance in Texas and review your liability coverage. Before considering the installation of a new pool, discuss requirements with your agent and how they would affect your homeowners insurance in Texas.