Homeowners

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Homeowner Products

Our homeowner products are designed for primary, full-time occupied residences. The HO-A is our most popular form. Some companies offer the ability to endorse replacement cost on the dwelling and personal property which is also known as an HOA +. The HOB is our broad form. This form is an all risk policy and includes replacement cost.

Certain Underwriters @ Lloyd’s - Is an "A" rated company. This is our most flexible company. They offer the HOA, HOA+ and HOB form with several credits to offer the insured. The maximum dwelling value is $250,000 in most counties. Lloyd’s accept homes with wood roofs, asbestos siding, and semi or unprotected homes with a premium surcharge. This company is designed to make room for the "hard to place" risks.  Login to view the complete underwriting guidelines.

AEG - Coastal - Is an "A++" rated company. AEG specializes in competitive prices for personal lines homeowners policies which includes windstorm in Harris & Fort Bend Counties.  AEG offers a HOB policy for primary occupied dwellings with Coverage A limits from $100,000 to $750,000 on new business. The policy includes replacement cost and policy limits on accidental discharge of water is also included. Deductibles are 1% ($1,000 minimum) AOP and 2% windstorm, hurricane and hail with the ability to increase.  AEG accepts risks built from 1945 and newer. Login to view the complete underwriting guidelines.

 

Certain Underwriters – QBE - Coastal - Is an "A" rated company. QBE specializes in competitive prices for personal lines homeowners policies which includes windstorm in Tier 1 and Tier 2. QBE offers a HOB policy for primary occupied dwellings with Coverage A limits from $100,000 to $750,000 on new business.  The policy includes replacement cost and policy limits on accidental discharge of water is also included.  HOA + with options to enhance the standard HOA policy COMING SOON.  Deductibles are 1% ($1,000 minimum) AOP and 2% windstorm, hurricane and hail with the ability to increase.  QBE accepts risks built from 1945 and newer. Login to view the complete underwriting guidelines. 

 

Scottsdale Insurance Company - Is an "A+" rated company.  They offer an HO8 and HO3 form with several optional endorsements and credits to offer the insured. The maximum dwelling value is $525,000. Scottsdale accepts homes with wood roofs, metal roofs and semi or unprotected homes with a premium surcharge. This company takes pride in accepting higher liability risks including risks with home daycare on the premises or a one chair beauty shop.  Login to view the complete underwriting guidelines.

Great Lakes - Is an "A+" rated company. They offer the HOA. HOA+ and HOB form with several credits to offer the insured. Maximum dwelling value in $250,000 in most counties. This company is flexible and is a great option for the hard to place risks.  Login to view the complete underwriting guidelines.

United National Insurance Company - Is an "A" rated company. This company is very comparable to Certain Underwriters. The guidelines are similar as well.  UNIC also offers a highly requested policy limits on accidental discharge of water. Login to view the complete underwriting guidelines.

Ranchers and Farmers - Is an admitted carrier backed by an “A” rated carrier in Aegis. This policy is billed in monthly installments under a “direct bill” system and does not require premium finance. This company offers an HOA form. The home must be owner occupied and the maximum TIV exposure for this form is $250,000. Login to view the complete underwriting guidelines.

TSGA @ A Glance

Commercial Lines Business

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Personal Lines Business

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Texas Security General
Insurance Agency, LLC.

18545 Sigma Rd., Suite 101
San Antonio, Texas 78258
Phone: 210-764-1233
Toll Free 1-800-714-6789

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