Texas Home Owners and Dwelling Insurance Home Insurance Coverage forms for most Texas Home and Condo Property Risks are available at this time. Forms HOA, HOB, HOC, DP1. Fire. Home Insurance Programs are available with Credit Score or Non Credit Scored factoring. Good or bad credit is not an issue with our new non scored “Hassle Free” HOA program Coverage can be effected same day or following day in most cases. Coverage can not start before we have received your completed application. For your convenience, an online Texas Home Insurance application is in the forms page of the web site. The form can be printed or submitted over the web. Direct bill is now available on all personal lines programs. If electrical wiring , plumbing and roof have all been updated in the last 20 years then you can get a rating discount by using the first remodeling date as the age of the home. Up to a 10% credit. Homeowner living on 1 or more acres, with or without hobby animals, can now qualify for our homeowner program, No need for a Farm and Ranch type policy. If AG sales are less than $5000/yr- you can still go in our Homeowner programs. We now offer $5000 of accidental water damage coverage on a DP1 on a standard Fire, EC, Vmm policy for a flat $100 AP. This applies to a tenant or owner occupied home.
Rental property Residential Rental Property Insurance " For Let " properties in most cases can be covered on DP1. Commercial Property lines see the commercial Commercial Insurance section.
Apartment House Program Program for clients that operate Apartment Houses with between 10 and 50 units. This program is a package or BOP type policy covering Basic, Broad or Special perils and with values of $25,000 to $2.5 Million per location in all counties except tier 1. We can provide Building, Contents, Rents, Liability and Crime as well as the tenants contents extension clause. Risks do not need to be loss free. Rates are very competitive with other underwriters of this business trade group.
Commercial Property Program We have a new facility available that will accept most any type of commercial risks where the property values are up to $5,000,000 per location. | 
