Homeowners Basic & Basic Plus


Our homeowners products are designed with your Texas clients in mind. We offer key coverages and policy options not readily available through national insurors; with competitive prices your customers will appreciate.

Coverages & Options (Texas)


Guidelines

HO1 Basic

HO1 Basic Plus

Age of home

80 years old or newer

80 years old or newer

Home value

Max. value is $250,000 / Min. value $75,000

Max. value is $500,000 / Min. value $75,000

Occupancy type

Owner & seasonal occupancies

Owner & seasonal occupancies

Coverage

9 Named Perils

18 Named Perils

Liability

Personal Liability included at $25,000 with option up to $300,000

Personal Liability included at $25,000 with option up to $300,000

Fire Protection Class

Any protection class, including classes 9 & 10

Any protection class, including classes 9 & 10

Personal Property

Named Peril; 40% of dwelling limit included

Named Peril + additional coverages; 40% of dwelling limit included with option up to 100%

Prior claims

Multiple claims acceptable, up to three losses in the past three years

Multiple claims acceptable, up to three losses in the past three years

Loss settlement

Actual Cash Value

Replacement Cost with Extended Replacement Cost option

Coastal Risks

Accepted; Wind/Hail restrictions apply to risks located within 20 miles of the coastline

Accepted; Wind/Hail restrictions apply to risks located within 20 miles of the coastline

Aspen MGA will consider risks with the following characteristics, based on location and condition. Through Tower Hill Specialty. An A.M. Best, A - Rated Company.

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A Proud Partner of Tower Hill Specialty


Tower Hill Specialty offers a unique blend of industry expertise and broad Underwriting appetite for niche markets often underserved by national insurers. Our specialty homeowner, dwelling, manufactured home and condominium products provide key coverages and policy options at competitive prices. Our targeted programs provide access to a market specializing in often challenging to place risks.

Tower Hill Specialty, LLC is a subsidiary of Tower Hill Insurance Group, LLC headquartered in Florida. Founded in 1972, Tower Hill Insurance, is a leader among residential and commercial property insurers in the Southeast. Financial strength, product expertise, a comprehensive reinsurance program and exceptional claims service are core business strategies of the organization. Learn more about Tower Hill.

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