Insurance companies may sell several types of homeowners policies in Texas, each with a different level of coverage. These are legal names that are used by all companies across the state. The different policy types are HO-A, HO-A amended policies, HO-B, HO-C and Approved Alternative Policies. You can get an idea of the coverage each type of policy offers by reading the policy descriptions below.

• HO-A policies provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in the policy are covered.
   
• HO-A amended policies provide more extensive coverage than the base HO-A policy but less coverage than an HO-B. Coverage provided by these policies may vary by company. In much of Texas, these have become the most common type of policy. These policies allow the insurance company to limit thier coverage on windstorm damage and other important coverage areas. This may be the type of policy you get but you need to be careful when you compare policies and quotes. They may not be equal in the coverage.
   
• HO-B policies provide replacement cost coverage for most types of damage, except those specifically excluded in the policy. Generally, HO-B policies provide the most coverage for the price, but some companies do not offer the HO-B policy.
  If you are looking for a HO-B policy, we can still provide them.  Just put a note in the "Comments" section of our Home Insurance Quote form to limit the quotes to HO-B only.  Click here to get HO-B policy quotes.
   
• HO-C policies provide the most extensive coverage, but they are more expensive than other types of policies. They exist on paper but are rarely, readily available.
   
• Approved alternative policies offer varying levels of coverage. Companies may only sell alternative policies that are approved in advance by the Commissioner of Insurance. Coverage may differ considerably from one company to another and from the coverage provided in the standardized Texas homeowners policies.

Read your policy carefully to know exactly what coverages are included. If a company offers you a policy with less coverage than you’d like, ask if other policy forms are available. You also may be able to buy additional coverage by adding endorsements to the base policy.