Earthquake Insurance for Missouri and Tennessee Homes
Standard homeowners and renters policies in Missouri and Tennessee leave out earthquake damage. Here is how New Madrid earthquake coverage, deductibles, and costs work.
October 16, 2026
Home Insurance
Why Texas Home and Auto Insurance Rates Are Starting to Fall
Insurance News · Texas On October 8, 2026, the Texas Department of Insurance announced that many of the homeowners and auto insurance rate filings it
October 15, 2026
Is a Dog Bite Covered by Your Texas Homeowners Policy?
Home Insurance · Texas · Personal Liability A neighbor’s child reaches through a fence. A delivery driver steps into the yard. A guest slips while
September 30, 2026
What the Texas Department of Insurance Roof Age Clarification Means for Texas Homeowners
TDI’s Sept. 29, 2026 notice says Texas insurers cannot decline or nonrenew a home policy only because the house or roof is old. Condition and price can.
September 30, 2026
Colorado Hail: Insurance Costs and Roof Grant Options
Insurance News · Colorado Colorado homeowners have spent years hearing that wildfire is the reason insurance feels expensive. New Division of Insurance data told a
September 28, 2026
Your Texas Home Insurance Renewal Checklist
Home Insurance · Texas Your Texas homeowners renewal packet arrives, the premium looks higher than last year, and the easy move is to let auto-renew
September 28, 2026
Who Has the Best Homeowners Insurance in Texas?
No single insurer is best for every Texas home. Learn what “best” should mean, which carrier types fit common Texas situations, and how to compare matched quotes.
September 26, 2026
Texas Discounts for Storm-Hardened Homes Explained
Insurance News · Texas In mid-September 2026, the Texas Department of Insurance pressed home insurers to give meaningful premium discounts to homeowners who harden their
September 22, 2026
Foundation Damage and Texas Home Insurance: What’s Covered
Learn when Texas home insurance covers foundation damage, slab leaks, clay-soil exclusions, claim steps, and prevention tips.
September 11, 2026
Ways to Lower Your Texas Home Insurance Premium
Texas Homeowners Insurance How to Lower Home Insurance Premiums in Texas Texas homeowners premiums move with three big forces: storm risk, the cost to rebuild
September 9, 2026
Homeowners Insurance Coverage: What’s Included and What’s Not
Texas Homeowners Insurance Homeowners Insurance Coverage: What’s Included (and What’s Not) A Texas homeowners policy is a package of six standard coverages—usually labeled A through
September 9, 2026
How to Determine Home Insurance Coverage and Cost in Texas
Size Texas home insurance around Coverage A rebuild cost—not market price—then set deductibles, liability, and a flood plan. Educational, no invented percentage discounts.
September 8, 2026
Is Mortgage Insurance the Same as Home Insurance?
Mortgage insurance (PMI/MIP) protects the lender if you default. Homeowners insurance protects you for dwelling damage, belongings, and liability. They are different products—and many buyers need both at closing.
September 7, 2026
Home and Household Insurance in Texas: HO-3 Basics
How Texas homeowners policies cover the structure and the household—personal property, liability, and common endorsements—without fake savings claims.
September 4, 2026
Are Items in a Storage Unit Covered by Homeowners Insurance?
Homeowners insurance may cover belongings in a storage unit, but off-premises personal property is often capped near 10% of Coverage C. Theft, fire, flood, mold, and facility insurance differ—review limits before you store.
September 3, 2026
Water Heater Damage and Your Homeowners Policy
Homeowners insurance usually does not pay to replace an aging water heater, but resulting water damage from a sudden burst or failure is often covered after the deductible. Gradual leaks and maintenance failures are commonly excluded.
September 2, 2026
Window Replacement and Home Insurance Coverage Explained
Homeowners insurance often pays to repair or replace windows damaged by a covered peril such as hail, wind, or vandalism after the deductible—not age, failed seals, or efficiency upgrades. Texas and Colorado hail context included.
August 31, 2026
What Comprehensive Home Insurance Means Beyond an HO-3
HO-5 policies offer the most comprehensive home insurance by providing open perils coverage for your belongings. For Texans, these high-level policies differ from standard coverage and protect your assets against more risks.
August 30, 2026
Is Homeowners Insurance Required in Texas?
Texas law does not require homeowners insurance, but mortgage lenders almost always do. Cash buyers can opt out—at their own risk.
August 29, 2026
Power Surges and Renters Insurance: What’s Covered
Renters insurance often covers personal property damaged by lightning-related power surges. Utility or artificially generated surges are frequently limited unless you add equipment breakdown. Your landlord’s policy covers the building—not your electronics.
August 27, 2026
How to Self-Insure Your Home in Texas: Is It a Smart Move?
What self-insuring a Texas home really means: lender rules, catastrophic exposure, cash reserves, and why bare ownership is rarely smart—educational, not financial advice.
February 28, 2026
Can You Have Two Home Insurance Policies on the Same House?
Texas · Homeowners Insurance · Dual Policies You can end up with two different homeowners policies on the same house—but for most people it is
January 18, 2026
Second Home Insurance in Texas: A Complete Look at Coverage
Second homes in Texas usually need their own policy. Compare HO-3 secondary vs dwelling forms, occupancy and theft limits, wind/hail, and separate flood—no invented percentage discounts.
January 18, 2026
Does Federal Flood Insurance Cover Second Homes?
NFIP flood insurance can cover many Texas second homes; FEMA disaster aid usually targets primary residences. Occupancy, waiting periods, building vs contents, and private flood alternatives explained.
January 18, 2026
Can I Change My Insurance Agent but Keep My Insurance Company?
You can switch insurance agents without changing companies by submitting a Broker of Record letter. Your coverage stays the same while your new agent handles service and support. It’s a simple way to get better communication, guidance, and overall insurance experience.
December 2, 2025
Texas High-Value Home Insurance
Educational Texas guide to high-value home insurance—rebuild limits, scheduled valuables, specialty markets, and appraisal under hail and wind pressure.
November 8, 2025
Protecting Your Texas Home With Flood Insurance
Texas · Flood Insurance · Homeowners Flood insurance in Texas is almost always a separate policy from homeowners coverage. The standard homeowners policy form most
July 12, 2025
How to Evaluate the Best Places to Live in Texas
Are you looking to recapture the art and tech you know and love in Silicon Valley? Maybe you’re looking to find another refuge in a new wine country. Of course, you might be looking to keep your toes in the sand, or you might just be sick of the mess and seek a concrete jungle to conquer. No matter what your situation, these are some of the best cities to live in Texas when moving from California.
July 7, 2025
Are Solar Panels Covered by Insurance in Texas?
Texas · Homeowners · Solar Panels Many Texas homeowners can insure solar panels under a homeowners policy, but “covered” is not automatic or unlimited. Rooftop
July 7, 2025
Eleven Ways to Lower Your Housing Expenses in Texas
How much does a house cost? The true cost of home ownership goes far beyond the price you pay for purchasing your home. The average cost of owning a home continues to rise and there are important considerations homeowners and prospective homeowners should be aware of.
July 7, 2025
