Commissioner of Insurance Statement About Homeowner Insurance Renewal Notices 

Eligibility is based on each company's underwriting guidelines, and NOT ALL APPLICANTS WILL MEET THOSE GUIDELINES. In addition, NOT ALL COMPANIES SELL IN EVERY AREA OF THE STATE, NOR DO THEY SELL TO NON-MEMBERS. You are encouraged to contact the listed companies or the companies' agents directly to discuss your insurance needs. A company may redirect you to one of their agents to discuss coverage. Understand that even though the companies listed may be selling in Texas, they are not required to offer coverage to everyone. Companies may decide they are not writing homeowners insurance at this time or in certain areas. However, state law prohibits a company from rejecting coverage for a homeowner for reasons considered discriminatory.

For more information, contact: AutoHome@tdi.state.tx.us

Policy Types

• HO-A Policies provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in the policy are covered.
• HO-A Amended Policies provide more extensive coverage than the base HO-A policy, but less coverage than the HO-B. For instance, HO-A Amended policies may include replacement cost coverage of the structure and contents and coverage of damage from "sudden and accidental" water discharges. These are not covered by the base HO-A policy.
• HO-B Policies provide replacement cost coverage for most types of damage, except those specifically excluded in the policy.
• HO-C Policies provide the most extensive coverage, but are more expensive than other types of policies.
• Other Approved Policies are policies of national insurance organizations or large national companies that the Commissioner of Insurance has approved for sale in Texas. Coverage provided by these policies may differ considerably from one another and from the coverage provided in standard Texas homeowners policies.