Wind and Hail Deductibles in Texas Home Policies: Avoid a $7,000 Surprise
Don’t be blindsided by a $7,000 wind/hail deductible—Texas policies often use percentage deductibles (now commonly 2%+), and ACV roof changes can raise your out-of-pocket; review your declarations.
The Truth About Full Coverage and Gaps in Your Auto Policy
Think “full coverage” means total protection? Learn the common gaps in auto policies and the key add‑ons—higher liability, UM/UIM, GAP, rental and umbrella—that keep you truly covered.
What Happens When Damages Exceed Your Auto Insurance Limits in Texas
If damages exceed your Texas auto limits, the insurer pays only up to the limit and you can be personally responsible for the remainder; review liability and umbrella options to protect your assets.
Why Your US Auto Policy Does Not Cover You in Mexico Driving Into Mexico: Why US Insurance Falls Short Essential Mexican Auto Coverage Requirements for US Drivers
Protect yourself: U.S. auto policies and Mexico endorsements often won’t satisfy Mexican law; secure Mexican liability coverage before crossing the border to avoid fines, detention, and uncovered claims.
Towing Claims and the CLUE Report: Risks to Your Insurability
Roadside tows can appear on your CLUE report and trigger higher rates or nonrenewal, so learn how to avoid this hidden risk and protect your insurability.
Cosigning a Car Loan: Hidden Financial and Insurance Risks
Thinking of cosigning a car loan? Learn the hidden financial and insurance risks—from full loan liability and credit impact to potential insurance exposure—so you can protect yourself before signing.
Telematics: How Usage-Based Auto Insurance Works and Whether to Opt In
Telematics uses apps or devices to track driving habits to earn discounts, but programs differ; some only offer savings while others can raise rates—learn how it works and whether opting in fits your situation.
How Insurers Use AI to Set Your Insurance Rate
AI-driven algorithms analyze hundreds of data points to deliver faster, individualized insurance quotes, while human review helps ensure fair pricing and better outcomes for you.
How Your Credit Score Impacts Auto and Home Insurance Rates
Your credit-based insurance score can dramatically raise or lower your auto and home premiums; learn how insurers use it and practical steps to improve your score and shop smarter to lower costs.
Safest Sedans, SUVs and Trucks of 2026: What It Means for Your Insurance
Discover which 2026 sedans, SUVs and trucks earned top IIHS safety awards and what that means for your insurance premiums.
Is My Vehicle Totaled? How Texas Calculates Your Fair Payout
Learn how Texas’ total-loss formula and ACV calculations affect your payout—and how to challenge lowball offers so you get sales tax, title and registration included.
Should You Buy Rental Car Damage and Liability Coverage?
Rental car coverages can duplicate your policy or plug costly gaps—skip damage waivers if collision/comprehensive cover rentals, but consider supplemental liability if your liability limits are low.
OEM vs Aftermarket Parts After a Crash: Texas Rules and Your Rights
After a crash, learn how Texas law protects your rights: OEM parts are required for vehicles under 36 months, insurers must disclose aftermarket use, and you can request OEM upgrades.
Permissive Use in Texas: What Happens When Someone Borrows Your Car?
Lending your car in Texas? Understand permissive use—when your policy pays first, what exceptions apply, and how to avoid unexpected liability.
Does Homeowners Insurance Cover Plumbing?
Does homeowners insurance cover plumbing? Learn what water damage, burst pipes, leaks, and repairs are usually covered – and what is not.