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Homeowners Insurance
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| Company Name Click for Profile |
Website | Phone Number | Policy Type Offered More Information |
NAIC Number |
|---|---|---|---|---|
| AIG Advantage Insurance Company (formerly listed as Minnesota Insurance Company) | www.aigpcg.com | n/a | PC HO-TX | 25232 |
| Allstate Fire and Casualty Insurance Company | www.allstate.com | (800) ALLSTATE | AFH1 (Allstate Fire and Casualty Insurance Company Policy), AFH2 - Extended Protection Endorsement available |
29688 |
| Allstate Texas Lloyds | www.allstate.com | (800) 255-7828 | HO-A Amended/Replacement Cost on Contents | 26530 |
| American Mercury Lloyds Insurance Company | www.mercuryinsurance.com | (800)503-3724 | Only Mercury's TX NP-10 and TX SP-10. | 25470 |
| American Modern Lloyds Insurance Company | www.amig.com | (800) 492-5351 (ask for sales) |
Only HO-A Policies for Mobile Homes. Replacement Cost on Dwelling and Contents. | 42005 |
| American National Lloyds Insurance Company | www.anpac.com | (800) 333-2860 | HO-A Amended/Replacement Cost on Contents (12-02) | 10043 |
| American Risk Insurance Company Inc. | www.americanriskins.com | (866) 274-8765 | HO-A Amended with Replacement Cost TDP-1 Amended with Replacement Cost |
12898 |
| American Summit Insurance Company | www.american-summit.com | (800) 749-6419 | Personal Mobile Homeowners Coverage | 19623 |
| AMEX Assurance Company | no website for home products | (800) 842-3344 (Sales) | HO-B, HO-BT, HO-CON-B | 27928 |
| Amica Lloyds Of Texas | www.amica.com | (800) 242-6422 (1-800-24-AMICA) |
HO-3 and HO-5 (ISO) | 10896 |
| Apex Lloyds Insurance Company | No Web Site | (800) 422-1359 (254) 757-2424 FAX (254) 757-0306 |
HO-B in Most Areas | 43133 |
| Armed Forces Insurance Exchange | www.afi.org | (800) 255-6792 (current members) (800) 495-8234 (prospective members) |
HO-B, Mold Limitations and Buyback, (Eligibility: certain current, former military) | 41459 |
| ASI Lloyds | www.americanstrategic.com | (866) 274-8765 | HO-A Amended; HO-B (for newly constructed homes); HO-3 |
11059 |
| Auto Club Indemnity Company | www.AAA-Texas.com | (800) 765-0766 | HO-A (Standard Home); HO-A Amended (Deluxe Home)/Replacement Cost on Dwelling, optional for Contents; HO-B (Premier Home); HO-BT; HO-CON-B | 11008 |
| Balboa Insurance Group | www.balboainsurance.com | (800) 854-6115 |
HO-A and HO-B
HO-A Amended, Replacement Cost on Contents |
24813
11191 |
| Beacon Lloyds Insurance Company | www.beaconins.com | (800) 234-9024 | HO-A Amended, Replacement Cost on Contents, Sudden and Accidental Discharge (12-02) | 11284 |
| Chubb Lloyds Insurance Company Of Texas | www.chubb.com | (800) 873-0777 Check Web site for independent agent. |
HO-B and HO-C with TDI's Mold Options | 27774 |
| CMI Lloyds | www.central-insurance.com | (800) 786-0673 Check Web site for independent agent. | HO-A Amended, Replacement Cost on Contents | 42382 |
| Colonial Lloyds | www.colonialsavings.com | (800) 999-9295 | HO-A, HO-A Amended, HO-A Amended with Replacement Cost | 40673 |
| Columbia Lloyds Insurance Company | No Web Site | (800) 275-6768 | HO-A and Texas Dwelling Policy | 20320 |
| Cypress Texas Lloyds | (888) 462-8021 | HO-A Amended with replacement cost coverage for dwelling and contents | 11578 | |
| Dallas National Insurance Company, A Texas Stock Insurance Company | www.Dallasnationalins.com | (800) 533-0457 | HO-A, HO-A+, HO-B, TDP 1, 2, 3 | 32271 |
| Delta Lloyds Insurance Company Of Houston Texas | www.deltains.com | (800) 666-2678 | HO-B and HO-C, HO-A and HO-A Expanded | 15458 |
| Electric Lloyds Of Texas | www.electricinsurance.com | (800) 227-2757 | ISO Forms HO2, HO3 (Eligibility: GE employees only)(12-02) | 10961 |
| Encompass Indemnity Company | www.encompassinsurance.com | Check with a local independent agent | HO-A Plus, (Writing only a few policies/month, stringent guidelines.) G1-71046-A Deluxe Homeowners Policy; G1-71047-An Elite Homeowners Policy |
15130 |
|
Farmers Insurance Group |
www.farmers.com | 1-800-225-0011 | Texas Family Home Policy (Farmers' Homeowner Policy) HOA, HOA Amended, HOA Amended with Replacement Cost on Dwelling and Contents HOB-T Tenant, TDP-1 Dwelling Fire Policy |
21695 21652 21660 |
| Federal Insurance Company | www.chubb.com | (908) 903-2000 | HO-B, HO-C | 20281 |
| Fidelity National Title Group | www.fnf.com | (800) 849-6140 | HO-3 (ISO) (Includes replacement cost dwelling and contents and additional optional coverages) |
11523
16578 |
| Financial Casualty & Surety | www.fcsurety.com | (800) 999-9295 | HO-B, HO-A Amended (limited water), TDP-1 Amended (limited water, replacement cost dwelling & contents) | 35009 |
| Foremost Lloyds Of Texas | www.foremost.com | (616) 942-3000 | HO-A Amended/Replacement cost for dwelling and contents optional | 41688 |
| GeoVera Insurance Company | www.gvhomeowners.com | (800) 785-2181 | HO-B with replacement cost on dwelling and contents | 10799 |
| Hartford Lloyds Insurance Company | www.thehartford.com | (800) 624-5578 | HO-A enhanced (as of 6/03 for new business) | 38253 |
| Homeowners of America Insurance Company | www.hoaic.com | (972) 607-4241 or toll-free (866) 407-9896 | HO-A, HO-A Amended, HO-B Amended | 12536 |
| Horace Mann Lloyds | www.horacemann.com | (800) 999-1030 | HO-A, Replacement Cost on Dwelling and Contents, (Eligibility: All school district employees) | 10996 |
| IDS Property Casualty Insurance Company | no website for home products | (800) 842-3344 (Sales) | HO-A+ (Special policies only) | 29068 |
| Imperial Fire and Casualty Insurance Company | No Web Site | (888) 522-8242 | HO-A, HO-A Amended, HO-B, TDP-1, and TDP Amended | 44369 |
|
Liberty Mutual Group |
www.libertymutual.com | (800) 490-0233 | HO-A Amended, Replacement Cost on Contents HO-A Amended, Replacement Cost on Contents |
11041 23035 |
| Lincoln General Insurance Company | www.twfg.net | (866) 466-8934 | HO-A Amended with replacement cost, HO-B | 33855 |
| Metropolitan Lloyds Insurance Company Of Texas | www.metlife.com | (800) 422-4272 | HO-B | 13938 |
| Middle States Insurance Company | N/A | (903) 938-5191 | ICT HO-B | 31810 |
| National American Insurance Company | www.naico.com | (800) 822-7802 | HO-A and DP-1 | 23663 |
| National Lloyds Insurance | www.natlloyds.com | (800) 749-6419 | HO-A and DP-1 | 15474 |
| National Specialty Insurance Company | www.statenational.com | (800) 877-4567 | HO-A Amended and HO-B | 22608 |
| Nationwide Lloyds | www.nationwide.com | (800) 882-2822 | HO-542 (Nationwide's Homeowner Policy) | 42110 |
| Nationwide Property & Casualty Insurance Company | www.nationwide.com | (800) 882-2822 | HO-542 (Nationwide's Homeowner Policy) | 37877 |
| New Century Lloyds | No Web Site | (800) 328-3379 | HO-A with Replacement Cost Endorsement | 11047 |
| Pacific Specialty Insurance Company | www.psic-onespot.com | (800) 303-5000 | HO-3 (Homeowners), HO-4 (Renters) & HO-6 (Unit-Owners) | 37850 |
| Peerless Indemnity Insurance Company |
www.americafirst-ins.com |
Please check with local independent agent. | HO-3, HO-5 (Homeowners) HO-4 (Tenants) HO-6 (Condo) |
18333 |
| Priority One Insurance Company | www.rvos.com | (800) 328-3379 | HO-A With Replacement Cost for Dwelling and Personal Property | 36943 |
| ProCentury Insurance Company |
www.centurysurety.com |
(614) 895-2000 | HO-3 | 21903 |
| Property and Casualty Insurance Company of Hartford (AARP Program) | www.thehartford.com | (800) 423-4114 | HO-2, HO-3 & HO-5 (Dwelling) HO-6 (Condo) HO-4 (Tenants) |
34690 |
| Ranchers & Farmers Insurance Company | No Web Site | Check with local independent agent | HO-CI & HO-CU (Ranchers & Farmers Homeowners Policy forms) | 11853 |
| Republic Lloyds | www.republicgroup.com | (800) 344-2275 | HO-A/HO-A Amended, HO-3 | 19208 |
| Safeco Insurance Company of Indiana | Safeco.com | Please visit Safeco.com for a local independent agent or call 1-800-4Safeco. | CHO-6295 - Safeco's Homeowners Policy | 11215 |
| Safeco Lloyds Insurance Company | Safeco.com | Please visit Safeco.com for local independent agent. | HO-A Amended | 11070 |
| Sentinel Insurance Company, Ltd. | www.thehartford.com | (800) 624-5578 | HO-3, HO-2 & HO-5 (Dwelling) HO-6 (Condo) HO-4 (Tenants) |
11000 |
| Southern Insurance Company | www.atlasgeneral.com | (888) 786-0003 | HO-A, HO-A Amended, HO-B, HO-BT, HO-Condo, TDP-1, TDP-2, TDP-3 |
19216 |
| Southern Vanguard Insurance Company | www.republichp.com | (713) 621-9191 | HO-A | 10925 |
| Southland Lloyds Insurance Company | No Web Site | (214) 340-9393 | HO-A, HO-B | 20800 |
| State Auto Property & Casualty Insurance Company |
www.stateauto.com |
(800) 444-9950 | HO-3, HO-5 (Homeowners), HO-4 (Tenants), HO-6 (Condo) |
25127 |
| State Farm Lloyds | www.statefarm.com | Check website or local phone book for nearest agent. | HO-W (State Farm's Homeowner Policy) | 43419 |
| Stonington Lloyds | atlasgeneral.com | N\A | HO-A, HO-A Amended, and HO-B | 11497 |
| Texas Farm Bureau Mutual Insurance Company Texas Farm Bureau Underwriters |
www.txfb-ins.com | (800) 772-6535 | HO-A, HO-A Amended, HO-A Amended with Replacement Cost (12-02) | 25380 25399 |
| Texas Heritage Insurance Company | www.texasheritageinsurance.com | (800) 392-2202 | Basic Dwelling Policy | 12598 |
| Travelers Lloyds Of Texas Insurance Company | www.travelers.com | (866) 849-6427 | HO-A Amended | 41564 |
| Trinity Universal Insurance Company | www.kemperautoandhome.com | Check website for nearest agent | HO-A+, HO-B, HO-BT, HO-BCON | 19887 |
| U S Lloyds Insurance Company | www.siatexas.com | (800) 929-2424 | HO-A and HO-B (12-02) | 13781 |
| United Fire Lloyds | www.unitedfiregroup.com | (866) 827-2941 | HO-A, replacement cost for dwelling and personal property, HO Tenant B | 43559 |
| United Services Automobile Association | www.usaa.com | (800) 531-8111 | HO-3RTX (USAA's Homeowner Policy) (Eligibility: U.S. Military active duty, Guard, Reserve) |
25941 |
| Universal Insurance Company of Texas | www.uictx.com | (866) 95-UICTX | HO-A, HO-A Amended, HO-B, HO-CON-B, mold Remediation limitation and buy-back, replacement cost on contents available | 10759 |
| USAA Texas Lloyds Company | www.usaa.com | (800) 531-8111 | HO-3RTX (USAA's Homeowner Policy) (Eligibility: U.S. Military active duty, Guard, Reserve) |
11120 |
| Wellington Insurance Company | N/A | 800-880-0474 ask for personal lines |
HO-A, HO-A Amended, Replacement Cost available | 22390 |
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 Us
Policy Types | Policy Comparisons by the Office of Public Insurance Counsel
- 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.
For more information contact:
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