Homeowners of America Insurance Company, a Porch Group carrier, has filed to introduce a commercial property program in Texas for homeowners associations and commercially owned dwelling fire portfolios.

The proposed program includes a common property coverage form for associations, alongside endorsements addressing water damage, roof settlement, wind and hail deductibles, and named storms. Optional coverages include service lines, equipment breakdown, and enhanced ordinance or law protection.

The filing was submitted to the Texas Department of Insurance on September 22 and remains under review. Homeowners of America requested a November 1, 2026, effective date for new business and renewals.