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Email quote proposals are still available prepared by our staff for you. We will try to select an appropriate market for your Property Insurance need.







Lloyd’s London Market

Markel International lines

NO Credit Check Required

Lloyd’s of London

Mobile Homes

Mobile Home Insurance

DP1, DP2

DP1, DP2

Standard Fire Policy

Home Fire Insurance

HO1, DP1


Vacant Property

Vacant House Insurance



The biggest investment most Texas Homeowners ever make is in our home. The Vacant Home Insurance Market Is strong this year and average Waco homeowners insurance rates are very affordable. Residents have many options and choices when it come to residential home insurance in the Waco TX insurance market.

Texas Home Insurance Quotes

Basic Protection You Need

For Your main living structure

Other buildings or structures on your property

Your personal belongings - furniture, clothing, appliances, etc.

Additional living expenses after a covered loss.

Your personal legal liability

Special features you can choose for additional security

Replacement Costs Structural Guarantee

Replacement Cost on Contents

Additional or Extended Coverage Forms

Vacant Homeowners Unoccupied Property Insurance

Coverage forms for Condo and Residential Risks are available at this time. Forms HOA, HOB, HOC, DP1. Fire.

Programs with Credit Score or Non Credit Scored factoring. Good or bad credit is not an issue with our new non scored "Hassle Free" HOA Policy

Coverage effected same day or following day in most cases.

Coverage can be confirmed after we have received your completed application. For your convenience, an online application is in the forms page of the website. The form may be printed or submitted over the web.

Direct bill is now available on all personal lines.

If electrical wiring , plumbing and roof have all been updated in the last 20 years then you get a rating discount by using the first remodeling date as the age of the structure. Up to a 10% credit.

Are you living on 1 or more acres? With or without hobby animals, you now qualify for our personal lines program, No need for a Farm and Ranch type policy. If AG sales are less than $5000 year you may still go in our personal residential vacant homeowners insurance in Texas.

We now offer $5000 of accidental water damage on a DP1 insurance policy, Standard Fire, EC, Vmm insurance policy for a flat $100 AP. This applies to a tenant or owner occupied.

Rental Property

Residential Rental Property Insurance" For Let " properties can be covered on DP1. For commercial property insurance lines see the Commercial page on this site.

Apartment House Program

For clients that operate Apartment Houses with between 10 and 50 units. This 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 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 insurance underwriters of this trade group.

Commercial Property insurance Program

We have a new facility that will accept most any type of commercial insurance risks where the values are up to $5,000,000 per location.

This Program is principally for:

Apartments (less than 35 years old)



Convenience Stores with/without gas

Grocery Risks

Hotels (Chains and independents)


Manufacturing Risks

Motels (chains and independents)


Shopping Centers

Shopping Malls

Warehouse Risks

The facility is available in most states Fire, Ec, V mm or All Risk with and without flood or earthquake. Coverage not available in tier 1 and 2 areas. This is a property only program but we likely write the general liability and products also if you need that written along with it.

This new program will offer competitive pricing and the rates will not be up rated unless the risk is substandard or surplus lines.

Contact us about Vacant Homeowners Home Insurance Quotes Texas, TX