Home Insurance Defined

Basic Coverages Included in Homeowner's Policies:

Download a sample copy of the TFHP

Section I Property  Coverage

Your home insurance Coverage is designed to help pay for damage to your home and personal property caused by "accidental direct physical loss".  Covered property includes your dwelling, separate structures, wall to wall carpeting within the dwelling, and materials and supplies on or adjacent to the premises, used for its' construction.

     Loss of Use pays for you to live somewhere else, and pays for your loss of rents from a boarder you may have living with you.

     Emergency Services covers the added cost incurred by emergency repairs incurred in order to prevent further loss.

     Trees, Plants, Schrubs, and lawns.  We will cover trees, shrubs, plants and lawns on the residence premises for direct physical loss or damage

resulting from the following perils:

a. fire or lightning;

b. explosion;

c. riot or civil commotion;

d. aircraft and vehicles, not owned or operated by any insured;

e. vandalism and malicious mischief; and

f. theft.

Property grown for business purposes is not covered.

Damage caused by wind is not covered.

     Emergency Removal of Property we pay for loss or damage to your personal property that is being moved to prevent its' eminent destruction due to a covered loss.

     Food Spoilage pays for the cost of loss or damage to contents in a refrigerator or freezer on the residence premises which thaws or spoils due to interruption of electrical utility service which originates off the residence premises. The limit of insurance for this coverage is $500 per loss. A $100 deductible applies to loss or

damage claimed under this coverage. No other deductible applies to this coverage. This is additional insurance which is not subject to the Coverage B stated limit.    

     Artificially generated electrical current pays for loss or damage from a sudden and accidental surge or decrease in artificially generated electrical current, whether on or off the residence premises, to any electronic components or wiring of or in covered personal property. The limit of insurance for this coverage is $1,000 per loss for all personal property damaged per loss event.

     Arson and burglary reward  pays $1,000 for information which leads to an arson or burglary conviction in connection with a loss or damage to property covered by this policy. The $1,000 limit shall not be increased, regardless of the number of persons providing information for that loss, the number of claims being made for that loss or the fact that the loss may involve loss or damage to property under Coverages A and B. No deductible applies to this coverage.

     Lock Replacement reimburses you up to $500.00 for the cost of having to re-key your locks on your exterior doors that were part of a covered loss.

     Fire Department Service Charge pays up to $500 charged by the Fire Department for services trying to preserve your property.

     Building ordinance or laws If Coverage A property has sustained covered loss or damage, we will pay up to 10% of the applicable Coverage A stated limit towards the increased costs that you actually and necessarily incur when you repair or replace the covered loss or damage resulting from the enforcement of any governmental ordinance, code, regulation, order or law, hereinafter "building law".

     Identity fraud, unauthorized use of a credit card, debit card, fund transfer card, forgery, and acceptance of counterfeit money.

     Breakage of Glass which is part of the insured dwelling or its' separate structure. You should add the glass deductible buyback endorsement.

Options: $500, $1,000, $1500, $2000, $3000, $5000, 1/2 of 1% (if greater than or equal to $500),1%, 1 1/2%, 2%, 2 1/2%, 3%, 4%, 5%

Covers payment on behalf of the insured of all sums, subject to the stipulated limit, which the insured is legally obligated to pay as damages because of bodily injury, property damage, or personal injury arising out of the residence premises or personal activities with specified exclusions listed in Section II, including liability for damage to premises and house furnishing used by or in the care, custody or control of the insured caused by fire, explosion and smoke.

Coverage D Medical Payments

Covers medical and related expenses subject to the stipulated limit, arising out of accidents to persons other than the insured and residents of the home with exclusions in Section II.

Up to $500 per occurrence.

Texas Homeowners Policy Form A (HOA - Limited Form)

Download a sample copy of the Texas HOA Policy

• Fire and lightning
• Sudden and Accidental Damage from Smoke
• Windstorm, Tropical Cyclone and Hail
• Explosion
• Aircraft and Vehicles
• Vandalism and Malicious Mischief
• Riot and Civil Commotion
• Sudden and Accidental Discharge, eruption,  overflow  or release of water
• Buildup of Ice
• Fall of trees or limbs, including topping, trimming, or felling
• Falling Objects
• Weight of Ice Snow or Sleet
• Collapse of building or structural part of building
• Theft

• Water, including water backup, flooding, or mold caused by water
• Governmental Action such as seizure or destruction by governmental entity
• Building Laws
• Destructive Acts
• Fungi or mold
• Pathogens
• Nuclear Damage
• Settling, bulging, shrinkage, or expansion of foundations, walls, and structures.
• Earth Movement
• Wear and tear, Aging, Rust, Corrosion, Deterioration or Decay
• Neglect or lack of maintenance or failure to make repairs.
• Inherent Vice or Latent Defect
• Noxious Substances
• Contamination
• Smog, Smudging, or Smoke
• Vandalism, or Malicious Mischief, if the dwelling is vacant

Coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.

If you need additional coverage for higher valued items, please ask us.