“Steve's customer service was outstanding. If you are like me, I don't have the time to figure out the best deals on my own. Steve's expertise helped guide us to the best insurance for our house and autos and save money in the end. Anytime I had a question, he was immediately back to me with a response. I haven't had an agent in many years, but Steve will be ours for a long time. I am a real customer.”
Toggle navigation menu
Texas’ Top 5 Policy’s Homeowners Insurance | Comparison Chart (Updated for 2021)
Texas homeowners insurance comparison charts help Texas property owners evaluate the top five policy forms available in the state. These policies do not provide identical protection across all coverage types listed in the chart. Policy forms must align with Texas Department of Insurance filings and the individual declarations page.
Written and reviewed by Steve White, Owner, NPN License#: 19284005 · Initially published September 22, 2026
Texas Top 5 Most Common Homeowners Insurance Policies | Comparison Chart
Texas Top 5 Most Common Homeowners Insurance Policies | Comparison Chart
Doc Key | How To Read the Doc
(The more green dots you have on your policy, the better chance you have for coverage)
The Texas homeowners insurance policy comparison chart is broken down into three major sections.
Key takeaways
- 1The types of policies are on the top row.
- 2The types of coverage’s are on the left.
- 3How each policy addresses or can address that coverage is color coded.
What This Means For You
Comparing insurance requires comparing equal parts price and policy form.
You can finally understand what is in your policy, and how it compares to others in the market.
This should be GAME CHANGING for you. This is THE point where you can now actually make a TRULY INFORMED DECISION about your insurance.
You should be starting to see the comparison chart, Texas homeowners insurance policies are NOT all the same.
There a several very important coverage options available in Texas home policies that are not available in the rest of the country.
What’s The REAL Difference?
To break this down to the nuts and bolts, the REAL difference (in most cases) boils down to water damage.
*Texas policies can offer 5 different types of water damage coverage*, this is unique to Texas.
Here’s two BIG types:
Key takeaways
- 1Sudden & Accidental (*EX: frozen pipe breaks and you find it in the morning*) Continuous & Repeated (*EX: slow supply line leak to dishwasher leaking for months undetected*)
Want to know the others? Be sure to check out:
Want to know the others? Be sure to check out:
**3 Nasty Surprises Lurking in Texas Homeowners Insurance Policies**
But for now, just know, there are plenty of policies available that offer coverage for both types of water damage including slow leaking pipes that you don’t find right away.
*And you would think that the policy that offers both is automatically more expensive, right?*
Wrong.
The policies that offer better coverage are many times less expensive.
*Yes, seriously. You read that right, a better policy for less.*
How Is That Possible Though?
Pricing in today’s market is based on A LOT of factors.
For example, your rates are determined in part by:
Your insurance score (tied to your credit score), the location of the property, age, size, construction type, build out of property, and claims history of the property and/or owner.
For more on this be sure to check out:
11 Factors That Affect Rates
There are many times that an insurance company with a far inferior policy is actually more expensive because the combination of these factors does not match their target market.
If you have never heard that, you aren’t alone.
Your understanding of this though, is your key to making better decisions on your home & auto insurance.
Let me help you weed through the maze of options.
Client Stories
Real stories, real trust
“I came to Steve with home and auto insurance needs. He made the process seamless while buying my first home. He walked us through the different coverages, and helped us understand what was and wasn't needed. He handled all the coordination with the lender, making it one less thing we needed to worry about. Appreciate all your help, Steve! Looking forward to the continued partnership.”
“Steve is an excellent agent. If you’re looking for an agent who will take the time to make sure your properly covered, he is the best choice. He is knowledgeable on the elements of “what ifs” that come with insurance, you can trust Steve will know the answers or take the time to find out. He is friendly, professional, and will ensure he’s offering you the best options to protect your family or business.”
“I highly recommend Steve White as an insurance broker. When I was migrating from one insurance provider to another, Steve was extremely helpful and responsive—he was the first broker to call me back, the first to offer clear solutions, and he answered all of my questions within hours of my initial outreach. I contacted four different brokers, and Steve stood out immediately for his speed, professionalism, and follow-through. Since engaging with him, we’ve identified excellent carrier options, reviewed every aspect of my coverage in detail, and ensured I had a clear understanding of my policies. I couldn’t have been more pleased with how authentic, collaborative, and thorough Steve was throughout the entire process.”
“I’ve worked with Steve for 6 years and he’s always been proactive shopping rates to save my family money on home and auto insurance. I now have several friends that are working with him as well. Highly recommend his services.”
“We have been doing business with Steve for a number of years. He provides excellent, personal customer service and is very responsive when we contact him. Every year he shops for the best coverages at the best prices for our auto and homeowners insurance. When we have questions, he explains everything thoroughly and handles any dealings with the actual insurance company for us.<br>Steve is a nice guy and very knowledgeable about insurance.”
“Five stars don't seem like enough for the level of dedication Steve White Insurance Group showed in finding the right insurance for my type of business. Steve White went above and beyond, tirelessly exploring various options and navigating complex requirements to secure the best possible coverage at a competitive price. It was clear they invested significant time and effort in understanding my unique needs and advocating on my behalf. Their persistence and commitment to finding the ideal solution made a potentially stressful process surprisingly smooth. I highly recommend them to any business owner looking for an agency that truly goes the extra mile! I am very grateful, Diana Stewart”
“Steve is a knowledgeable professional. I have been using him for over 5 years and he has saved me money and improved my home and auto coverage. When I have had claims, Steve has been there to help walk me through the process. Since Steve is independent, he is always look for better coverage at a better price. I highly recommend Steve White Insurance.”
Editorial standards
Written and reviewed by Steve White, Owner, NPN License#: 19284005, Steve White Insurance Group.
Steve White is an experienced independent insurance agent specializing in personalized coverage solutions, risk evaluation, and multi‑carrier underwriting. He operates stevewhiteinsurance.com, serving clients across Highland Village and the greater DFW area with fast, precise, and highly structured guidance. His expertise includes home, auto, commercial, and specialty insurance lines, with a focus on clarity, efficiency, and long‑term protection strategies. Outside of his insurance practice, Steve is deeply involved in youth baseball, fishing, travel planning, and cooking. He is known for a direct, fast‑paced communication style and a preference for organized, actionable workflows.
Published September 22, 2026. See our editorial process. How we use AI.