Pros & Cons

✅ Pros

  • Inflation Protection automatically updates coverage limits to match building costs
  • Water backup and sump pump overflow coverage add-on
  • Discounts for modern home safety equipment (smart leak sensors)

❌ Cons

  • Slightly higher TDI complaint index than Texas state median
  • Non-renewal restrictions for homes with multiple water damage claims

Roof Settlement & Windstorm Rules

Roof Settlement Type: Replacement Cost & Inflation Protection

Wind & Hail Policy: Wind/Hail deductibles mandatory in non-coastal hail zones

Visit insurer site

Informational link to the insurer’s official site. We do not quote or bind policies. A TDI rating is not a recommendation.