Residential Property Insurance 

Companies Writing the Standard HO-B Policy

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Are you looking for a company that writes the standard HO-B homeowners policy?


The following companies on our comparison tool presently write the HO-B:


  • AMEX Assurance Company

  • Apex Lloyds Insurance Company

  • Armed Forces Insurance Exchange

  • ASI Lloyds (newly constructed homes only)

  • Chubb Lloyds Insurance Company

  • Dallas National Insurance Company

  • Delta Lloyds Insurance Company of Houston

  • Federal Insurance Company

  • Imperial Fire and Casualty Insurance Company

  • Middle States Insurance Company, Inc.

  • National Specialty Insurance Company

  • Republic Underwriters Insurance Company

  • Southern Insurance Company

  • Stonington Lloyds Insurance Company

  • Trinity Universal Insurance Company

  • Unitrin Safeguard Insurance Company

  • Universal Insurance Company of North America,

  • U.S. Lloyds Insurance Company


Do you have questions?


Please contact us at 877-611-6742 or by email:

David Nardecchia


In 1980, I went to work at the Texas Department of Insurance (TDI). Early in my career I found a passion for property and casualty insurance. To broaden the scope of my knowledge, I took numerous property and casualty insurance classes and achieved the Chartered Property and Casualty Underwriters (CPCU) designation in 1995. I retired from TDI in 2010 as the Deputy Commissioner of Personal and Commercial Lines of Insurance. I have always enjoyed helping others, including assisting with their insurance-related issues. In 2012, I had the opportunity to come to the Office of Public Insurance Counsel (OPIC). Today, I share my knowledge and experience to help empower insurance consumers.