Texas families · Home and the cars
Home and auto insurance for a Texas household
A family policy has to survive hail, a freeze, and a car full of teenagers. Bundling home and auto can be cheaper. It can also hide a thinner roof settlement. Compare the same limits at one carrier and at two. Keep the mix that pays the claim you can actually afford the deductible on.
Hubs: Texas homeowners, Texas auto, and bundling.
The house
Coverage A should be the cost to rebuild, not the sale price. A percentage hail deductible is a percent of that limit. Write it in dollars before you celebrate a lower premium. Ask whether the roof is replacement cost or actual cash value. Actual cash value subtracts depreciation, so an older roof pays much less after a storm. A burst pipe in a freeze is a different peril from flood. Flood is still a separate policy. Dwelling detail: dwelling coverage. The wider property picture: property insurance in Texas.
The cars
List every household driver. A teen who lives with you and is not on the policy is a claim problem, not a savings. Liability pays other people. Collision and comprehensive pay your cars, each with its own deductible. One hailstorm can hit every car in the driveway, so two high comprehensive deductibles are two checks the same afternoon. Car insurance in Texas.
If a serious injury could pass the auto and home liability limits, an umbrella sits above both. It does not replace them. Umbrella.
