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What 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.
Read MorePool Insurance in Texas Explained
Pool insurance in Texas is a coverage that isn’t available, but also not necessary because home insurance covers your losses.
Read MoreEverything You Need To Know About Buying a Car in Texas
When buying a car in Texas, there are certain steps that need to be taken and for used vehicles, all of these dynamics are even more paramount.
Read MoreHow To Start an Airbnb in Texas – Becoming an Airbnb Host
There’s no doubt that there are plenty of opportunities on Airbnb to make some extra cash, but if you don’t do things correctly, the end result can be a nightmare. From unruly guests to property damage to legal issues and more, there are a lot of things to consider when Airbnb hosting.
Read MoreHome Insurance Protects Against Property Crime
Remember, both Texas and Colorado rank as some of the states with the most crimes against property. This means the peril is a viable threat and elevated for both you and your insurance company. There are many different factors that go into creating your monthly premium, and this includes the crime rate where you live. While local crime rates may weigh heavier, make no mistake that statewide trends are also included in many calculations.
Read MoreTax Breaks for Homeowners Amid Inflation
Knowing the tax deductions for homeowners that are available is important for maximizing your tax refund or at least to avoiding paying the government more than you need to. Learn more about where you can and can’t catch tax breaks as a homeowner.
Read MoreOvercoming Car Insurance Inflation & Home Insurance Annual Increases
You don’t have to look far to find that throughout 2022 and into 2023, inflation has raised the cost of living for Americans across the board. Even as optimistic forecasts show inflation slowing, insurance policies look to be higher for the long haul. This means car insurance inflation will continue to raise rates for your auto coverage.
Read MoreHome Insurance for Duplexes – Cheap Texas Quotes
Finding the right policy is going to come down to several of these factors and the amount of risk tolerance you have as a homeowner. In some cases, an HO3 policy (standard home insurance policy) will work best, while for others, a DP-3 policy (dwelling fire policy) will work better.
Read MoreDP-3 Policy: Home Insurance for Duplexes and Townhomes
Having a duplex, or townhome, is becoming an increasingly attractive option for homeowners. There are many benefits including a cheaper price take, fewer maintenance expenses, and depending on your situation, they can be a way to generate revenue. A DP-3 policy is one of the most popular home insurance options available for protecting a multi-family home.
Read MoreWorkers’ Compensation Insurance for Household Employees
Workers comp’ for household employees is a crucial step in staying protected. Just as a homeowners insurance policy and umbrella insurance coverage help you reduce exposure to such losses, if you have workers helping to run your estate, it’s important to understand how you can stay protected.
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