Texas · Three forms, one building
Homeowners, dwelling, and landlord insurance are not three prices for the same contract. An HO-3 assumes you live in the house. A rented house needs a dwelling form. This page will not name a best carrier.
Coverage A is the cost to rebuild, not the sale price, and land is not insured. On an HO-3 the dwelling is usually open-peril and the contents are named-peril. Flood is excluded on both. Other structures, Coverage B, often start at 10 percent of Coverage A. That is common, not universal. An attached garage is usually Coverage A. Loss of use pays extra living costs after a covered peril. It does not pay the mortgage. Personal liability on the HO-3 is for other people, not for rebuilding your own kitchen. A personal umbrella pays only after those liability limits. It does not insure the building or lost rent.
The owner-occupant policy: Texas homeowners, how it is put together, dwelling coverage, other structures, and loss of use. Liability, not the building: personal liability and umbrella. The rental: landlord insurance, what it actually protects, DP-3, and why there is no statewide landlord price here. Becoming a landlord: the role, not a premium. The tenant’s policy: renters insurance. What the dwelling form leaves out: flood and hail. Shopping is not a ranking: there is no best-of list. The coverage map: what homeowners coverage means.
