Assuming you’re talking about homeowners, you have to be VERY careful, in Texas – we don’t use standard policy forms. The most common policy form, is actually a NAMED PERILS policy. Me, I’m in Houston, and I’ll happily pay more for an "all risk" policy (which, btw, doesn’t insure against EVERYTHING, but is a darned sight better than a named perils policy.

So. Don’t shop based on name, shop based on COVERAGES. That way, when loss time comes around, you’re not there complaining about the insurance company because they’re not giving you something you didn’t pay for.
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