helpinsure.com - Homeowners Insurance Provider / Contact List

Homeowners Insurance
Provider List

(This is a list to help Texans find homeowners insurance.
It includes only those companies
selling to new customers.)

NOTICE: (1) Eligibility is based on each company's underwriting guidelines, and NOT ALL APPLICANTS WILL MEET THOSE GUIDELINES. In addition, NOT ALL COMPANIES SELL IN EVERY AREA OF THE STATE, NOR DO THEY SELL TO NON-MEMBERS. You are encouraged to contact the listed companies or the companies' agents directly to discuss your insurance needs. A company may redirect you to one of their agents to discuss coverage. Understand that even though the companies listed may be selling in Texas, they are not required to offer coverage to everyone. Companies may decide they are not writing homeowners insurance at this time or in certain areas. However, state law prohibits a company from rejecting coverage for a homeowner for reasons considered discriminatory. (2) Under Texas law, an insurance company cannot deny, refuse to renew, limit or charge more for coverage, or unfairly discriminate in any manner because of your race, color, religion, or national origin. Nor can a company discriminate because of your age, gender, marital status, geographic location, or disability or partial disability unless the refusal, limitation, or higher rate is based on sound underwriting or actuarial principles. This means the company must have valid evidence that you present a greater risk for a loss than other homeowners it is willing to insure. (3) Texas Department of Insurance (TDI) rules prevent companies from denying coverage based on the age and value of your home. However, companies may deny coverage because of the condition of the dwelling, including the plumbing, wiring, and heating and air conditioning systems. (4) Companies included in the current provider listing are subject to change without notice. (5) As a convenience to our users, Helpinsure.com offers links to certain Web sites. Helpinsure.com has no control over the linked sites and cannot guarantee, or be held responsible for, materials found on those sites. A link to another Web site does not mean that Helpinsure.com or the Texas Department of Insurance endorses that site or the owner of that site.

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Alphabetical Listing Updated - January 2007

Company Name Click for Profile	Website	Phone Number	Policy Type Offered More Information	NAIC Number
AIG Advantage Insurance Company (formerly listed as Minnesota Insurance Company)	www.aigpcg.com	n/a	PC HO-TX	25232
Allstate Texas Lloyds	www.allstate.com	(800) 255-7828	HO-A Amended/Replacement Cost on Contents	26530
America First Lloyds (formerly listed as OneBeacon Lloyds of Texas and CU Lloyds)	www.americafirst-ins.com	(Please check with local independent agent.)	HO-A Amended	11526
American Mercury Lloyds Insurance Company	www.mercuryinsurance.com	(800)503-3724	Only Mercury's TX NP-10 and TX SP-10.	25470
American Modern Lloyds Insurance Company	www.amig.com	(800) 492-5351 (ask for sales)	Only HO-A Policies for Mobile Homes. Replacement Cost on Dwelling and Contents.	42005
American National Lloyds Insurance Company	www.anpac.com	(800) 333-2860	HO-A Amended/Replacement Cost on Contents (12-02)	10043
American Summit Insurance Company	www.american-summit.com	(800) 749-6419	Personal Mobile Homeowners Coverage	19623
AMEX Assurance Company	no website for home products	(800) 842-3344 (Sales)	HO-B, HO-BT, HO-CON-B	27928
Amica Lloyds Of Texas	www.amica.com	(800) 242-6422 (1-800-24-AMICA)	HO-3 and HO-5 (ISO)	10896
Apex Lloyds Insurance Company	No Web Site	(800) 422-1359 (254) 757-2424 FAX (254) 757-0306	HO-B in Most Areas	43133
Armed Forces Insurance Exchange	www.afi.org	(800) 255-6792 (current members) (800) 495-8234 (prospective members)	HO-B, Mold Limitations and Buyback, (Eligibility: certain current, former military)	41459
ASI Lloyds	www.asilloyds.com	(866) 248-4181	HO-A Amended and HO-B (for newly constructed homes)	11059
Austin Indemnity Lloyds Insurance Company	www.austinindemnity.com	(866) 877-7733 Jay Barnes, x 230	HO-A, HO-B (Texas)	12008
Auto Club Indemnity Company	www.AAA-Texas.com	(800) 765-0766	HO-A (Standard Home); HO-A Amended (Deluxe Home)/Replacement Cost on Dwelling, optional for Contents; HO-B (Premier Home); HO-BT; HO-CON-B	11008
Balboa Insurance Group Balboa Insurance Company Newport E & S Insurance Company	www.balboainsurance.com	(800) 854-6115	HO-A and HO-B HO-A Amended, Replacement Cost on Contents	24813 11191
Beacon Lloyds Insurance Company	www.beaconins.com	(800) 234-9024	HO-A Amended, Replacement Cost on Contents, Sudden and Accidental Discharge (12-02)	11284
Chubb Lloyds Insurance Company Of Texas	www.chubb.com	(800) 873-0777 Check Web site for independent agent.	HO-B and HO-C with TDI's Mold Options	27774
CMI Lloyds	www.central-insurance.com	(800) 786-0673 Check Web site for independent agent.	HO-A Amended, Replacement Cost on Contents	42382
Colonial Lloyds	www.colonialsavings.com	(800) 999-9295	HO-A, HO-A Amended, HO-A Amended with Replacement Cost	40673
Columbia Lloyds Insurance Company	No Web Site	(800) 275-6768	HO-A and Texas Dwelling Policy	20320
Cypress Texas Lloyds		(888) 462-8021	HO-A Amended with replacement cost coverage for dwelling and contents	11578
Dallas National Insurance Company, A Texas Stock Insurance Company	www.Dallasnationalins.com	(800) 533-0457	HO-A, HO-A+, HO-B, TDP 1, 2, 3	32271
Delta Lloyds Insurance Company Of Houston Texas	www.deltains.com	(800) 666-2678	HO-B and HO-C, HO-A and HO-A Expanded	15458
Electric Lloyds Of Texas	www.electricinsurance.com	(800) 227-2757	ISO Forms HO2, HO3 (Eligibility: GE employees only)(12-02)	10961
Encompass Indemnity Company	www.encompassinsurance.com	Check with a local independent agent	HO-A Plus, (Writing only a few policies/month, stringent guidelines.)	15130
Farmers Insurance Group Texas Farmers Insurance Company Farmers Insurance Exchange Fire Insurance Exchange	www.farmers.com	1-800-225-0011	Texas Family Home Policy (Farmers' Homeowner Policy) HOA, HOA Amended, HOA Amended with Replacement Cost on Dwelling and Contents HOB-T Tenant, TDP-1 Dwelling Fire Policy	21695 21652 21660
Federal Insurance Company	www.chubb.com	(908) 903-2000	HO-B, HO-C	20281
Fidelity National Title Group Fidelity National Indemnity Insurance Company Fidelity National Property and Casualty Insurance Company	www.fnf.com	(800) 849-6140	HO-3 (ISO) (Includes replacement cost dwelling and contents and additional optional coverages)	11523 16578
Foremost Lloyds Of Texas	www.foremost.com	(616) 942-3000	HO-A Amended/Replacement cost for dwelling and contents optional	41688
GeoVera Insurance Company	www.gvhomeowners.com	(800) 785-2181	HO-B with replacement cost on dwelling and contents	10799
Hartford Lloyds Insurance Company	www.thehartford.com	(800) 624-5578	HO-A enhanced (as of 6/03 for new business)	38253
Homeowners of America Insurance Company	www.hoaic.com	(972) 607-4241 or toll-free (866) 407-9896	HO-A, HO-A Amended, HO-B Amended	12536
Horace Mann Lloyds	www.horacemann.com	(800) 999-1030	HO-A, Replacement Cost on Dwelling and Contents, (Eligibility: All school district employees)	10996
Houston General Insurance Exchange		Please check with local independent agent.	Broad Form (HO 2000, Homeowners Special Form (HO 3000), Contents Broad Form (HO 4000), Unit Owners Form (HO 6000)	11988
IDS Property Casualty Insurance Company	no website for home products	(800) 842-3344 (Sales)	HO-A+ (Special policies only)	29068
Imperial Fire and Casualty Insurance Company	No Web Site	(888) 522-8242	HO-A, HO-A Amended, HO-B, TDP-1, and TDP Amended	44369
Liberty Mutual Group Liberty Lloyds Of Texas Insurance Company Liberty Mutual Fire Insurance Company	www.libertymutual.com	(800) 490-0233	HO-A Amended, Replacement Cost on Contents HO-A Amended, Replacement Cost on Contents	11041 23035
Lincoln General Insurance Company	www.twfg.net	(866) 466-8934	HO-A Amended with replacement cost, HO-B	33855
Metropolitan Lloyds Insurance Company Of Texas	www.metlife.com	(800) 422-4272	HO-B	13938
Middle States Insurance Company	N/A	(903) 938-5191	ICT HO-B	31810
National American Insurance Company	www.naico.com	(800) 822-7802	HO-A and DP-1	23663
National Lloyds Insurance	www.natlloyds.com	(800) 749-6419	HO-A and DP-1	15474
National Specialty Insurance Company	www.statenational.com	(800) 877-4567	HO-A Amended and HO-B	22608
Nationwide Lloyds	www.nationwide.com	(800) 882-2822	HO-542 (Nationwide's Homeowner Policy)	42110
Nationwide Property & Casualty Insurance Company	www.nationwide.com	(800) 882-2822	HO-542 (Nationwide's Homeowner Policy)	37877
New Century Lloyds	No Web Site	(800) 328-3379	HO-A with Replacement Cost Endorsement	11047
Pacific Specialty Insurance Company	www.psic-onespot.com	(800) 303-5000	HO-3 (Homeowners), HO-4 (Renters) & HO-6 (Unit-Owners)	37850
Priority One Insurance Company	www.rvos.com	(800) 328-3379	HO-A With Replacement Cost for Dwelling and Personal Property	36943
Property and Casualty Insurance Company of Hartford (AARP Program)	www.thehartford.com	(800) 423-4114	HO-2, HO-3 & HO-5 (Dwelling) HO-6 (Condo) HO-4 (Tenants)	34690
Ranchers & Farmers Insurance Company	No Web Site	Check with local independent agent	HO-CI & HO-CU (Ranchers & Farmers Homeowners Policy forms)	11853
Republic Lloyds	www.republicgroup.com	(800) 344-2275	HO-A/HO-A Amended, HO-3	19208
Safeco Insurance Company of Indiana	Safeco.com	Please visit Safeco.com for a local independent agent or call 1-800-4Safeco.	CHO-6295 - Safeco's Homeowners Policy	11215
Safeco Lloyds Insurance Company	Safeco.com	Please visit Safeco.com for local independent agent.	HO-A Amended	11070
Sentinel Insurance Company, Ltd.	www.thehartford.com	(800) 624-5578	HO-3, HO-2 & HO-5 (Dwelling) HO-6 (Condo) HO-4 (Tenants)	11000
Southern Vanguard Insurance Company	www.republichp.com	(713) 621-9191	HO-A	10925
Southland Lloyds Insurance Company	No Web Site	(214) 340-9393	HO-A, HO-B	20800
State Farm Lloyds	www.statefarm.com	Check website or local phone book for nearest agent.	HO-W (State Farm's Homeowner Policy)	43419
Stonington Lloyds	atlasgeneral.com	N\A	HO-A, HO-A Amended, and HO-B	11497
Texas Farm Bureau Underwriters	www.txfb-ins.com	(800) 772-6535	HO-A, HO-A Amended, HO-A Amended with Replacement Cost (12-02)	25399
Texas Heritage Insurance Company	www.texasheritageinsurance.com	(800) 392-2202	Basic Dwelling Policy	12598
Travelers Lloyds Of Texas Insurance Company	www.travelers.com	(866) 849-6427	HO-A Amended	41564
Trinity Universal Insurance Company	www.kemperautoandhome.com	Check website for nearest agent	HO-A+, HO-B, HO-BT, HO-BCON	19887
U S Lloyds Insurance Company	www.siatexas.com	(800) 929-2424	HO-A and HO-B (12-02)	13781
United Fire Lloyds	www.unitedfiregroup.com	(866) 827-2941	HO-A, replacement cost for dwelling and personal property, HO Tenant B	43559
United Services Automobile Association	www.usaa.com	(800) 531-8111	HO-3RTX (USAA's Homeowner Policy) (Eligibility: U.S. Military active duty, Guard, Reserve)	25941
Universal Insurance Company of Texas	www.uictx.com	(866) 95-UICTX	HO-A, HO-A Amended, HO-B, HO-CON-B, mold Remediation limitation and buy-back, replacement cost on contents available	10759
USAA Texas Lloyds Company	www.usaa.com	(800) 531-8111	HO-3RTX (USAA's Homeowner Policy) (Eligibility: U.S. Military active duty, Guard, Reserve)	11120
Wellington Insurance Company	N/A	800-880-0474 ask for personal lines	HO-A, HO-A Amended, Replacement Cost available	22390

Commissioner of Insurance Statement About Homeowner Insurance Renewal Notices

Eligibility is based on each company's underwriting guidelines, and NOT ALL APPLICANTS WILL MEET THOSE GUIDELINES. In addition, NOT ALL COMPANIES SELL IN EVERY AREA OF THE STATE, NOR DO THEY SELL TO NON-MEMBERS. You are encouraged to contact the listed companies or the companies' agents directly to discuss your insurance needs. A company may redirect you to one of their agents to discuss coverage. Understand that even though the companies listed may be selling in Texas, they are not required to offer coverage to everyone. Companies may decide they are not writing homeowners insurance at this time or in certain areas. However, state law prohibits a company from rejecting coverage for a homeowner for reasons considered discriminatory.

For more information, Contact Us

Policy Types | Policy Comparisons by the Office of Public Insurance Counsel

HO-A Policies provide extremely limited actual cash value coverage of your home and its contents. Only the types of damage specifically listed in the policy are covered.
HO-A Amended Policies provide more extensive coverage than the base HO-A policy, but less coverage than the HO-B. For instance, HO-A Amended policies may include replacement cost coverage of the structure and contents and coverage of damage from "sudden and accidental" water discharges. These are not covered by the base HO-A policy.
HO-B Policies provide replacement cost coverage for most types of damage, except those specifically excluded in the policy.
HO-C Policies provide the most extensive coverage, but are more expensive than other types of policies.
Other Approved Policies are policies of national insurance organizations or large national companies that the Commissioner of Insurance has approved for sale in Texas. Coverage provided by these policies may differ considerably from one another and from the coverage provided in standard Texas homeowners policies.

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Homeowners Insurance Provider List

Homeowners Insurance
Provider List