(a) A farm mutual insurance company may insure property against loss or damage by:
(1) fire, lightning, explosion, theft, windstorm, hurricane, hail, riot, civil commotion, smoke, aircraft, or land vehicles; or
(2) any other hazard against which any other fire or windstorm insurance company operating in this state under Chapter 862 may write insurance on property described by Subsection (b).
(b) The company may write insurance against the hazards described by Subsection (a) on:
(1) a rural or urban dwelling and attendant outhouses and yard buildings and all their contents for home and personal use, musical instruments and libraries, barns and ranch buildings of any description and vehicles and implements used on or about barns or ranch buildings;
(2) agricultural products that are produced or kept on farms or ranches;
(3) a church building, fraternal lodge hall, private or church school, or nonindustrial use building owned by a nonprofit organization, regardless of the location;
(4) a trailer or mobile home; and
(5) growing crops if the insurance is reinsured by:
(A) the Federal Crop Insurance Corporation under Section 508, Federal Crop Insurance Act (7 U.S.C. § 1508); or
(B) a property and casualty insurance company that:
(i) is authorized to write insurance in this state; and
(ii) has a rating by the A.M. Best Company of A- or better.

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Terms Used In Texas Insurance Code 911.151

  • Corporation: A legal entity owned by the holders of shares of stock that have been issued, and that can own, receive, and transfer property, and carry on business in its own name.
  • Property: means real and personal property. See Texas Government Code 311.005
  • Written: includes any representation of words, letters, symbols, or figures. See Texas Government Code 311.005

(c) An insurance policy written by a farm mutual insurance company against loss or damage by windstorm, hurricane, or hail, as described by Subsection (a), may include coverage for:
(1) a building or other structure that is built wholly or partially over water; and
(2) the corporeal movable property contained in a building or structure described by Subdivision (1).
(d) The farm mutual insurance company may impose appropriate limits of coverage and deductibles for coverage described by Subsection (c).

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