Up to 40%Potential Premium Savings vs. Older Homes

<10 yrsHome Age for Maximum HOA Discounts

#1Recommended Carrier for New TX Builds

What Makes HOA Different in Texas

Homeowners of America Insurance Company was founded with a focus on the Sun Belt — and Texas is one of their flagship markets. They understand the Texas risk landscape: hailstorms in DFW, flooding potential in Houston, and the wide variety of construction styles across the state’s diverse regions. That expertise shows in how their policies are structured and priced.

Here’s what sets them apart for owners of newer homes:

Competitive Base Premiums for New Construction

HOA’s base rates for homes under 10 years old are structured to win the business. Where many major insurers treat all homes in a zip code similarly, HOA specifically rewards the reduced risk that comes with newer builds — and it shows up directly in your annual premium.

Strong Coverage Without Unnecessary Gaps

Competitive price doesn’t mean stripped-down coverage. HOA policies include robust dwelling replacement coverage, personal property protection, and solid liability limits. When we at Ryan Everet Insurance review policies side-by-side, HOA consistently provides strong coverage-to-dollar value for new Texas homes.

Claims Handling Built for Texas

Texas homeowners deal with real weather. Hail seasons in spring, the occasional tornado, and the lurking risk of winter freezes (as 2021 reminded us all) mean claims handling matters enormously. HOA has invested in Texas-specific claims infrastructure, with adjusters who understand the market and timelines that Texans actually experience.

Accessibility and Availability

One of the quiet advantages of HOA right now: they’re still actively writing new business in Texas markets where other carriers have pulled back. If you’ve been told “we’re not taking new policies in your area” by another insurer, HOA is worth checking — especially for newer homes in suburban growth corridors like those around Austin, San Antonio, Dallas-Fort Worth, and Houston.

Real Numbers: What This Could Mean for You

Every home and zip code is different, so we won’t put fabricated premium numbers in print — that’s not how we operate at Ryan Everet Insurance. What we can tell you is this: in our daily quoting for Texas homeowners, clients with homes under 10 years old routinely see Homeowners of America come in 15% to 40% lower than the renewal quote their previous carrier sent them. In some cases — especially in newer suburban developments with hail-resistant roofing upgrades — the savings have been even more dramatic.

For a Texas homeowner paying $2,400/year on home insurance, that could mean $360 to $960 back in your pocket annually without sacrificing coverage quality. Over five years, we’re talking about thousands of dollars that could go toward your mortgage, renovations, or simply staying ahead of rising costs of living in Texas.

How to Know If HOA Is Right for Your Home

Not every carrier is right for every homeowner — that’s why working with an independent agency like Ryan Everet Insurance matters. We don’t work for one insurance company. We work for you. That means we’ll run a full market comparison and tell you honestly whether HOA is the best fit, or whether another carrier serves your specific situation better. But for new Texas homes, HOA belongs in that comparison every single time.

The best way to find out is simple: let us run the numbers. A quote takes a few minutes and could reveal savings that make a real difference in your household budget this year.