Your home is your most valuable asset

RJF GROUP works to help you protect your home, your belongings and the assets you’ve worked so hard for. We provide coverage for your home at a reasonable price as well as the ability to customize this coverage to fit your lifestyle. RJF GROUP and Farmers' Texas Family Home policy gives you peace of mind and protects you and your belongings.

The Texas Family Home Policy includes four essential types of coverage, including:

Coverage for the structure of your home.
Coverage for your personal belongings.
Liability protection.
Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

The difference in the Texas Family Home Policy and other popular policies is that ours works as more of a cafeteria plan -- together, we can mix and match the coverages, deductibles and rates you desire. The Texas Family Homeowners Policy has a separate clause in it to protect you from damages caused by hurricanes (instead of lumping it together with traditional wind and hail damage).

Farmers is the only major insurance company to still be writing policies along the Gulf Coast of Texas.

Farmers is the only major insurance company to still be writing policies along the Gulf Coast of Texas - a fact we are distinctly proud of. We also write our homeowners policies based on replacement cost -- that is, not on how much money you owe on the house or on the appraised value but the actual cost that you will incur to rebuild your home without deduction for depreciation.

Because of your homeowners policy, Your home will be covered from losses caused by:

fire and lightning;
Sudden and accidental damage from smoke;
Windstorm, tropical cyclone and hail;
Explosion;
Aircraft and vehicles;
Vandalism and malcious mischief;
Rioting;
Theft;
Sudden and accidental discharge, eruption, overflow or release of water;
Buildup of ice;
Fall of trees or limbs;
Familly objects; and
Collapse.

Please note: It is important to differentiate between a homeowner's and a flood policy. A homeowners policy will not cover losses due to flooding or rising water and will not cover flooding from a hurricane. RJF GROUP can assist you by answering any questions you may have as well as to write a flood policy for you and your family.

RJF GROUP specializes in understanding your unique circumstances and the kind of life you live and tailoring a homeowners policy to fit them. Give us a call and let's discuss what you want out of a homeowners policy.