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prepared by our staff for you. We will try to select an appropriate market for
your Property Insurance need.
Homeowners, Hurricane Insurance - Preparedness
In coastal areas where Tropical Storms are an expected home hazard, making sure
that your homeowners insurance policy
includes coverage for Named Storms, Wind driven Rain and Hail. This is coverage
for windstorms and or Named Tropical storms or depressions. The language may
vary by company. Review your home insurance with your Agent if necessary to
clarify your coverage for wind, wind related damages, windstorms, Named Storms.
Many Home insurance forms do not offer coverage for certain classes of property
Most homeowners policies cover your
house for fire, wind hail and lightning and includes the home fixtures and
fittings, carpet, curtains etc. It should also include all your personal
belongings in the house (also called contents), which you may be required to
estimate the value of. This estimate will affect the price you pay for your
homeowners policy, but remember that this estimate needs to cover everything
inside your home. Some policies will issue with a default percentage of 30 to 60
percent of your home value. It is a good idea to over estimate this value
slightly to avoid coming up short.
Years have brought some of the most destructive
Storms the Texas Coastal areas have ever seen.
Meteorologists only predict more to come in the
years ahead. Texas Homeowners in Tier 1 and Tier 2
coastal communities face a challenge in finding an
Insurance Company that will accept the high risks
associated with beach front and other coastal
properties. The Home Insurance market in hurricane
country can be considered Slim at best.
A good Homeowners Insurance
Policy is important when living in some areas. Home Owners living in The
Gulf Coast Region have seen a lot over the last decade. The aftermath of serious
Tropical Storms for anyone who lives in a prone area it is a real worry and
residents know it can happen again. Of course no one can guarantee that it wont,
but at least you can protect your house and its contents with a good Home
Insurance Policy. This can provide you peace of mind that if the unfortunate
should occur your house and contents will be repaired and/or replaced.
There are also government sponsored
insurance resources available to property owners. Comparing the different home
insurance company offerings and obtaining competitive quotes could save you some
The National Hurricane Center
DADS Hurricane Information
Texas Storm Center
Windstorm Insurance in Houston TX Harris County
Texas Insurance Quotes -
Hurricanes Wind storm
Insurance Coverage is available in most Texas
Counties at this time through All Risk Policy offers
from select carriers. Forms HOA, HOB and HOC will
provide Wind Storm coverage for most Texas
counties, Some All Risk Insurers may require credit
scoring by certain carriers.
Texas Home Owners
Homeowners Insurance Coverage forms for most Texas
Home and Property Risks are available at this time.
Homeowners Forms HOA, HOB, HOC, Rental Properties in
DP1 DP2 DP3 include insurance for Fire, Wind and
Insurance for Rental property
Rental Property. For Let " properties. Your investment
property can in most cases can be covered for
Hurricane related damage on our DP2 and DP3
programs. Commercial Property lines see the
Commercial Property Insurance page on our website.
Hurricane Insurance programs for clients that
operate Apartment Houses with 10 to 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.
can provide Building, Contents, Fire, Wind
Storm, Hail, Rents, Liability and Crime as well
as certain tenants contents. Risks with previous
claims activity can still qualify. Rates are
very competitive with other underwriters of this
Homeowners Policies in
Harris County and Tier 1 and Tier 2
counties. Coverage can Be
obtained on Our HO1, HO2 and HO3 home owners programs
with Windstorm, Hurricane and Hail Coverage
options. Substantial discounts may be available
for homeowners willing to select a larger