Texas Home Insurance

Texas Insurance Place has several Texas Home Insurance companies.  We write all major policy types: HO-A, HO-A+, HO-B, HO-2, HO-3, TDP-1, TDP-3, Vacant, Condo & Mobile Home.  Quality, affordable homeowner insurance in Texas. 

Texas Homeowners Insurance

Value added home insurance coverage for your peace of mind.

Flood

Yes Flood is included with the HO3 home policy.  The primary intent of this coverage is to provide residential flood coverage, for those that are subject to flooding, whether or not they reside in FEMA flood zones.

Home Cyber Protection

This coverage is composed of three components: 

1. Cyberattack 

2. Cyberextortion

3. Online Fraud

Home System Protection

Home system breakdown is defined as sudden and accidental: mechanical failure, electrical breakdown, bursting, cracking or splitting, and/or electronic circuitry impairment of covered home equipment that results in direct physical damage or loss of function and requires repair or replacement of all or part of the damaged covered home equipment.

Data Breach Protection

Pays for costs for an individual to respond to the loss, theft, accidental release or accidental publication of personally identifying information or personally sensitive information in which you are entrusted.

Service Line Protection

This service provides for “service line failures” to a covered service line. “Service line failure” can be a leak, break, tear, rupture, collapse or arcing of a covered service line.

Identity Theft Protection

Pays for various out-of-pocket expenses due to an identity theft. These expenses include legal fees for an answer to civil judgment and defense of criminal 
charges, notary and filing fees, phone, postage and shipping fees, credit bureau reports, lost wages, child or elder care costs and mental health counseling.
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Texas Home Insurance

Discounts include Supporting Auto, Boat, Motorcycle, Life or Flood.  Also discounts for new homes, new purchase, alarm, updates and more.

What protection do we offer?

Dwelling

Protection as a result of damage to the structure of your home including fixtures, plumbing and heating due to a covered loss such as fire or hail storm damage. It does not cover the normal wear and tear of your home or maintenance–related problems. 

Other Structures

Coverage includes detached structures such as a garage, garden shed, and fixtures attached to land such as a driveway, sidewalks, patio, fence, swimming pool, etc.

Personal Property

Twico covers the contents and personal items in your home such as furniture, clothing, sporting goods, etc. This also extends to your personal belongings anywhere in the world, up to a maximum value per item.  

Loss of Use

If a covered loss such as fire forces you from your home, Loss of Use provides a safety net for additional expenses over and above your normal living expenses while you are unable to live in your home, up to the policy limit. And Twico offers coverage for loss of use. 

Identity Recovery

Pays for various out-of-pocket expenses due to an identity theft. These expenses include legal fees for an answer to civil judgment and defense of criminal charges, notary and filing fees, phone, postage and shipping fees, credit bureau reports, lost wages, child or elder care costs and mental health counseling.



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