Homeowners insurance

[Joel S.]

Hey guys I'm looking for homeowners insurance on a rental property in Houston. Can anyone make any recommendations? Also I'm a newbie so any advice on what kind of policy would help too.

[Eric Tait]

What area of Houston is your property? Insurance in Harris, Fort Bend, and Galveston county can be expensive especially if you have to have flood insurance.
I have a good agent if you want, I use actual cash value policies (as opposed to replacement cost value where depreciation is not taken out on payouts) with a rider for vandalism, accidental water discharge and liability coverage among other things. You can go cheaper if you like, but I like the security.