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HO-B Homeowner Insurance Policy

Texas Insurance

Buying homeowners insurance in Texas used to be simple. You could buy a standard Texas policy, HO-B, that provided complete coverage. Now its not that simple. There are numerous types of homeowners policies and they all have a maze of numerous options. Its hard to find one policy that covers it all. Call me. I can still get you the real HO-B policy.

Comprehensive Coverage

Our HO-B policy protects you from extensive financial loss.

Key Issues Among Homeowners Policies

Property Issues
Key Issues Our HO-B Policy HO-3 Policies HO-A Policies
Dwelling All Risks All Risks Named Perils
Other Structures 10% of Dwelling Coverage 10% of Dwelling Coverage 10% of Dwelling Coverage
Personal Property Named Perils Named Perils Named Perils
Personal Property Away From Home Anywhere in the World; Limited to 10% of the PP Anywhere in the World; Limited to 10% of the PP if property is located at another residence of the insured Anywhere in the World; Limited to 10% of the PP
       
       
Water Damage Issues
Key Issues Our HO-B Policy HO-3 Policies HO-A Policies
Sudden and Accidental Leaking from Plumbing, Heating, and AC YES YES YES, if leak is not below ground or within or below the foundation
Continuous or Repeated Leakage from Plumbing, Heating, and AC YES NO, but some companies offer limited coverage by endorsement NO
Backup of Sewers and Drains YES NO, but coverage is available by endorsement up to $5,000 NO, some companies offer limited coverage by endorement
Freezing of Plumbing of Heating System YES YES YES
Rain thrugh Faulty Roof, Windows and Doors YES NO NO
       
Mold Infected Issues
Key Issues Our HO-B Policy HO-3 Policies HO-A Policies
Mold, Fungi or Other Microbes YES YES YES, Limited to the Covered Perils up to $5,000
Cost of Testing, Remediation and Living Expenses due to Mold Available by Endorement Available by Endorement YES, Limited to the Covered Perils up to $5,000
       
       
       
       
Other Perils
Key Issues Our HO-B Policy HO-3 Policies HO-A Policies
Damage to Foundation or Slab YES, if damage is from a covered water leak NO, may add an endorsement for 15% of the dwelling policy limits NO
Fire, Lightning, Explosion, Vandalism, Theft YES YES YES
Windstrom, Hurricane, Hail YES YES YES
Glass Breakage YES by Endorsement (100% / pane No Deductable) Endorsement not available (Subject to Deductable) YES by Endorsement (100% / pane No Deductable)
       
       
This material is for informational purposes only. All statements ae subject to the limitations, exclusions and conditions of the applicable policy. A reading of the policy form will describe what is and what is not covered.
Allen Insurance Agency
Sam Allen, Agent
1001 Hill Street
Grand Prairie, Texas 75050