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.

  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.

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:

    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)

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?


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.

Steve White