Residential Dwelling Program


Texas Homeowner's PolicyForm A (HOA)
 


Policy Term:1 year
Limits:$20,000 – $200,000
Deductible:$500, $1000, ½% - 5% (2% Min. in Tier 2)
Premium$150 minimum
Personal Liability:$25,000, $50,000, or
 $100,000, $300,000
Medical Pay:$500 standard, or
 $1,000 maximum (dwelling value must be above $50,000
Contents Coverage:40% of Dwelling Coverage Maximum
Additional Endorsements Available:
 Residential Glass Coverage
 Television and Radio Antenna
 Increased Costs of Construction
 Automatic Increase of Limits
 Sudden & Accidental Water Coverage ($2,500 and $5,000)



Texas Fire Dwelling PolicyForm 1 (TDP)
 


Dwelling $30,000 – $200,000
Policy Term:1 year
Limits:$30,000 – $200,000
Deductible:$500, $1000, ½% - 5% (2% Min. in Tier 2)
Premium$150 minimum
Extended Coverage:Available
V & MM:Available
Contents Coverage:Owner Occupied Dwellings 30% maximum
 Tenant Occupied Dwellings $1,000 maximum
Dwelling $10,000 – $29,999
Policy Term:1 year
Limits:$10,000 – $29,999
Deductible:$500, $1000, ½% - 5% (2% Min. in Tier 2)
Premium$500 minimum
Extended Coverage:Available
V & MM:Not Available
Contents Coverage:Owner Occupied Dwellings $5,000 maximum
 Tenant Occupied Dwellings $1,000 maximum
Additional Endorsements Available:
 Fair Rental Value
 Residential Glass Coverage
 Contract of Sale
 Increased Costs of Construction
 Sudden & Accidental Water Coverage ($2,500 and $5,000)
 Liability Coverage (Tenant Occupied Only)
Note: All policies are on an Actual Cash Value basis