The Texas Homeowners insurance market has greatly
changed in Texas Texans should be educated about the changes.
Most Texas home owners are unaware of the changes. Many insurance
companies have fled the Texas homeowner insurance market or
have stopped offering coverage at all. What is so different
about Texas homeowner policies that make Texas insurance hard
There are three main reasons why Texas homeowner insurance
costs more and is hard to shop for than any other state in
First, Texas weather patterns. Not too many other states
have both the coastal risks and tornado risks that Texas has.
Not too mention all of the hail storms North Central Texas
has every year.
Second, our Texas Homeowner insurance policy has language
unlinke that of other state. For many years, Texas policy
language was that of an "all risk" policy, with
certain risks specifically excluded from the policy language.
Too often, the Texas Homeowner Insurance Policy became a "home
maintenance policy". Any thing that went wrong with the
residence was turned in as a claim and often times paid out
to the insured. The Texas Department of Insurance has worked
with insurance carriers now and allowed different policy types
to be written in Texas.
Finally, the age of technology has put insurance carriers
ahead of predicting claim frequency and severity. Now, some
insurance carriers rate your policy or offer insurance based
on factors such as credit history and previous claims history.
At Texas Insurance Zone we strive to help homeowner insurance
quote shoppers make better decisions inspite of these factors.
Texas Insurance Zone represents several Texas homeowner
insurance carriers that can help you with coverage in
all situations. Our quote form is secure, protecting your
Texas Homeowners Insurance programs protect homeowners in
the state of Texas from experiencing personal financial setbacks
if you they involved in with a homeowner claim.