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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 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 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 MoreHow Much Renters Insurance Should a Landlord Require in Texas?
The right coverage can also keep messy liability concerns at bay knowing an insurance policy is there to help with such potential losses. Get to know the right level of coverage, how it can help you and your tenant, and why renters insurance as a requirement can help both parties all around.
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