Protect Your Business and Personal Assets with Navigant Insurance's Comprehensive Coverage Solutions


Welcome to Navigant Insurance, your trusted partner in safeguarding your business and personal assets. We understand that both aspects of your life require comprehensive protection, and we are here to provide you with tailored coverage solutions that address your unique needs.

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About Us

Navigant Insurance Solutions, LLC

Your Trusted Partner in Comprehensive Coverage Solutions

As a leading insurance provider, we specialize in protecting businesses and individuals with personalized service and attention to detail. With a deep understanding of the unique challenges you face, we offer tailored commercial insurance lines for industries such as marine, environmental, oil and gas, and more. Additionally, our wide range of personal lines coverage options ensures that your home, auto, life, and other assets are safeguarded. With Navigant Insurance, you can rely on our expertise, exceptional customer care, and commitment to building lasting relationships. Discover peace of mind and secure your future with Navigant Insurance today.

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At Navigant Insurance, we believe in the power of partnerships. That's why we have established strong alliances with leading industry organizations and trusted insurance providers. Through these partnerships, we are able to enhance our services and offer our clients access to a wide range of specialized expertise and comprehensive insurance solutions. Our collaborative approach allows us to stay at the forefront of industry trends, provide innovative coverage options, and deliver exceptional value to our clients. We take pride in our network of partnerships, as they enable us to better serve the unique needs of our clients and ensure their peace of mind when it comes to their insurance protection.

Commercial Coverage

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General Liability Insurance

Essential coverage for businesses, protecting against third-party claims for injury, property damage, and personal injury.

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Commercial Property Insurance


Safeguards physical assets like buildings, equipment, and inventory from perils such as fire, theft, and natural disasters.

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Workers' Compensation Insurance


Provides benefits for work-related injuries or illnesses, offering medical expenses, wage replacement, and rehabilitation support.

Personal Coverage

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Homeowners Insurance

Protects homes and personal belongings from damage or loss due to natural disasters, theft, and liability for accidents on the property.

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Auto Insurance


Mandatory coverage ensuring financial protection for vehicle damage, accidents, and liability for injuries or property damage caused by the insured.

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Life Insurance


Provides a financial safety net by offering a payout to beneficiaries, covering expenses, debts, and maintaining financial stability after the insured's death.

Raving Reviews

We listen to our customers.

"Meredith is the best. She has helped us with our insurance needs for a year now. She is great with her communication and stays on top of everything. At renewal time, she makes sure you are getting the best rate possible. Highly recommend!"

Tyler Morris

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Insurance Resources & Insights

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Demystifying Texas Homeowners Policy Forms: What You Need to Know

January 31, 20242 min read

Demystifying Texas Homeowners Policy Forms: What You Need to Know

Navigating the intricate landscape of homeowners insurance in Texas involves understanding the various policy forms available. Each policy form comes with its own set of features and coverage options. In this comprehensive guide, we'll decode the common homeowners policy forms in Texas, empowering you to make informed decisions about protecting your home.

Understanding the Basics:

  1. HO-1: Basic Form - Limited Coverage

    • The HO-1 policy provides basic coverage against specific perils outlined in the policy. It's a minimalistic option, covering events like fire, theft, vandalism, and certain natural disasters.

  2. HO-2: Broad Form - More Inclusive Coverage

    • The HO-2 policy is an extension of HO-1, offering coverage for a broader range of perils. It typically includes additional protections, such as damage from falling objects or weight of ice, snow, or sleet.

  3. HO-3: Special Form - Comprehensive Coverage

    • HO-3 is the most common and comprehensive policy. It provides coverage for your dwelling and other structures on an open-perils basis, meaning it covers all risks unless explicitly excluded. Personal property is covered on a named-perils basis.

  4. HO-4: Contents Broad Form - Renter's Insurance

    • Designed for renters, HO-4 provides coverage for personal property against named perils. It does not cover the structure itself, as that is the landlord's responsibility.

  5. HO-5: Comprehensive Form - High-Value Homes

    • HO-5 is similar to HO-3 but offers broader and more inclusive coverage for both the dwelling and personal property. It's suitable for high-value homes.

  6. HO-6: Unit-Owners Form - Condo Insurance

    • HO-6 is tailored for condo owners, covering personal property, liability, and improvements to the owner's unit. The condo association's master policy typically covers the structure.

  7. HO-8: Modified Coverage Form - Historic or Older Homes

    • HO-8 is designed for older or historic homes. It provides limited coverage for the replacement cost of the dwelling and is more focused on repair or restoration.

Key Considerations:

  • Policy Exclusions: Understand what perils are excluded from your policy. Common exclusions may include flood, earthquake, or certain types of water damage.

  • Dwelling Replacement Cost: Assess whether your policy covers the replacement cost of your dwelling or if it considers depreciation.

  • Personal Property Coverage: Determine the extent of coverage for your personal belongings, especially high-value items like jewelry or electronics.

  • Liability Coverage: Evaluate the liability coverage provided by the policy, protecting you in case someone is injured on your property.

Navigant Insurance Assistance:

Decoding homeowners policy forms in Texas can be complex, and making the right choice is crucial for adequate protection. At Navigant Insurance, our experienced advisors are here to guide you through the nuances of each policy form, ensuring you choose the one that best suits your needs. Contact us today for personalized assistance in safeguarding your Texas home.

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Ricky Wong - Experienced Insurance Agent Committed to Your Protection

Ricky Wong is a seasoned insurance agent with a passion for providing comprehensive coverage solutions to individuals and businesses. With over a decade of experience in the insurance industry, Ricky brings a wealth of knowledge and expertise to the table. He is dedicated to understanding the unique needs of his clients and tailoring insurance solutions that provide maximum protection and peace of mind. Throughout his career, Ricky has established a strong reputation for his exceptional customer service and attention to detail. He takes the time to listen to his clients, assess their risks, and recommend insurance options that align with their specific requirements and budget. Whether you're a small business owner in need of commercial insurance or an individual seeking personal lines coverage, Ricky's commitment to delivering outstanding service remains unwavering. Ricky's expertise spans across various insurance specialties, including commercial liability, business auto, property, cyber insurance, as well as personal lines such as home, auto, life, and more. He stays up-to-date with the latest industry trends and regulations to ensure his clients receive accurate and reliable advice.

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Speak to Your Agent


Speak with one of our knowledgeable agents today and discover the perfect insurance solutions for your specific needs.

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Call Us for Any Questions

(281) 398-0001

A Note From Ricky Wong

Welcome to Navigant Insurance! I'm delighted to have you here. As the owner, I personally want to extend my warmest greetings and thank you for considering us for your insurance needs.

At Navigant Insurance, we understand that finding the right coverage can be a daunting task. That's why our dedicated team is here to assist you every step of the way. We pride ourselves on delivering exceptional customer service and tailored insurance solutions that provide peace of mind.

Whether you're a business owner in need of comprehensive commercial insurance or an individual looking to protect your home, auto, or other assets, we have the expertise to guide you. Our commitment to understanding your unique requirements allows us to recommend the most suitable policies, ensuring that you have the coverage you need when it matters most.

We believe in building lasting relationships with our clients, based on trust, reliability, and integrity. Our goal is to be your trusted partner in managing risks, reducing costs, and protecting what matters most to you. You can count on us to listen attentively, provide personalized recommendations, and navigate the complexities of the insurance landscape with you.

I invite you to explore our website, learn more about our comprehensive coverage options, and get in touch with our knowledgeable agents who are ready to assist you. We are here to answer your questions, address your concerns, and help you make informed decisions that align with your specific needs.

Thank you for considering Navigant Insurance. We look forward to serving you and being your reliable insurance provider. Together, we can safeguard your future and provide you with the peace of mind you deserve.

Office:
16420 Park Ten Place, Suite 410

Houston, Texas 77084

Call:

(281) 398-0001