Texas Habitation Insurance Secrets Fortune Awaits You
Types of Coverage Available
There are several types of habitation insurance policies available in Texas, each tailored to different needs and circumstances. The most common policy is the HO-3 policy, which provides coverage for the home structure, personal property, and liability protection. For renters, an HO-4 policy is designed to cover personal belongings and liability but not the structure itself. For those with high-value homes, an HO-5 policy offers broader coverage for both the dwelling and personal property, often with fewer exclusions1.