| City | Average Annual Homestate Auto Insurance Rate |
|---|---|
| Brownsville | $594 |
| Edinburg | $589 |
| Beaumont | $533 |
| Houston | $529 |
| Denton | $518 |
| Corpus Christi | $512 |
| Richmond | $509 |
| San Antonio | $503 |
| Dallas | $499 |
| Fort Worth | $492 |
| Austin | $484 |
| Galveston | $473 |
| McKinney | $445 |
| Georgetown | $445 |
| Lubbock | $438 |
| Laredo | $431 |
| Conroe | $427 |
| Angleton | $419 |
| Waco | $408 |
| Belton | $381 |
| El Paso | $365 |
| Named Peril | Basic Form Coverage HO-A (H0-1) | Broad Form Coverage HO-A+ (HO-2) | Special Form Coverage HO-B (HO-3) |
| Fire | Yes | Yes | Yes |
| Lightning | Yes | Yes | Yes |
| Riot and Civil Commotion | Yes | Yes | Yes |
| Explosions | Yes | Yes | Yes |
| Wind and Hail | Yes | Yes | Yes |
| Smoke | Yes | Yes | Yes |
| Sprinkler Leak | Yes | Yes | Yes |
| Sinkhole Collapse | Yes | Yes | Yes |
| Volcano | Yes | Yes | Yes |
| Vehicles and Aircraft | Yes | Yes | Yes |
| Vandalism | Yes | Yes | Yes |
| Water Damage | No | Yes | Yes |
| Weight of Snow or Ice/Sleet | No | Yes | Yes |
| Falling Objects | No | Yes | Yes |
| Glass | No | Yes | Yes |
| Collapse | No | Yes | Yes |
| Theft and Burglary | No | No | Yes |
| Full Glass Coverage | No | No | Yes |
| Leaky Roof | No | No | Yes |
| Pretty Much Everything Else* | No | No | Yes |
may exclude coverage for specific losses. Even the most comprehensive all-risk policy will exclude certain types of loss or damage.
Common exclusions include:HO-C Policies in Texas
While most people find HO-B policies to be sufficient, there is one policy that covers more, the HO-C covers all perils and contents. There are the usual exclusions, but if you have great credit and need additional no-fuss coverage for personal property damages, it may be the way to go.
