PROPERTY INSURANCE

Property Insurance Coverage options in Houston, Texas

Top Tex Insurance Agency has been serving Houston since 1994. We understand the particular needs and liabilities of families and businesses in the Houston area, and we will design an insurance plan to cover the specific risks to your home and/or commercial building so that should the worst happen, you can get back on your feet as quickly as possible.

HOMEOWNERS INSURANCE covers your dwelling, other structures on your property, your personal property and liability for injuries or damage to someone else’s property. Additional policies can be purchased to cover medical and living expenses as well as possible claims if someone is injured or their property is damaged.

COMMERCIAL PROPERTY INSURANCE covers your company’s physical assets: the building as well as everything inside of it like your computers, equipment and furniture. It also covers everything just outside the building such as signs, fencing and landscape.

Commercial Building Insurance
Home Insurance
Mobile Home Insurance
Condo Insurance
Flood Insurance
Personal Umbrella
Leased Commercial Property Insurance
Renter’s Insurance
Vacant Property Insurance

Replacement Cost
Replacement Cost covers the cost of replacing or repairing property at the same or equal value. The coverage is based on replacement cost values rather than the cash value of items.

Actual Cash Value
Actual cash value coverage pays the owner or renter the replacement cost minus depreciation. If the destroyed item is 10 years old, you get the value of a 10-year-old item, not a new one.

Extended Replacement Costs
Extended replacement costs pay more than the coverage limit if the costs for construction have gone up. Usually, will not exceed 25% of the limit.