New to Houston and Bigger Pockets with Dwelling Insurance Question

[Waylon Themer]

I have greatly enjoyed reading the forums and articles thus far. I am really wanting to get to know some of the Houston folks on here. I lived in the Dallas area for 28 years and began investing in sfr's in 2008, so I know that market quite well. I am needing to gain market knowledge and meet real estate people in Houston. I am in the process of purchasing my first sfr in Katy and I ran into a little insurance speed bump. My agent indicated that the house could only be insured under Texas FAIR Plan. I prefer a full landlord policy that insures the replacement cost rather than actual cash value. I can certainly go with the FAIR Plan but it's not ideal. These landlord policies were no problem in Dallas but I am wondering if FAIR is in fact my only option or if there are alternatives for Katy, TX. Thanks in advance. Also, I would love to attend a meet up group in the west Houston area if one is coming up.