Texas Homeowners Insurance | Policy Comparison (Updated for 2020)

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Texas Homeowners Insurance | Policy Comparison Chart


Texas Home Insurance Comparison Chart (click to download)


Chart Key | How To Read the Doc

The Texas homeowners insurance policy comparison chart is broken down into three major sections.

    1. The types of policies are on the top row.
    2. The types of coverage’s are on the left.
    3. How each policy addresses or can address that coverage is color coded.

Ultimately, the more green dots you have on your policy, the better chance you have for coverage.



What Does This Mean For You?


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 (RIGHT NOW), where you can make a TRULY INFORMED DECISION about your insurance.

You should be starting to see, from the comparison chart, that 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.

Now, that’s not to say there aren’t any other areas in your policy that are important.  But, outside of weather, water damage, is by far the next most likely way you will have damage to your house.

And since we’re talking about water damage in Texas homeowner insurance policy’s…

Texas policies can offer 5 different types of water damage coverage, this is unique to Texas.


Here’s two BIG types:

    1. Sudden & Accidental (EX: frozen pipe breaks and you find it in the morning)
    2. Continuous & Repeated (EX: slow supply line leak to dishwasher leaking for months undetected)



leaking pipe ceiling water damage
                       ID 47111169 © Stocksolutions | Dreamstime.com                    Peeling paint on an interior ceiling a result of water damage caused by a leaking pipe dripping down from upstairs. A common house insurance claim.


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.


Yeah, But What About Pricing?

You would think that the policy that offers both is automatically more expensive, right?


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?


It’s possible because 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 your 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 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.

And what better time to continue with your Texas homeowners insurance comparison than now?

Let our team of experts help you weed through the maze of options.

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