John Rowe Insurance Agency
Rockwall, Texas
Texas Homeowner Policy Forms
Texas has a number of different Homeowner Policy Forms.
Below is a brief explanation of the different Forms sold in
Texas. This is to help the Consumer understand what they
are buying.
Texas HO-A
This is a basic Homeowner Policy. There are 8 Named
Perils covered.
  • Fire
  • Sudden and Accidental Damage from Smoke
  • Windstorm, Hurricane and Hail
  • Explosion
  • Aircraft and Vehicles
  • Vandalism and Malicious Mischief
  • Theft
Loss Settlement is ACV (Actual Cash Value) on Both the Dwelling and
Personal Property.
Replacement Cost is available by Endorsement.
Texas HO-A+, HO-A Enhanced
Several Companies have different Names and Coverages
for this type of Policy. It is still a Basic Named Peril HO-A
Policy with an Endorsement adding additional Named Perils.
They may include:
  • Sudden and Accidental tearing apart of a Hot Water System
  • Damage by Vehicles owned or operated by an insured or tenant of the residence
  • Fall of trees or limbs
  • Object falling from weight or ice, snow, or sleet
  • Collapse
  • Breakage of Glass
  • Sudden and accidental discharge of water from a plumbing, heating, or air
    conditioning system or household appliance
  • Freezing of a plumbing system
Loss Settlement is ACV with Replacement Cost Endorsements available.
Most Carriers began offering this type of Form when they discontinued
offering the HO-B Form (Broad Form). There are several Endorsements
available to the HO-A Policies, but it is still a Named Peril Form.
Texas HO-B (Broad Form)
Most Insurance Companies discontinued offering this type of Policy
several years ago. With the HO-B, almost all Perils were covered
unless they were specifically excluded in the Policy.
Texas HO-C (All Risk Form)
Again most Insurance Companies discontinued this Policy Form when
the HO-B was discontinued. This Form was similar to the HO-B with
more Coverage.
ISO Forms (Insurance Services Office)
These are Standard Forms used by Insurance Companies in most States.
Some Companies have begun offering Texas ISO Policies.
This Policy Form is very similar to the Texas HO-A Policy. It is a Named
Peril Policy.
Loss Settlement is ACV on both the Dwelling and Contents.
Several Endorsements are available to enhance this Policy.
This Policy Form is very similar to the Texas HO-B and HO-C Policies. It is an
All Risk Policy. All Perils are covered, unless they are Excluded in the Policy
Form. Please note as with most Policies, there are Sub-Limits in the Policy on
items such as Jewelry, Money and Valuable Papers, Firearms, to name just a
Note: It is important that you understand what type of Policy you are buying. If you
are unsure of the Policy Type or Coverages, ask the Agent.