Homeowners Insurance

Your Policy, Plain and Simple

Think about it. Homeowners Insurance is intended to provide a sense of security and comfort, not a sense of confusion. But how can you understand whether or not you have the right coverages and limits in place if you don’t understand the jargon? At Twico® (The Woodlands Insurance Company), we want you to feel completely at ease with your insurance policy. So we tell it like it is. See our simple explanations and definitions below.

By the way, if you happen to have a new roof, an alarm system or served in the military, you could reduce your premium by up to 50%. Nope, you’re not dreaming. To see if you qualify for any number of valuable discounts from Twico®, please review the list below or give us a call.

Of course, if you’d rather cut to the chase and get a free quote, we get you. Please contact us so that we can connect you with the friendly, trusted agent nearest you.

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Coverage A (Dwelling) – Helps pay for repairs or rebuilds your home due to a covered loss.

Coverage B (Other Structures) – Helps pay for damage to structures not attached to the dwelling like a garage or shed.

Coverage C (Contents) – Helps pay for your personal property, such as furniture and clothing. Special limits apply to certain items.

Coverage D (Loss of Use) – Helps pay for temporary housing in the event that your house is uninhabitable due to a covered loss.

Coverage E (Personal Liability) – Helps pay for property damage and medical expenses to others resulting from oversight or negligence.

Coverage F (Medical Payments) – Helps pay for medical expenses to others accidentally injured on your property.

How much do we love to save you money? Let us count the ways. In fact, you could enjoy savings of up to 50% since you may qualify for multiple discounts. Can we get an Amen? Your agent will give you the exact numbers. So there’s no need to leave money on the table. Especially when it’s your own.

Accredited Builder Discount – Only available on new homes built by established builders
Affinity Group Discount – Offered to members of Business and Professional groups such as:


    On behalf of all twico® employees and our agents, thank you for bravely serving our country.

    • US Coast Guard Veteran
    • US Army Veteran
    • US Air Force Veteran
    • US Navy Veteran
    • US Marine Corps Veteran
    • Texas National Guard Veteran

    On behalf of all twico® employees and our agents, thank you for protecting our communities.

    • Policeman
    • Firefighter
    • Smart Financial Credit Union
    • USAT Member

    On behalf of all twico® employees and our agents, thank you for educating the next generation.

    • Texas State Teacher Association
    • Association of Texas Professional Educators
    • Texas Educators Association
    • College Professor

    On behalf of all twico® employees and our agents, thank you for taking care of the health and well-being of our families.

    • Medical Doctor
    • Registered Nurse
    • Physician Assistant
    • Military Veteran or Military Service Member*
    • Policeman/Fireman Veteran or Policeman/Fireman Service Member*
    • Credit Union
    • Certified Public Accountant Organization
    • Direct Buy
    • Engineering or Science Organization
    • Medical, Dental or Pharmaceutical Organization
    • National Association for Search And Rescue
    • National Education Association (NEA)
    • National Farmers Organization
    • National Rifle Association (NRA)
    • National Shooting Sports Foundation (NSSF)
    • Professional Organization (i.e. PIA, NAPW, NASP)
      *A “Service Member” is one that is currently serving in the Military or as a Policeman/Fireman
    • American Academy of Environmental Engineers and Scientists (AAEES) American Accounting Association (AAA)
    • American Chemical Society
    • American Institute of Certified Public Accountants (AICPA)
    • American Nurses Association
    • American Society of Civil Engineering (ASCE)
    • American Society of Mechanical Engineers
    • American Society of Safety Engineers
    • American Society for Testing and Materials (ASTM)
    • Association for Women in Science (AWIS)
    • Association of Energy Engineers
    • Association of Geotechnical & Geoenvironmental Specialists International Society of Soil Mechanics and Geotechnical
    • National Association of Doctors (NAD)
    • National Association of Letter Carriers (NALC)
    • National Association of Professional Insurance Agents (PIA) National Association of Professional Women (NAPW)
    • National Association of Safety Professionals (NASP)
    • tional Association for Search And Rescue
    • National Dental Association
    • National Education Association (NEA)
    • National Farmers Organization
    • National Medical Association
    • National Pharmaceutical Association
    • National Shooting Sports Foundation (NSSF)
    • National Society of Professional Engineers (NSPE)
    • Society of Petroleum Engineers
    • Society of Women Engineers (SWE)
    • Structural Engineers Association (SEA)
    • Texas Association of CPAs (TACPA)

Age of Dwelling – Discount applied for homes up 10 years old

Companion Policy Discounts – Available if you have the below lines of business written through The Woodlands Financial Group:

  • Auto
  • Specialty
  • Flood
  • Umbrella
  • Life

Electronic Policy Distribution Discount – $10 discount if you elect to receive policies via email
Impact Resistant Roof – Discount will be applied for qualifying roofs
New Purchase Discount – Discount applies to new home purchases

Protective Device Discount – Available if your home has:

  • Deadbolts
  • Smoke detector
  • Fire/Burglar alarm system
  • Automatic sprinkler

Non-smoker Discount – Available for our non-smoking customers
Secured Community/Building Discount – Applies to homes in communities protected by 24 hour manned or passkey gates protecting all entrances

Senior – Applies to applicants who are 55 and older

Partially Renovated Home Discount – Applies to homes that have made renovations to plumbing, heating, electrical or roofing in the last 10 years