The Texas Homeowners insurance market has greatly changed in Texas Texans should be educated about the changes. Most Texas home owners are unaware of the changes. Many insurance companies have fled the Texas homeowner insurance market or have stopped offering coverage at all. What is so different about Texas homeowner policies that make Texas insurance hard to find?

There are three main reasons why Texas homeowner insurance costs more and is hard to shop for than any other state in the Union.

First, Texas weather patterns. Not too many other states have both the coastal risks and tornado risks that Texas has. Not too mention all of the hail storms North Central Texas has every year.

Second, our Texas Homeowner insurance policy has language unlinke that of other state. For many years, Texas policy language was that of an "all risk" policy, with certain risks specifically excluded from the policy language. Too often, the Texas Homeowner Insurance Policy became a "home maintenance policy". Any thing that went wrong with the residence was turned in as a claim and often times paid out to the insured. The Texas Department of Insurance has worked with insurance carriers now and allowed different policy types to be written in Texas.

Finally, the age of technology has put insurance carriers ahead of predicting claim frequency and severity. Now, some insurance carriers rate your policy or offer insurance based on factors such as credit history and previous claims history.

At Texas Insurance Zone we strive to help homeowner insurance quote shoppers make better decisions inspite of these factors.

Texas Insurance Zone represents several Texas homeowner insurance carriers that can help you with coverage in all situations. Our quote form is secure, protecting your personal information.

Texas Homeowners Insurance programs protect homeowners in the state of Texas from experiencing personal financial setbacks if you they involved in with a homeowner claim.