Current rebuilding cost
It is calculated to rebuild today; it is not market value or a dwelling limit from years ago.
Home Policy Review
See what comparable protection costs today.Understand why your renewal may look cheaper.
A fair comparison uses today’s rebuilding cost, not market value or an old dwelling limit. It also reviews the policy form, deductibles, and roof terms.
Coverage comparison basis
We review HO-3, current rebuilding cost, a 1% all-other-perils deductible, a 2% wind/hail deductible, and no roof exclusion. Water backup is identified by its limit; flood usually requires separate coverage.
An honest review may show:
Comparable options are available
Your current policy may be difficult to beat
Home Rate Estimator
Est. Monthly
$148/mo
Yearly: $1,776
* Estimated preview based on typical Texas rate ranges. Final pricing subject to underwriting.
Compare protection with protection
Start without sending your current policy.
We can begin with the property address and what you need. Your carrier, premium, and declarations page are optional, but they can help explain whether the renewal is truly comparable.
Form, deductibles, and roof
The basis is HO-3 with 1% all other perils, 2% wind/hail, and no roof exclusion. HO-A, higher deductibles, or exclusions are not equivalent.
Water and flood
Water backup has a specific limit. Flood is usually separate coverage and should be reviewed separately.
Common Questions
Everything you need to know about this coverage.
Can Argo review my home policy before renewal or closing?
Yes. Argo can review your declarations page, roof age, deductible structure, escrow or lender requirements, flood questions, wind/hail exposure, and bundle options before you buy, renew, or switch.
Can I switch homeowners insurance after closing?
Many Texas homeowners can switch after closing, but the new policy should be active before the old one is cancelled and the lender or escrow account must be updated correctly.
Does homeowners insurance include flood?
Usually no. Standard homeowners policies generally exclude flood from rising water, so Houston and Texas homeowners should review separate flood options.
What should I send for a home insurance review?
Send the property address, current declarations page if available, roof age, year built, mortgagee or lender details, renewal or closing date, and any questions about flood, wind/hail, water, or deductibles.
Can Argo explain the policy in Spanish?
Yes. Argo has bilingual agents who can explain dwelling coverage, deductible, escrow, roof coverage, flood exclusions, and replacement cost in plain English or Spanish.