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TEXAS OFFICE OF PUBLIC INSURANCE COUNSEL

“Compare Policy Coverages” http://www.opic.state.tx.us/hoic.php

Allstate

Comparisons

Coverages

StandardHO-B (Texas

Department of Insurance

promulgated form- can be used byany company)

Allstate LloydsHO-A with

endorsement HO-470T

Allstate Fire & Casualty AFH1

Allstate Fire & Casualty

AFH1 withendorsement AFH2

Type of Coverage

Dwelling ALL risks Named Perils Named Perils ALL risks

PersonalProperty

Named Perils Named Perils Named Perils Named Perils

Water Damage

Sudden andAccidentaldischarge oroverflow of water orsteam from aplumbing,heating, airconditioningsystem

YES YES but does notcover discharge oroverflow that isbelow ground orwithin or below thefoundation.

YES but does notcover discharge oroverflow that isbelow ground orwithin or below thefoundation.

Limited foundationcoverage is offeredby the policy (See

Damage toFoundation/Slab onthis chart)

YES but does notcover discharge oroverflow that isbelow ground orwithin or below thefoundation.

Limited foundationcoverage is offeredby the policy (See

Damage toFoundation/Slab onthis chart)

Continuous or

Repeatedleakage fromplumbing,heating, airconditioning

YES NO NO NO

Backup of sewers/drains

YES NO NO YES providescoverage for a losswhich backs upthrough a sewer or

drain located withinthe residencepremises

Freezing of plumbing orheatingsystem

YES certainprecautions must betaken by insured if property isunoccupied

YES certainprecautions must betaken by insured if property isunoccupied, vacantor under construction



http://www.opic.state.tx.us/hoic.php





Flood/Surfacewater

NO Flood Insurancecan be obtainedthrough FEMA andthe National FloodInsurance Program(NFIP). Theirwebsite ishttp://www.fema.gov/nfip

NO Flood Insurancecan be obtainedthrough FEMA andthe National FloodInsurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip



Mold

Mold, Fungi orOtherMicrobes

YES Only if themold is on propertyphysically damagedby sudden andaccidental water orsteam. This includeshidden andconcealed damagethat is reported

within 30 days of detection.

LIMITED to damageresulting fromcovered perils namedin the policy.

YES Limited to$5000 in the eventof a covered waterloss

YES Limited to$5000 in the eventof a covered waterloss

Cost of

Testing,Remediation,and LivingExpenses dueto Mold, Fungior OtherMicrobes

NO however, an

endorsement mustbe offered toprovide coverage upto the policy limitsfor these costs.

PLEASE

NOTE: While thebase policy does not

cover the cost of

testing,remediation, andliving expenses dueto mold, fungi orother microbes, itdoes provide some

basic but limitedmold coverage (seecoveragedescriptionunder Mold , Fung i

o r O t he r

Microbes for

further

explaination)

YES coverage up to

the policy limits forthose perils namedin the base policy:1. fire and lightning2. sudden andaccidental damagefrom smoke3. windstorm,hurricane, and hail4. Explosion5. Aircraft andvehicles6. vandalism andmalicious mischief 7. riot and civilcomotion8. theft.Coverage limited to$5,000 for anyadditional perils

YES Included in the$5000 limit (SEE"Mold, Fungi orOther Microbes"coverage above)

YES Included in the$5000 limit (SEE"Mold, Fungi orOther Microbes"coverage above)

Other Perils Covered

Damage toFoundation/Slab

YES If damageresults from acovered water leak

NO YES If damageresults from a"Sudden & Accidental" water

loss from aplumbing, heating,air conditioning

YES If damageresults from a"Sudden & Accidental" waterloss from aplumbing, heating,air conditioning



system, householdappliance, orsprinkler system, thepolicy covers thecost to tear out andreplace any part of the dwelling toaccess the leak aswell as any damageto the dweeling orpersonal property.

PLEASE NOTE: Thiscoverage is limitedto the amount shownon the declarationspage forslab/foundationcoverage.

system, householdappliance, orsprinkler system, thepolicy covers thecost to tear out andreplace any part of the dwelling toaccess the leak aswell as any damageto the dweeling orpersonal property.

PLEASE NOTE: Thiscoverage is limited tothe amount shownon the declarationspage forslab/foundationcoverage.

Falling

Objects,includingTrees

YES YES trees and limbs

only

YES YES

Weight of Ice,

Snow andSleet

YES YES for objects

falling from weight of ice, snow and sleet

YES YES

Collapse YES unless caused

by earth movement

YES unless caused

by earth movement

YES Collapse does

not include settling,cracking, shrinking,bulging, expansion,sagging or bowing.

YES Collapse does

not include settling,cracking, shrinking,bulging, expansion,sagging or bowing.

Damage byAnimals

(PLEASENOTE:Companies donot generally

cover damagefrom birds,vermin,rodents, orinsects)

YES unless ownedor kept by insured

or occupant

NO NO NO

GlassBreakage -Dwellingapplies to

glass that ispart of thebuilding

YES YES YES YES

Damage byVehicles

YES YES vehicle mustmake actual contact

with coveredproperty

YES YES

Damage

resulting from

YES any resulting

loss from

NO NO NO



Deterioration deterioration unlessthe resulting loss isalready excludedfrom the policy.

Damage consisting

of the deteriorationis not covered

Damageresulting from

ConstructionDefects

YES any resultingloss from

construction defectunless the resultingloss is alreadyexcluded from thepolicy.

Damage consistingof the constructiondefect is notcoveredcovered.

NO NO NO

AdditionalLivingExpenses(ALE) for

perils otherthan mold

20% of the dwellinglimit of liability

20% of the dwellinglimit of liability for allperils other thanMold, Fungi or Other

Microbes (ALE formold, etc. is part of the $5000 capprovided under theCost of Testing & Remediationcoverage)

Pays up to 12months not toexceed 10% of thedwelling limit of

liability

Pays up to 12months not toexceed 20% of thedwelling limit of

liability

Claims Settlement

Dwelling Replacement Cost Actual CashValuereplacementcost can be added byendorsement

Replacement Coast Replacement Cost

PersonalProperty

Actual CashValueReplacementcost can be addedby endorsement

Actual CashValuereplacementcost can be added byendorsement

Replacement Cost Replacement Cost



Farmers

Comparisons

Coverages

StandardHO-B (TexasDepartmentof Insurancepromulgatedform - can beused by anycompany)

FarmersInsurance

Group HO-A(same as

Standard HO-A) - written by

FarmersInsuranceExchange

FarmersInsuranceGroup HO-

A withendorsement

TX040 -written byFarmers

InsuranceExchange

FarmersInsurance

Group FamilyHome Policy -

written byTexas Farmers

InsuranceCompany

Farmers Next

GenerationHomeowners

Policy - writtenby FarmersInsuranceExchange

Type of Coverage

Dwelling ALL risks Named Perils Named Perils Named Perils All Risk

PersonalProperty

Named Perils Named Perils Named Perils Named Perils All Risk

Water Damage

Sudden andAccidentaldischarge oroverflow of water orsteam froma plumbing,heating, airconditioningsystem

YES NO YES limited toamount shownon thedeclaration page.PLEASE NOTE:does not coverleaks that arebelow ground orwithin or belowthe foundation.

YES PLEASENOTE:coverageincludes costsfor damageresulting fromleaks that arewithin thefoundationBUT doesnot include thecost to tear out

and replaceany portion of the foundationnecessary toaccess theleak.

Coverage for

tear out andreplacement of any portion of the foundationnecessary toaccess a leak

within or belowthe foundationcan be added by

endorsement forup to $3500 OR5% of thedwelling limit,whichever isgreater

YES PLEASENOTE:coverageincludes coststo tear out andreplace anyportion of thefoundationnecessary toaccess theleak.



Continuousor Repeatedleakagefromplumbing,heating, airconditioning

YES NO NO NO NO


YES NO NO NO but coveragecan be added byendorsement.Coverage islimited to $5000and a $500deductibleapplies.

NO but coveragecan be added byendorsement.

Freezing of plumbing orheatingsystem

YES certainprecautionsmust be takenby insured if property is

unoccupied

NO YES certainprecautions mustbe taken byinsured if property is

unoccupied

YES certainprecautions mustbe taken byinsured if property is

unoccupied

YES certainprecautions mustbe taken byinsured if property is

unoccupied

Flood/Surfacewater

NO FloodInsurance canbe obtainedthrough FEMAand theNational FloodInsuranceProgram(NFIP). Theirwebsite ishttp://www.fema.gov/nfip

NO FloodInsurance can beobtained throughFEMA and theNational FloodInsurance

Program (NFIP).Their website ishttp://www.fema.gov/nfip







Mold

Mold, Fungi

or OtherMicrobes

YES Only if

the mold is onpropertyphysicallydamaged bysudden andaccidentalwater or

steam. Thisincludeshidden andconcealed

damage thatis reported

within 30 daysof detection.

LIMITED to

damage resultingfrom coveredperils named inthe policy.

LIMITED to

damage resultingfrom coveredperils named inthe policy.

YES Only if the

mold is onpropertyphysicallydamaged bysudden andaccidental wateror steam.

YES Only if the

mold is onpropertyphysicallydamaged bysudden andaccidental wateror steam.

Cost of Testing,Remediation,and LivingExpenses

NO however,anendorsementmust beoffered to

NO but anendorsementmust be offered toprovide coverageup to the

NO but anendorsementmust be offered toprovide coverageup to the policy

NO howevercoverage isavailable byendorsement forthe following

NO



due to Mold,Fungi orOtherMicrobes

providecoverage upto the policylimits forthese costs.

PLEASE NOTE: Whilethe basepolicy doesnot cover thecost of testing,remediation,and living

expenses dueto mold, fungior othermicrobes, itdoes providesome basic

but limitedmold coverage(see coveragedescriptionunder Mold ,

Fung i o r

Other

Microbes forfurtherexplaination)

limits for thesecosts.

PLEASE

NOTE: Thisadditional mold

coverageapplies ONLY tothose perilsnamed in thebase policy:1. fire andlightening2. sudden and

accidentaldamage fromsmoke3. windstorm,hurricane, andhail

4. Explosion5. Aircraft andvehicles6. vandalism andmaliciousmischief 7. riot and civilcomotion8. theft

perils: 1. fire andlightening2. sudden andaccidentaldamage fromsmoke3. windstorm,tropical cyclone,and hail4. Explosion5. Aircraft andvehicles6. vandalism andmaliciousmischief 7. riot and civilcomotion

8. theft


Damage toFoundation/S

lab

YES If damageresults from a

covered waterleak

NO NO NO NO

FallingObjects,including

Trees

YES NO YES YES YES

Weight of Ice, Snow

and Sleet

YES NO YES YES YES

Collapse YES unlesscaused byearthmovement

NO YES unlesscaused by earthmovement

YES if caused bya) weight of persons, animalscontents orequipment; orb) defectivemethods ormaterials areused incontruction,repair orremodeling andonly if the

YES if collapse iscaused by onefire, smoke,explosion orsudden andaccidentaldischarge oroverflow from ahousehold

appliance, or aplumbing,heating, or airconditioning



collapse occursdurring thecourse of thoseevents.

system.

Damage byAnimals

(PLEASENOTE:Companiesdo notgenerallycoverdamage frombirds,vermin,rodents, orinsects)

YES unlessowned or kept

by insured oroccupant

NO NO NO YES however,coverage is not

provided fordamage causedby animalsowned or kept byinsured oroccupant.

GlassBreakage -Dwelling

applies toglass that ispart of thebuilding

YES NO YES YES YES

Damage byVehicles

YES YES unlessvehicle is ownedor operated by

occupant

YES vehicle mustmake actualphysical contact


YES vehicle mustmake actualphysical contact


YES only if vehicle wasmoving at the

time of thedamage.

DamageresultingfromDeterioration

YES anyresulting lossfromdeterioration

unless theresulting lossis alreadyexcluded from

the policy.

Damage consisting of thedeteriorationis not covered

NO NO YES only if deteriorationcauses a loss bya covered peril.

PLEASE NOTE:the policy doesnot coverdeterioration

resulting fromwindstorm,tropical cyclone,hail or collapse

NO however,coverage isprovided fordeterioration

caused by fire,smoke, explosionor sudden andaccidental

discharge oroverflow of waterfrom a plumbing,heating, airconditioningsystem, orhouseholdappliance.

Damage

resultingfromConstructionDefects

YES any

resulting lossfromconstructiondefect unlessthe resultingloss is alreadyexcluded fromthe policy.

Damage consi

NO NO NO NO however,

coverage isprovided forconstructiondefects causedby fire, smoke,explosion orsudden andaccidentaldischarge oroverflow of water



sting of theconstructiondefect is notcoveredcovered.

from a plumbing,heating, airconditioningsystem, orhouseholdappliance.

AdditionalLivingExpenses(ALE) forperils otherthan mold

20% of thedwelling limitof liability

10% of thedwelling limit

10% of thedwelling limit

Pays up to 20%of the dwellinglimit, not toexceed 24months. Alsopays up to twoweeks if a civilauthorityprohibits youfrom using yourhome because of a covered peril.

Pays up to 40%of the dwellinglimit, not toexceed 24months. Alsopays up to twoweeks if a civilauthorityprohibits youfrom using yourhome because of a covered peril.

Claims Settlement

Dwelling ReplacementCost

Actual CashValue

ReplacementCost

ReplacementCost

ReplacementCost

PersonalProperty

Actual CashValueReplacement cost can beadded byendorsement

Actual CashValue

Actual CashValuereplacement cost can beadded byendorsement

ReplacementCost

ReplacementCost



State Farm

Comparisons

Coverages

StandardHO-B (Texas

Department of Insurance

promulgated form- can be used byany company)

State Auto HO-3(same as ISO

HO-3)

State Auto HO-5(same as ISO

HO-5)

State Farm HO-W

Type of Coverage

Dwelling ALL risks ALL risk ALL risk ALL Risks

PersonalProperty

Named Perils Named Perils ALL risk Named Perils

Water Damage

Sudden andAccidental

discharge oroverflow of water or steamfrom aplumbing,heating, air

conditioningsystem

YES YES YES YES This includeshidden and

concealed damagethat is reportedwithin 30 days of detection.

Continuous orRepeatedleakage fromplumbing,heating, airconditioning

YES NO but coverage canbe added byendorsement

NO but coverage canbe added byendorsement

NO but coverage canbe added byendorsement

PLEASE NOTE Thisendorsement is

available upon initialapplication or initialrenewal fromanother policy. If theendorsement isrefused or deleted

from the policy atany time, it will notbe available to beadded at a laterdate.


YES NO but coverage canbe added by

endorsement

NO but coverage canbe added by

endorsement

YES unless thedamage results from

sewage backup outside theresidence premises(i.e. the city sewerline), or from a sumppump or sump pumpwell

Freezing of plumbing orheating system

YES certainprecautions mustbe taken by

YES certainprecautions must betaken by insured if





insured if propertyis unoccupied

property isunoccupied



Flood/Surfacewater

NO FloodInsurance can beobtained throughFEMA and the

National FloodInsurance Program(NFIP). Theirwebsite ishttp://www.fema.gov/nfip

NO Flood Insurancecan be obtainedthrough FEMA andthe National Flood

Insurance Program(NFIP). Their websiteishttp://www.fema.gov/nfip





Mold

Mold, Fungior OtherMicrobes

YES Only if the moldis on propertyphysically damagedby sudden andaccidental water orsteam. This includeshidden andconcealed damagethat is reportedwithin 30 days of detection.

YES Only if the moldis on propertyphysically damagedby sudden andaccidental water orsteam. This includeshidden andconcealed damagethat is reportedwithin 30 days of detection.

YES Only if the moldis on propertyphysically damagedby sudden andaccidental water orsteam. This includes

hidden andconcealed damagethat is reportedwithin 30 days of detection.

NO However,coverage is providedfor the reasonableand necessary repairor replacement of property physically

damaged by acovered water lossincluding:

1. a water lossconsisiting of damage from mold,fungi, or othermicrobes if mold,fungi, or othermicrobes are on theproperty physicallydamaged by a

covered water loss,

2. and a water lossthat is hidden andconcealed damagethat is reportedwithin 30 days of detection.

See belowandCommissioner\'sOrder No. 02-028 formore details.

Cost of Testing,Remediation,and LivingExpensesdue to Mold,Fungi orOtherMicrobes

NO however, anendorsement mustbe offered to providecoverage up to thepolicy limits for thesecosts.

PLEASE NOTE: While

the base policy doesnot cover the cost of

NO but anendorsement isavailable to providecoverage in varyingamounts up to policylimits.

PLEASE NOTE: While


NO but anendorsement isavailable to providecoverage in varyingamounts up to policylimits.

PLEASE NOTE: While


NO but anendorsementmust beoffered to providecoverage in varyingamounts up to policylimits.

http://www.opic.state.tx.us/docs/182_texas_department_of_insurance_-_order_adopting_three_new_state_farm_property_insurance_forms.htm








testing, remediation,and living expensesdue to mold, fungi orother microbes, itdoes provide somebasic but limitedmold coverage (seecoverage descriptionunder Mold , Fung i

o r O t he r

Microbes for furtherexplaination)

testing, remediation,and living expensesdue to mold, fungi orother microbes, itdoes provide somebasic but limitedmold coverage (seeabove for furtherexplaination)

testing, remediation,and living expensesdue to mold, fungi orother microbes, itdoes provide somebasic but limitedmold coverage (seeabove for furtherexplaination)


Damage toFoundation/Slab

YES If damageresults from acovered water leak

NO but anendorsement can beadded for coverageof 15% of dwellingpolicy limit

NO but anendorsement can beadded for coverageof 15% of dwellingpolicy limit

NO but anendorsement can beadded for coverageof 15% of dwellingpolicy limit for

damage resulting

from a covered leak.

PLEASE NOTE Thisendorsement isavailable upon initialapplication or initialrenewal fromanother policy. If theendorsement is

refused or deletedfrom the policy atany time, it will notbe available to beadded at a later

date.

FallingObjects,includingTrees

YES YES YES YES

Weight of Ice, Snowand Sleet

YES YES YES YES

Collapse YES unless causedby earth movement

YES unless causedby earth movement

YES unless causedby earth movement

YES If the collapse iscaused by one of thenamed perilsspecifically applyingthis coverage. Earthmovement is notcovered.

Damage byAnimals(PLEASENOTE:Companiesdo notgenerally

YES unless owned orkept by insured oroccupant

YES YES NO however,damage caused by awild animal iscovered (birds,vermin and rodentsare not covered).



coverdamagefrom birds,vermin,rodents, orinsects)

GlassBreakage -Dwellingapplies toglass that ispart of thebuilding

YES YES YES YES

Damage byVehicles

YES YES YES YES

DamageresultingfromDeterioration

YES any resultingloss fromdeterioration unlessthe resulting loss is

already excludedfrom the policy.

Damage consistingof the deteriorationis not covered

YES any resultingloss from adeterioration iscovered unless the

resulting loss isalready excluded

from the policy.


YES any resultingloss from adeterioration iscovered unless the

resulting loss isalready excluded

from the policy.


YES any resultingloss fromdeterioration unlessthe resulting loss is

already excludedfrom the policy.


DamageresultingfromConstructionDefects

YES any resultingloss fromconstruction defectunless the resultingloss is alreadyexcluded from thepolicy.

Damage consistingof the constructiondefect is notcoveredcovered.

YES any resultingloss from aconstruction defect iscovered unless theresulting loss isalready excludedfrom the policy.

Damage consistingof the constructiondefect is not covered





AdditionalLivingExpenses(ALE) forperils otherthan mold

20% of the dwellinglimit of liability

Amount scheduledon declaration

Amount scheduledon declaration

Pays up to 24months of additional

living expenses withno dollar limit. Alsopays up to twoweeks if a civilauthority prohibitsyou from using your

home because of acovered peril.

Claims Settlement

Dwelling Replacement Cost Replacement Cost Replacement Cost Replacement Cost

PersonalProperty

Actual CashValueReplacementcost can be added byendorsement



Replacement Cost



USAA

Comparisons

Coverages

Standard HO-B (TexasDepartment of I nsurance

promulgated form - can beused by any company)

USAA HO-3RTX Eligibility:U.S. Military acti ve duty,

Guard, Reserve

Type of Coverage

Dwelling ALL risks ALL risk

Personal Property Named Perils Named Perils

Water Damage

Sudden and Accidental discharge oroverflow of water or steam from aplumbing, heating, air conditioningsystem

YES YES This includes hidden andconcealed damage that isreported within 30 days of detection.

See Commissioner\'s Order No.

02-0523 for more details.Continuous or Repeated leakagefrom plumbing, heating, airconditioning

YES NO but coverage can be addedby endorsement

Backup of sewers/drains YES NO but coverage can be addedby endorsement

Freezing of plumbing or heatingsystem

YES certain precautions must betaken by insured if property isunoccupied

YES certain precautions must betaken by insured if property isunoccupied

Flood/Surface water NO Flood Insurance can beobtained through FEMA and theNational Flood Insurance

Program (NFIP). Their website ishttp://www.fema.gov/nfip

NO Flood Insurance can beobtained through FEMA and theNational Flood Insurance

Program (NFIP). Their website ishttp://www.fema.gov/nfip

Mold

Mold, Fungi or Other Microbes YES Only if the mold is onproperty physically damaged by

sudden and accidental water orsteam. This includes hidden andconcealed damage that isreported within 30 days of detection.

NO However, the policy doescover the repair or replacement

of property physically damagedby a covered water loss(including damage from mold,fungi, or other microbes if it ison the property physicallydamaged by a covered waterloss).

This coverage also includesrepair or replacement of hiddenand concealed damage that isreported within 30 days of detection.

See below and Commissioner\'sOrder No. 02-0523 for moredetails.

http://www.opic.state.tx.us/docs/183_usaa.doc












Cost of Testing, Remediation, andLiving Expenses due to Mold, Fungior Other Microbes

NO however, anendorsement must be offered toprovide coverage up to thepolicy limits for these costs.

PLEASE NOTE: While the base

policy does not cover the cost of testing, remediation, and livingexpenses due to mold, fungi orother microbes, it does providesome basic but limited moldcoverage (see coveragedescription underMold , Fung i

o r O t he r M i crobes for further

explaination)

NO but coverage can be addedby endorsement to providecoverage in varying amounts upto policy limits.


Damage to Foundation/Slab YES If damage results from acovered water leak

NO but an endorsement can beadded for coverage up to$15,000

Falling Objects, including Trees YES YES

Weight of Ice, Snow and Sleet YES YES

Collapse YES unless caused by earthmovement

YES if caused by specific perilsnamed in the policy. Collapsecaused by earth movement isnot covered.

Damage by Animals (PLEASENOTE: Companies do not generallycover damage from birds, vermin,rodents, or insects)

YES unless owned or kept byinsured or occupant

YES unless owned or kept byinsured or occupant

Glass Breakage -Dwelling applies toglass that is part of the building

YES YES

Damage by Vehicles YES YES

Damage resulting fromDeterioration

YES any resulting loss fromdeterioration unless theresulting loss is alreadyexcluded from the policy.

Damage consisting of thedeterioration is not covered

YES damage resulting fromdeterioration is covered.Damage consisting of deterioration is not covered.

Damage resulting fromConstruction Defects

YES any resulting loss fromconstruction defect unless theresulting loss is alreadyexcluded from the policy.

Damage consisting of the

construction defect is notcoveredcovered.

YES damage resulting fromconstruction defects is covered.Damage consisting of construction defects is not

covered.

Additional Living Expenses (ALE)for perils other than mold

20% of the dwelling limit of liability

Pays up to 12 months

Claims Settlement

Dwelling Replacement Cost Replacement Cost



Personal Property Actual Cash Value Replacementcost can be added byendorsement

Actual Cash Value ReplacementCost available by endorsement

Documents

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