Renters and Condominium Owner's Insurance Products

Renters Insurance provides coverage for personal possessions, liability protection, and additional living expenses.  The Condominium Owner's Policy provides coverage for the owner's personal possessions, liability protection suffered by visitors, and interior improvements.

Homeowners Tenant B (HO-BT)

1. Coverage for your personal belongings on an actual cash value basis.  Replacement cost can be purchased.
2. Legal Liability protection for Bodily Injury or Property Damage to others, subject to policy limitations.
3. Additional living expenses if you are temporarily unable to live in your home because of a fire or other insured peril.

Homeowners Condominium B (HO-CON-B)

1. Coverage for your personal belongings on an actual cash value basis.  Replacement cost can be purchased.
2. Legal Liability protection for Bodily Injury or Property Damage to others, subject to policy limitations.
3. Additional living expenses if you are temporarily unable to live in your home because of a fire or other insured peril.
4. Condominium Loss Assessment Coverage can be purchased.
5. Condominium Unit Owners Rental to Others can be purchased.

Discounts

• Monitored fire and/or burglar alarm discount
• Claims-free renewal discount
• Financial reponsibilities discount

American Risks Homeowner Insurance Products for Texas

• Homeowners Form A (HO-A)
• Homeowners Form A with Plus Endorsement (HO-A+)
• Homeowners Form B
• Dwelling Fire (TDP-1)
• Dwelling Fire with Plus Endorsement (TDP-1+)
• Homeowners Tenant B (HO-BT) 
• Homeowners Condominium B (HO-CON-B)