pROPERTY & CASUALTY INSURANCE

Personal Lines/Commercial Lines

 

Insurance products through Texas Cypress Lloyds Insurance Company: 

Photo by RomoloTavani/iStock / Getty Images
Photo by RomoloTavani/iStock / Getty Images


Homeowners Coverage includes:

  • Dwelling (your home)
  • Contents (your personal belongings)
  • Other Structures (e.g., sheds & detached garages)
  • Additional Living Expense (if you are forced to leave your home due to damage)
  • Personal Liability (for accident/injury or property damage to others)
  • Medical Payments (expenses for non-family members injured while visiting)

Condominium Insurance: 

  • Unit Building Items floor, wall & window coverings, appliances, fixtures, cabinets, countertops, etc.
  • Personal Property your belongings such as furniture, clothing, electronics, etc.
  • Additional Living Expense normal expenses in the event you forced to leave your unit due to damage
  • Loss Assessment reimbursement for funds that your Condo association may require from you due to damage or loss
  • Liability Coverage protection in the event that someone gets hurt on your property and files a lawsuit against you

Rental Property Protection: 

  • Fair Rental Value coverage for the loss of rental income if your unit becomes damaged to the point it cannot be lived in
  • On Premises Liability protection against lawsuits if your tenant is negligent or in the event that someone is injured while on your propert

Renter's Insurance: 

  • Dwelling (your home)
  • Contents (your personal belongings)
  • Other Structures (e.g., sheds & detached garages)
  • Loss of Rents (if you cannot rent your property due to a covered loss)
  • Personal Liability (for accident/injury or property damage to others)
  • Medical Payments (expenses for non-family members injured while visiting)

Commercial General Liability Insurance: 

  • Payrolls up to $1,000,000 (larger accounts can be qualified)
  • No restrictions on staff size
  • Competitive rates & discounts available for larger operations

Comprehensive Coverage: 

  • Limits up to $1,000,000 / $2,000,000
  • 50+ eligible Trades, including:
    • Electrical Work
    • Painting
    • Carpentry-Interior or Shop Only
    • A/C Systems (Install, Service, Repair)
    • Carpet
    • Janitorial Services
    • Window Cleaning
    • Landscapers & Lawn Service
    • Tile/Stone/Marble/Mosaic/Terrazzo
    • Drywall
    • Handyperson

Products offered through Texas Security General Insurance Agency INC. 

 

Homeowners: 

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. 

Voyager Indemnity - Is an "A" rated company. This company is very comparable to Certain Underwriters. The guidelines are similar to some degree.  Voyager also offers a highly requested policy limits on accidental discharge of water. 

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. 

Republic Vanguard - Is an "A" rated company. This program is designed to write HO-A, full-time occupied residences. The maximum dwelling value is $125,000 and all risks are subject to an acceptable CLUE and Credit report. 

Sagicor High Value - Is an "A" rated company. They offer form (HOB). Sagicor is a high value market that offers coverage for risks from $250,000 up to $10,000,000. Risks over $1,000,000 must be submitted to Underwriting for rate and approval. The policy includes replacement cost and must be insured to 100% of the replacement cost value. Policy limits on accidental discharge of water is included. This form is designed for primary and secondary occupied risks. 

Scottsdale Insurance Company - Is an "A" rated company.  They offer an HOA and HOB 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. 

AEG Coastal -  AEG specializes in competitive prices for personal lines homeowners policies which includes windstorm in Harris County.  AEG offers a HOB policy for primary occupied dwellings with Coverage A limits from $100,000 to $750,000 on new business.  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. 

Dwelling Fire: 

Dwelling products are designed for tenant, vacant, secondary, and owner occupied residences. The TDP is a form to meet the needs of most. Dwelling fire forms include the basic TDP-1 to the flexible coverage of the TDP-2, to the broad coverage of a TDP-3.

Certain Underwriters @ Lloyd’s (Lloyd’s) - offers all forms (TDP-1, 2, & 3). Lloyd’s writes tenant, secondary, and owner occupied residences up to $350,000 TDP forms. VMM is available on homes without a lapse in coverage more than 30 days and premises liability up to $300,000. Replacement cost is offered on a TDP-1 and TDP-2 and is included on a TDP-3. Accidental discharge of water and replacement cost is offered on a TDP-2 and included on a TDP-3 form. You may schedule up to 5 homes on one policy with a break in policy fee. 

Voyager Indemnity - offers all forms (TDP-1, 2, & 3). Voyager also writes 3-plex and 4-plex properties, including vacant dwellings. Vacant dwellings can be written with up to $250,000 liability. Risks written with Voyager that include replacement cost must be insured to 100% of the replacement cost value. Policy limits on accidental discharge of water is available on a TDP-2 and TDP-3 form. Voyager also allows up to 5 homes scheduled on one policy.

Sagicor High Value offers form (TDP-3). Sagicor is a high value market that offers coverage for risks from $250,000 up to $10,000,000 that includes replacement cost and must be insured to 100% of the replacement cost value. Policy limits on accidental discharge of water is included. This form is designed for primary, secondary and tenant occupied risks. 

Ranchers & Farmers - Is an admitted carrier backed by an "A" rated company. This policy is billed in monthly installments under a Direct Bill system.  The insured does not have to sign a finance agreement.  By-line and Senior Package programs are available.  The Senior programs start at 50 yeard old. 


Scottsdale Insurance Company - offers all forms (TDP-1, 2 & 3).  Scottsdale writes tenant, secondary and owner occupied residences up to $525,000.  VMM is available on homes without a lapse in coverage more than 30 days and premises liability up to $1,000,000.  Replacement cost is included on a TDP-3.  Accidental discharge of water and replacement cost is offered on a TDP-2 and included on a TDP-3 form.  You may schedule homes on one policy with a break in policy fee.  Scottsdale also offers vacant land, monoline liability and Builders Risk. 

Mobile Home:

Programs designed for mobile homes used for Owner Occupied, Seasonal or Rental homes all over Texas including 1st and 2nd tier coastal counties.

American Reliable Insurance - Is an “A” rated admitted company that writes “Broadform Comprehensive” coverage’s. CPL is available to 300,000 on owner risk & 100,000 on tenant occupied.

Certain Underwriters Coastal Program - Is an "A" rated admitted Company. These 2 products both include the wind in 1st Tier (coastal counties) with a requirement of more than 2 miles to salt water. These programs have the flexibility to "tailor" the policy to the costumer's need. Up to 300,000 CPL is available on owner occupied risks. 

Ranchers & Farmers - Is an admitted carrier backed by an “A” rated company. This policy is billed in monthly installments under a Direct Bill system. The insured does not have to sign a finance agreement. By-Line and Senior Package programs are available. The Senior Programs start at 50 years old. 

Flood:

Standard flood coverage insurers residences up to $250,000.00. Preferred Risk coverage, designed for properties in low risk areas, provides coverage packages up to $250,000.00 for the structure and $100,000 for contents. Flood Contents Only Coverage is also available.