Where to Place Homeowners & Hard-to-Place Property Insurance in Texas

Real carrier recommendations from independent insurance agents who have placed hard-to-place homeowners, landlord, and property risks in Texas.

33
Discussions
53
Agent Replies
19
Carriers Mentioned

Top Carriers for Homeowners & Hard-to-Place Property Insurance in Texas

These carriers are most frequently recommended by agents for placing hard-to-place homeowners, landlord, and property risks in Texas.

State Farm 7 mentions Safeco 6 mentions Progressive 5 mentions Chubb 4 mentions Foremost 4 mentions American Modern 4 mentions Travelers 3 mentions Allstate 3 mentions Selective 2 mentions Guard 2 mentions OPENLY 2 mentions Philadelphia 2 mentions Liberty Mutual 2 mentions USAA 1 mention USLI 1 mention

Agent Discussions About Homeowners & Hard-to-Place Property Insurance in Texas

Real conversations from agents about placing hard-to-place homeowners, landlord, and property risks in Texas.

Discussion

Happy Friday! I am needing some help to identify a roof type. Yes I use Google, but I always get stumped with this kind Current situation: I have a home in NM, beautiful southwestern adobe home with the flat roof. I cannot tell if this is β€œrolled roofing” or another type of roof material, that I...

πŸ“ Texas, Florida, New Mexico, Arkansas 🏒 American Modern, State Farm, Guard, Progressive, OPENLY πŸ’¬ 10 replies

I had this conversation with a realtor in town once and they looked at me like I had a third head. Just a blank stare back at me.

You are able to search permits with mostly every county. Additionally not sure in your state but FL I require a 4pt inspection is required on homes over 30 years old.

In AR, does State Farm has a different policy form that allows a home to be insured for less than the true replacement cost? 2012 brick veneer home- 2365 sq foot- they have insured for 226k… the...

Discussion

TX! Hi peers! I have a client (close friend of mine). Has flat roof (El Paso). Can't seem to get him coverage and he needs asap (mortgage forceplased). Anyone care quoting? DM me, I got all info. Thanks!

πŸ“ Texas πŸ’¬ 7 replies

I can SureCover Insurance Agency 210-931-2827

Message me

I can help we do flat roof

Discussion

Who do you recommend for website management? - social media - Google review - post sale email/text

πŸ“ Texas 🏒 Foremost, Travelers, Allstate, Safeco, Progressive πŸ’¬ 7 replies

We built our own CRM that does the white glove customer experience we wanted. Drop me your email and I can send you a video how the texting / email works.

These are all pretty easy to setup yourself vs paying for a 3rd party. I've done it at basically every job I've ever had and I'm self taught. No formal training. Hardest part is coming up with the...

Has anyone written a group youth Foster home in Texas? Who did you get to quote it / write it?

Discussion

I am looking for an independent agent in or near Georgetown, TX please - I have a family member moving there and she needs to get insurance. Thank you in advance independents!

πŸ“ Texas, Michigan 🏒 Selective πŸ’¬ 7 replies

I am able to.

Also in Wisco. Have selective, Badger, and Society.

Not entirely sure if this is a possibility, but does anyone know of a market for professional liability for a company that manufactures medical implants that would be on an occurrence form? Michigan.

Discussion

Hello everyone, I am personally Looking for some coverage on my small off grid cabin in Michigan. Additional info and pictures below: Built in 2023 20 private acres

πŸ“ Michigan, Texas πŸ’¬ 5 replies

Stepprs are good

My experience is that you don’t get rid of it until you stop the inflammation

of HS Athletes On The College Recruiting Process M'Lynn Niehues Taylor My 2026 Grad applied on graduation day, visited & committed to the University of Texas San Antonio on Monday, moved into his...

Discussion

I have a $1M dollar home on 4.2 acres with 5 Alpacas and a salon on the property that is insured with its own GL. I have been denied with Travelers, Germania, Chubb, and Safeco. She’s about to be non renewed by ASI for having a trampoline on the premises. Do any of y’all recommend a carrier for...

πŸ“ Texas 🏒 Travelers, Germania, Chubb, Safeco, ASI, American Modern, Philadelphia, Liberty Mutual, Farm Bureau πŸ’¬ 5 replies

American Modern depending on your state.

What state?

Does South & Western have an appetite for hobby farms? That market is definitely crazy right now but who do yall use in Texas right now for hobby farms?

Discussion

*** Texas Agents **** Will Chubb write a monoline secondary residence with business usage?

πŸ“ Texas, New Mexico 🏒 Chubb πŸ’¬ 4 replies

I am located in Texas. Tried to write a secondary in NM through Chubb and they wouldn't do it without the primary dwelling, which is in Texas.

No but I may be able to help if needed.

No

Discussion

Where are we writing our high value home/farm policies in Texas? 2 million dollar home in one location with a farm endorsement to include 1400 acres in another location.

πŸ“ Texas, Ohio πŸ’¬ 4 replies

Was it fungal or nail bed damage or both? Did it hurt? During and after? Hope you heal soon! Thanks for sharing

Hi, what did the doc do to the nails?

and Subcontractors services rendered or needed Tamir El-tobgy Hello! I'm looking for a painter to help us with our home in Shaker. We need a full repaint of the exterior. Anyone have someone that...

Discussion

Hey agents in Texas! Where are y’all writing log construction? I have an insured with a 1980 built log home, metal roof, brand new electric service and HVAC, not sure of plumbing updates. I mean, I know no one is writing ANYTHING right now, but where would you have written it before the dark times?...

πŸ“ Texas πŸ’¬ 4 replies

Bertison uncle joes heating & cooling

Paige Carver Mizener Hassan my brother can do stuff for you!

and Tips Support Group Jessica Long So my mom was visiting me this weekend and she happens to have a TENS unit. She had me try it on my feet on Saturday and yesterday was the first time in months...

USAA roof loss settlement age limit in Texas

Does anyone know, in Texas, if USAA has an age limit on roof loss settlement? For example, most carriers in TX will insure replacement cost on roof surfacing materials up to 8 or 10 years before depreciating...TIA!

πŸ“ Texas 🏒 USAA

$40,000 whiskey collection in Texas - what carrier will cover

What carrier in Texas will cover a $40,000 whiskey collection?

πŸ“ Texas

TX - Inspections - Switching Carriers

How do handle inspections in TX. Insured has been offered a renewal, but she wants to go w/ another carrier who is less but my concern is that she will not pass inspection. I've expressed this to her. She wants to know if she can keep the original policy until inspection is complete on second. I've...

πŸ“ Texas

Discussion

Safeco- TX- Homeowner. Can solar panels be covered?

πŸ“ Texas 🏒 Safeco

Discussion

Texas State Farm people .. Can you insure a tiny home on a normal home owners policy? This tiny home is in an RV park and is not listed as REAL property with the appraisal district. Pic is not the one, but it's not on a trailer frame. No axles and no tongue.

πŸ“ Texas 🏒 State Farm

Discussion

in TX. I need an insurance provider for solar panels installed on the ground. Help! UPDATE: Foremost covers solar panels under Coverage B if they are ground mounted or attached to a seperate structure. Thank you Pryor Robertson for your guidance on this!

πŸ“ Texas 🏒 Foremost

Frequently Asked Questions

Which carriers write hard-to-place homeowners, landlord, and property risks in Texas?

Based on agent discussions, carriers frequently mentioned for hard-to-place homeowners, landlord, and property risks in Texas include State Farm, Safeco, Progressive, Chubb, Foremost. Availability varies by specific risk details.

Is hard-to-place homeowners, landlord, and property risks hard to place in Texas?

Many agents report difficulty placing hard-to-place homeowners, landlord, and property risks in Texas. Our database contains 33 discussions specifically about this niche in Texas, reflecting the ongoing challenges agents face finding willing carriers.

How do I find a carrier for hard-to-place homeowners, landlord, and property risks in Texas?

Independent agents in Texas recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 33 agent discussions below for specific carrier recommendations.