Homeowners Insurance provides financial protection for individual’s homes against loss to the structure, contents, liability, and other coverages listed in the policy. A homeowners policy will also pay for additional living expenses. Additional living expenses will cover your expenses if you are forced to move into a hotel or apartment temporarily because of a covered loss to your home. There are three different forms of homeowners policies in Texas. The three forms are the Homeowners Form A (HOA), Homeowners Form B (HOB), and the Homeowners Form 3 (HO3). *Please make sure to ask one of our agents at Moore Insurance Agency to explain the coverages you intent to purchase, and always read your insurance policy.