| City | Average Annual Infifnity Auto Auto Insurance Rate |
|---|---|
| Edinburg | $1268 |
| Richmond | $1229 |
| Brownsville | $1152 |
| Corpus Christi | $1119 |
| Denton | $1113 |
| Galveston | $1074 |
| Houston | $1026 |
| Beaumont | $996 |
| Lubbock | $976 |
| Angleton | $944 |
| Laredo | $864 |
| McKinney | $857 |
| Belton | $757 |
| Dallas | $742 |
| El Paso | $740 |
| Fort Worth | $719 |
| Austin | $705 |
| Georgetown | $632 |
| Conroe | $602 |
| San Antonio | $599 |
| Waco | $406 |
| Named Peril | Basic Form Coverage HO-A (H0-1) | Broad Form Coverage HO-A+ (HO-2) | Special Form Coverage HO-B (HO-3) |
| Fire | Yes | Yes | Yes |
| Lightning | Yes | Yes | Yes |
| Riot and Civil Commotion | Yes | Yes | Yes |
| Explosions | Yes | Yes | Yes |
| Wind and Hail | Yes | Yes | Yes |
| Smoke | Yes | Yes | Yes |
| Sprinkler Leak | Yes | Yes | Yes |
| Sinkhole Collapse | Yes | Yes | Yes |
| Volcano | Yes | Yes | Yes |
| Vehicles and Aircraft | Yes | Yes | Yes |
| Vandalism | Yes | Yes | Yes |
| Water Damage | No | Yes | Yes |
| Weight of Snow or Ice/Sleet | No | Yes | Yes |
| Falling Objects | No | Yes | Yes |
| Glass | No | Yes | Yes |
| Collapse | No | Yes | Yes |
| Theft and Burglary | No | No | Yes |
| Full Glass Coverage | No | No | Yes |
| Leaky Roof | No | No | Yes |
| Pretty Much Everything Else* | No | No | Yes |
may exclude coverage for specific losses. Even the most comprehensive all-risk policy will exclude certain types of loss or damage.
Common exclusions include:HO-C Policies in Texas
While most people find HO-B policies to be sufficient, there is one policy that covers more, the HO-C covers all perils and contents. There are the usual exclusions, but if you have great credit and need additional no-fuss coverage for personal property damages, it may be the way to go.
