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
    premises
  • 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.
HO-2
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.
HO-3
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
few.
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.