515 WSW Loop 323 | Tyler, Texas 75701
Ph (903) 581-0077 | Ph (800) 256-6400
Fax (903) 306-0652

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Homeowners

Your home may be the largest investment you ever make.  A Homeowners policy provides coverage for your dwelling, other (adjacent) structures, personal property, loss of use, personal liability and medical payments.  We strive to educate our clients with the various Homeowners Policy Forms available in Texas. Below is a list of the most common forms available and a brief description for each.  We are very excited to be able to offer all of these policy forms and more.  We can customize a home insurance policy to fit your needs.

HO-A – provides limited named peril coverages at actual cash value (depreciated value) on your dwelling and personal property.  A loss is covered only if the cause of loss is a named peril in the policy, subject to policy conditions and exclusions.

HO-A Plus – provides additional extended coverages, allows for replacement cost coverage on your home and contents, but is still a restrictive policy providing coverage for only perils named in the policy and subject to policy conditions and exclusions.

ISO Form HO-3 – provides coverage for any cause of loss, subject to policy conditions and exclusions on the dwelling with replacement cost coverage and optional endorsements adding water back up, water damage and foundation coverage; provides named peril coverage on the personal property with endorsement for replacement cost on contents. 

HO-B – provides coverage for any cause of loss, subject to policy conditions and exclusions on the dwelling with replacement cost coverage including water damage, water back up without endorsement; provides named peril coverage on contents with endorsement for replacement cost.   There is no coverage for windstorm, hurricane or hail for structures partially or wholly over water, unless a specific company endorsement has been filed with the state

HO-C / HO-5 –similar to their respective form (HO-B & HO-3); however, this provides coverage for any cause of loss, subject to policy conditions and exclusions on the dwelling with replacement cost coverage via endorsement for contents.  This policy is the most comprehensive and the most expensive.

Also, please be aware that companies may have their own policy form, which has been previously filed and approved with the Texas Department of Insurance.  It is very important that you thoroughly review your policy and endorsements. 

*HO-A Named Perils: Fire and lightning, Sudden and Accidental Damage from Smoke, Windstorm, Hurricane, and Hail, Explosion, Aircraft and Vehicles, Vandalism and Malicious Mischief, Riot and Civil Commotion, Theft

*Additional Extended Coverages (for HOA-Plus):  Sudden and Accidental tearing apart, cracking, burning or bulging of steam or hot water heating or storage systems in a building, Fall of trees or limbs, objects falling from weight of ice, snow or sleet, collapse, sudden accidental discharge or overflow of water or steam, freezing of plumbing, heating or air conditioning

*Most commonly covered Personal Property Named Perils: Fire and Lightening, Sudden and Accidental Damage from Smoke, Windstorm, Hurricane and Hail, Explosion, Aircraft and Vehicles, Vandalism and Malicious Mischief, Riot and Civil Commotion, Collapse of Building, Accidental Discharge, Leakage or Overflow of Water or Steam (does not include loss to system or appliance), Falling Objects, Freezing of household appliances,   Theft

*This is only a brief summary of coverages provided and is not a substitute for the actual policy language.  The policy form you choose may likely cover additional perils not shown above.  Always consult your actual policy language to determine the full extent of your coverage.*



Threlkeld & Company Insurance
515 WSW Loop 323
Tyler, Texas 75701

Ph (903) 581-0077
Ph (800) 256-6400
Fax (903) 306-0652