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 groundor 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 froma 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)