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How much does raising deductibles save on home insurance in Texas?
Raising deductibles on your Texas home insurance policy can result in savings on your premium, but the exact amount saved can vary significantly based on several factors. Most of the time, your home insurance deductible is based off of a percentage of your total coverage. For example, let’s say you have a 1% deductible for…
Read MoreEverything you need to know about the home insurance claims process
Home insurance claims can be a bit daunting if you’ve never navigated the process before. Here’s a comprehensive overview: 1. Understand Your Policy: Before you can file a claim, it’s essential to understand what your policy covers. Most standard homeowners insurance policies provide coverage for: Dwelling (your home’s structure) Other structures (sheds, fences, etc.) Personal…
Read MoreThe History and Meaning of the term “Hazard Insurance”
“Hazard insurance” refers to insurance coverage that protects property owners against damage caused by natural disasters, such as storms, fires, earthquakes, and floods. The term “hazard” in this context represents anything that can cause damage to a property. The term can mean different things to different people, so whenever hearing the words “hazard insurance” in…
Read MoreDoes Texas home or landlord insurance cover rodent damage?
Home insurance policies can vary in terms of their coverages, exclusions, and limits. In Texas, as in many other states, standard homeowners insurance policies typically do not cover damage caused by rodents (such as rats, mice, and squirrels) under their basic terms. Here are some reasons why: Maintenance Issues: Insurance often considers rodent infestations a…
Read MoreInsurance Companies Pulling Out of Texas – A Growing Concern
It happened in Florida following devastating hurricanes ravaged their state. The same in Louisiana following the unthinkable damage left in the wake of Hurricane Ida. Again, it would take place in California following wildfires. Now, in 2023, insurance companies pulling out of Texas has become a reality.
Read MoreHow does my mortgage escrow work and how does it pay my home insurance?
When you have a mortgage, your lender might require you to set up an escrow account to ensure that property taxes and homeowner’s insurance are paid on time. Here’s how the process typically works: Setting Up the Escrow Account: When you close on your home, your lender will often set up an escrow account for…
Read MoreIs Texas a good place to move to? List of the best Texas cities to live in
Whether or not Texas is a good place to move to depends on individual preferences, needs, and circumstances. Texas offers a variety of benefits and opportunities, but it also comes with its set of challenges. Here are some pros and cons to consider when thinking about moving to Texas: Pros of moving to Texas: Economic…
Read MoreIs flood damage covered by home insurance in Texas?
In Texas, as in most parts of the U.S., standard homeowners insurance policies do not cover flood damage caused by external sources, such as heavy rains, storm surges, or the overflow of rivers and lakes. If you want protection from flood damage in Texas, you typically need to purchase a separate flood insurance policy. Here…
Read MoreFinding the Best Home and Auto Insurance Bundle in Texas
If you own a home in Texas, you likely also own a vehicle as well. It also likely stands that you’ll be looking for the best home and auto insurance bundles available in The Lone Star State. This means receiving the protection you deserve and paying the lowest cost possible when doing so.
Read MoreWhat Is Not Protected by Most Homeowners Insurance Policies in Texas?
Getting to know which areas are not protected by most homeowners insurance can be better understood by looking at the many coverages that make up your house insurance. A standard home insurance policy will protect your finances, your home, and your personal property from potential losses.
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