Pros & Cons

✅ Pros

  • Lowest TDI complaint index among major Texas insurers (0.38)
  • Includes uniform and military gear coverage without extra deductible
  • Competitive pricing and member dividend payouts

❌ Cons

  • Restricted eligibility (Military service connection required)
  • No physical storefront agencies

Roof Settlement & Windstorm Rules

Roof Settlement Type: Replacement Cost Coverage for home & personal property

Wind & Hail Policy: Includes windstorm coverage with standard deductible in most inland zones