Homeowners Insurance

Your Policy, Plain and Simple

Homeowner’s insurance should provide you with peace-of-mind, not confusion, that’s why The Woodlands Insurance Company (Twico®) offers comprehensive protection that you can customize to meet your specific needs. Twico offers same-day flood coverage for qualified homes, mechanical breakdown, personal property, loss-of-use, cyber security and identity theft, to name a few, all bundled into one policy. To ensure we keep things simple, we have broken down the explanation of benefits and coverage into easy to understand, short and sweet definitions.

But before we get started, check out the Bundle & Affinity discounts below to see how you can reduce your premiums by up to 50%. Or, if you’re ready to go and want to get a free quote, our agents will help you find discounts, too.

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Report a Claim

To report a claim, contact:

Homeowners Insurance

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To check a claim’s status, contact:

Homeowners Insurance

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If you’re less than satisfied with the way your claim is being handled, contact us at:

Homeowners Insurance


Bundle & Affinity Discounts

Homeowners Policies

Property Protection

Dwelling Dwelling Icon
Helps pay for repairs or rebuilds to your home due to a covered loss.
Twico is the first carrier to include flood coverage for all eligible homes in Texas.
Personal Property
Helps pay for your personal property, such as furniture and clothing. Special limits apply to certain items.
Loss of Use
Helps pay for temporary housing in the event that your house is uninhabitable due to a covered loss.
Service Line Protection
Helps pay for repairs to a covered service line.
Other Structures
Helps pay for damage to structures not attached to the dwelling, like a garage or shed.
Home Systems Protection
Helps pay for repairs to your home’s electrical system.
Home Cyber Protection
Helps protect you from digital threats to you and your home.
Data Breach Protection
Helps you deal with unwanted data disclosure.
Identity Recovery
Helps pay for various out-of-pocket expenses due to an identity theft.
Helps protect you or resident family members against lawsuits for bodily injury or property damage when you are liable for negligent actions.
View our homeowners policies
Learn More
Affinity Discounts

Let’s be honest, you want to save money. With a little information about you and your home, we can reduce your premium by up to 50%. Take a look at our many discounts below to get an idea, then speak with an agent to find out exactly how much you can save.

Employment Affinity Discounts
  • Military service members
  • US Coast Guard, Army, Air Force, Navy, Marine Corps or Texas National Guard veterans
  • Policemen and policewomen
  • Firefighters
  • Professors
  • Credit Union Employees
  • Clergy
  • Medical Doctors
  • Registered Nurses
  • Physician Assistants
Membership Affinity Discounts
  • 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)
  • 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 Engineering
  • National Association of Doctors (NAD)
  • National Association of Letter Carriers (NALC)
  • National Association of Professional Insurance Agents (PIA)
  • National Association of Safety Professionals (NASP)
  • National Association for Search and Rescue
  • National Dental Association
  • National Education Association (NEA)
  • National Farmers Organization
  • National Medical Association
  • National Pharmaceutical Association
  • National Rifle Association (NRA)
  • National Shooting Sports Foundation (NSSF)
  • National Society of Professional Engineers (NSPE)
  • National Association of Professional Women (NAPW)
  • Society of Petroleum Engineers
  • Society of Women Engineers (SWE)
  • Structural Engineers Association (SEA)
  • Texas Association of CPAs (TACPA)
  • Texas State Teacher Association
  • Association of Texas Professional Educators
  • Texas Educators Association
  • Smart Financial Credit Union
  • CPA Organizations
  • Engineering or Science Organizations
* A “Service Member” is one that is currently serving in the Military or as a Policeman/Fireman
Other Discounts

Accredited Builder – Available on new homes built by established builders

Age of Dwelling – Applies to homes less than 10 years old

Companion Policy – Available if you have Auto, Flood, or Umbrella Insurance through a preferred carrier

Electronic Policy Distribution – A $10 discount if you elect to receive policies via email

Impact Resistant Roof – A discount applied if your home has a qualifying roof

New Purchase – A discount applied to newly purchased homes

Protective Device – Available if your home has deadbolts, a smoke detector, fire/burglar alarm system, and/or automatic sprinklers

Non-smoker – Available to our non-smoking customers

Secured Community/Building – 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 – Applies to homes that have renovated plumbing, heating, electrical or roofing in the last 10 years

Our Homeowners Policies

Twico Prime

Twico Prime Plus

Twico 360

Policy Type
A type of broad-based homeowners insurance policy
Covers your home's structure
Other Structures
Covers physical property not connected to your home
Personal Property
Covers physical property not connected to your home
Loss of Use
Covers living expenses when your home is out of commission
Covers legal expenses in property damage or personal injury lawsuits
Medical Payments
Covers medical costs for injuries visitors sustain on your propertyCovers loss caused by city codes during construction and repair
Loss Assessment
Covers your share of property owned by your homeowners association
Ordinance or Law
Covers loss caused by city codes during construction and repair
Contents Replacement
Covers repair or replacement of damaged items in your home
Covers repair or replacement costs related to mold damage
Full Limits**
Covers a variety of home and property losses caused by flooding
Water Backup
Covers a variety of home and property losses due to water backup
Identity Theft
Covers damages from the fraudulent use of your personal data
Increased Limits
Jewelry (Only)
All Items
Increases liability coverage for valuable personal property
Dog Liability Buyback
Extends liability coverage to damage caused by animals
Personal Injury
Adds coverage beyond bodily injury to include personal injury
Systems Protection
Covers equipment breakdown within your home
Service Line
Covers your home’s underground piping, wiring and connections
Cyber Protection
Covers devices that are vulnerable to cyber attacks
Special Computer
Covers your computer hardware, software and other equipment
Data Breach
Pays for recovery services if private personal data is breached