It’s also important to understand the differences between a cancellation and a non-renewal. But both can create a home insurance lapse, something all homeowners in Texas will want to avoid for many reasons.
In Texas, as in most other states, standard homeowners’, landlord, and mobile home insurance policies typically do not cover damage caused by earthquakes. However, homeowners can purchase a separate earthquake endorsement or a standalone earthquake insurance policy to cover such…
Umbrella Insurance is additional insurance that provides protection beyond present limits and coverages of other policies. It offers coverage for injuries, property damage, lawsuits, and personal liability situations. They also cover claims in excess of regular homeowners, auto, or watercrafts. …
Summary: Umbrella and excess liability insurance both provide extra protection beyond standard policies, but they differ in coverage scope. Umbrella insurance offers broader protection, covering various liability risks, while excess liability extends existing policy limits without adding new coverage types. Texans…
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…
Also known as endorsements, an insurance rider is commonly used to protect expensive personal items including jewelry, collectibles such as art, instruments, etc. Typically, they cover items that are either not already included on your insurance or the cost of…
If you’re a homeowner in Texas looking to boost your monthly income by renting out a room, you’re tapping into a lucrative opportunity. However, this decision can significantly alter your insurance needs. Here’s what you should consider: Renting Out Your…
Even though your home insurance policy likely does cover burst pipes, it’s always a good idea to assess your specific policy with a licensed insurance agent, as everyone’s coverage may vary.
When considering home insurance in Waco, Texas, homeowners are often looking for a combination of comprehensive coverage, excellent customer service, and competitive pricing. This article highlights the top five home insurance companies in Waco, based on these criteria. State Farm:…
If you’re new to reading a Texas flood zone map, it can feel a bit daunting. Thankfully, it doesn’t have to be such a challenge with these great tips. Understanding flood zones in a Texas map will help you better…
