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Home Insurance

As a homeowner, you know that your home is one of the biggest investments you’ll ever make. Protect your investment by making sure you have adequate coverage for your home insurance Alvin Tx. Depending on where you live, this may include flood insurance as well. We offer home insurance in Alvin, Friendswood, Clear Lake, Angleton, Pearland and the surrounding areas.

Home Insurance Alvin Tx

We offer FREE ONLINE HOMEOWNERS’ INSURANCE QUOTES from several major insurance companies, but these may not be the best insurance rates available to you. For the absolute best rates on your homeowners’ insurance, contact us directly.

281-331-3131 (Alvin, Pearland, Manvel and surrounding areas)  888-413-8973 (Toll Free)

  • 24 different Homeowners markets
  • Companies including windstorm & hail

 Homeowners’ Insurance FAQs:

What are the types of homeowners insurance?

Your home is one of your largest assets.  Typically homes appreciate (gain in value) over time.  So even if you’ve paid off your mortgage, insuring your home is a good idea.

In 1990, the choices of homeowner’s policies were State Farm’s homeowner’s policy or the Texas Homeowner’s Form B. The Form B was a standardized policy that had standardized endorsements. There were few coverage differences regarding companies that wrote the Form B. That has all changed. Currently, most policies are written through Lloyds companies. An advantage of the Lloyds companies is the Lloyds companies can create their own policy forms. Then the forms are approved by the Texas Department of Insurance. The result is numerous different policies. However, most policies are morphs of the following policy forms:

  • Homeowner’s Form B (HO-B)
  • Homeowner’s Form A
  • ISO Form 3 (ISO-3) most common

Other than premium, you should look for the following:

  • All risk with exclusions & limitations on the dwelling (HO-B and ISO-3)
  • Foundation coverage added
  • Water damage coverage added
  • Other structure limit
  • Check the list of personal property that is limited to the peril of theft
  • Animal liability limitations
  • Other policy enhancements

The independent insurance agent has an advantage over the direct writers (State Farm, Farmers, etc.). Most independents have several policy forms available. Example: as of 01/01/2018 Independent Insurance Counselors had 25 different homeowner’s markets.  Many of the insurance carriers have multiple forms. Advantage to us.

Is it bad having a separate windstorm policy?
No. In many cases the premium is lower by having a homeowners policy and a windstorm policy. Warning: The windstorm policy has a deductible for the dwelling and a deductible for the personal property. You need to compare the 1% deductible windstorm policy to a 2% wind deductible with the Alvin Tx homeowners insurance policy.

Do I need to have windstorm inspections on my new roof?
The windstorm inspection (WPI-8) on a re-roof is free. If you live in a county that borders the Gulf of Mexico, have your roofer get the inspection. You do not know what the insurance company’s requirements will be in the future. Currently most companies exclude the windstorm and hail perils in the coastal counties. The perils can be insured through the Texas Windstorm Insurance Association (TWIA). The TWIA requires all roofs newer than 1988 to have a WPI-8 filed with the State. If you do not get the inspection done during the re-roof process, there is a charge for an inspection after the roof is finished.

Mike’s Home Insurance Tip

One of your biggest investments is your home. Be sure you have adequate insurance coverage. The homeowner's policy excludes the flood peril. Some of the statistics are alarming:

1. The average 30-year mortgage has a 1% chance of a fire and a 26% chance of a flood loss.

2. Over half of all recent flooding events have occurred in flood zones B, C, or X.

3. Over 90% of all disasters involve flooding.

4. Federal Disaster Assistance is a loan that must be paid back.

Home Insurance Alvin TX