Homeowners Insurance
Online Publication
Homeowners Insurance
Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. It is important to know what´s in your policy. Make sure you read your policy carefully and understand your specific coverages. It´s also important to know your rights. Texas has a Consumer Bill of Rights for homeowners and renters insurance. Your company must send the Bill of Rights with your policy or renewal.
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Flood, Wind, Hail - Online Brochure
Windstorm Insurance Inspections
The Texas Windstorm Insurance Association (TWIA) is the state´s insurer of last resort for wind and hail coverage in the 14 coastal counties and parts of Harris County. * TWIA provides wind and hail coverage when insurance companies exclude it from homeowners and other property policies sold to coastal residents.
TDI Answers Flood Victims´ Frequently Asked Questions
Coastal Property Inspections FAQs
- Windstorm Inspection for Your Coastal Property - If you plan to build, add to, or renovate a home or other structure and want TWIA coverage, you or your builder should request an inspection by a Texas Department of Insurance (TDI) windstorm inspector or a Texas licensed professional engineer appointed by TDI. The inspectors verify compliance with state standards for wind-resistant construction.
Related Web Links for Homeowners
Finding and Keeping Coverage
- Office of Public Insurance Counsel Web Site - Compare Homeowners Insurance Coverages
- Helpinsure.com - Helps Texans shop for homeowners insurance. The Web site - www.helpinsure.com - and toll-free number - 1-866-695-6873 - are a free and secure service of the State of Texas and the Texas Department of Insurance (TDI).
- Help for Coastal Residents - Texas Windstorm Insurance Association (TWIA) is a "pool" of all Property & Casualty insurers in Texas. It provides Texans with wind and hail coverage when it is not available in the insurance marketplace and pays claims when losses occur. | TDI Windstorm Information and Inspections - Includes information about windstorm inspections, building code details, building product evaluations, educational material, downloads and contact information.
- Texas Fair Plan - The Texas FAIR Plan Association provides residential property insurance to qualified consumers who are having difficulty obtaining coverage from licensed insurance companies.
- Voluntary Inspection Program - Texas´ Voluntary Inspection Program (VIP) offers owners of well-maintained homes a way to show insurers that they deserve coverage. Under the VIP, a home receives a "certificate of insurability" if it passes an inspection by a credentialed inspector, qualified by the Texas Department of Insurance (TDI). | A list of qualified VIP inspectors
Complaints
- Homeowners Online Complaint Form - Information disclosed in this form helps us resolve your complaint. Complaints requiring supporting documents should be mailed or faxed. If you file on-line, print a copy of your completed complaint form before using the "submit" button at the bottom of the form. Add that copy to any supporting documents you mail or fax. It will help speed up the process. You can expect an acknowledgement letter once your complaint form has been received.
- Helping You With Your Insurance Complaint - Each year TDI assists consumers with more than 18,000 insurance-related complaints. Because of TDI´s efforts, consumers receive millions of dollars a year in additional claim payments and refunds. This online publication explains how we can help you with your insurance problem and how you can file a consumer complaint.
- Consumer Complaint Information/Data - Search TDI´s Internet Complaint Information System (ICIS) by (1) Summary Complaint Information by Quarter (2) Region Complaint Information by Quarter or (3) Line of Insurance.
Consumer protections against losing insurance coverage
Home and auto insurance offer security against the unexpected. So a letter telling you that your insurance company no longer will cover your home or car can be an unsettling experience. Knowing your rights about when insurance coverage can legally be discontinued can help ease that stress.
Find out more.
Publications
- Homeowners Insurance Price Comparisons - Shopping for insurance can usually save you money. Check our homeowners rate guide. Make sure you understand what coverages are included and that you´re comparing equivalent policies.
- Handling Water-Damage and Mold Claims - These guidelines are designed to help consumers with claims involving water or potential mold damage.
- Homeowners Insurance - Homeowners insurance protects you from losses caused by storms, fire, theft, and other events outlined in your policy. This publication gives you general information about homeowners insurance.
- Windstorm Insurance Inspections - If you plan to build, add to, or renovate a home or other structure and want Texas Windstorm Insurance Association (TWIA) coverage, you or your builder should request an inspection by a Texas Department of Insurance (TDI) windstorm inspector or a Texas licensed professional engineer appointed by TDI.
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Renters/Condominum
Online Brochure
Renters Insurance
News reports of apartment fires often include tragic stories of renters who lost everything because they were uninsured. If you rent an apartment, duplex, house, or townhouse, your landlord´s insurance policy covers losses to the building, but it does not cover your personal property. To protect your belongings, you need a separate renters insurance policy. Renters insurance covers your personal property and household items in the event of a fire, theft, or other loss. It also offers you financial protection if a visitor is injured in your home.
Related Web Links for Homeowners
Related Web Links for Homeowners
For more information, contact: AutoHome@tdi.state.tx.us
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