Did You Know Home Insurance Doesn’t Cover Flooding?
Home insurance coverage is an often-misunderstood topic. This insurance covers a wide range of dangers that threaten your home, but there are some exclusions to this coverage. Floods are becoming an increasingly serious problem across the U.S., especially in Texas and other southern states. Not only is the rate of hurricanes and tropical cyclones increasing, but […]
What are Standard Coverages for Home Insurance?
Home insurance often sounds complicated, but it’s actually pretty simple as long as you have good sources and plenty of time to research. There are many types of home insurance policies from HO-1 to HO-8. HO-3 is the most common home insurance policy. It covers: The big difference between HO-3 and other policies are the type of […]
Moving To A New Office? Here’s What Your Insurer Needs To Know
Whether you’re expanding your business, downsizing or you just found a place with lower rent across town, a new office means you’re going to have to make some changes to your existing business insurance policy. The rule of thumb is the same as always: The more your insurer knows, the better they’ll be prepared to provide you […]
What is the Texas Standard Auto Insurance Policy and What Does it Cover?
Having car insurance in Texas is incredibly important. The state is known for its winding highways, sprawling construction and fast drivers. In 2019, there were 12,161 crashes that resulted in 14,908 people obtaining serious injuries. A standard auto insurance policy in Texas includes: Many drivers in Texas with comprehensive car insurance choose a $1,000 deductible. A higher […]
What is the Minimum Car Insurance Required in Texas?
States have their own mandates as to how much auto insurance drivers must carry. This is to ensure other people are protected in case a driver causes bodily injury or property damage in an accident. Texas is no exception, and actually has higher requirements than a lot of other states. The minimum requirements for auto insurance in Texas […]
How Can I Lower My Homeowners Insurance Rate?
Owning a home is a huge investment and can be expensive. Homeowners insurance rates can crawl up without notice until you’re hit with a bill that’s way over what you originally expected. Thankfully, there are ways to pay less for your homeowners’ insurance. Build Your Credit Homeowners with high credit tend to have lower insurance rates, as they’re […]
Is Home Insurance Legally Required
When you buy a home, you have to prepare yourself to spend a lot of money. First, there’s the cost to buy the home, which is likely one of the biggest costs you will ever make. Second, there’s all the money you’ll invest in property maintenance and upkeep over the years. That’s incentive enough to buy homeowners […]
Include Life Insurance as Part of Your Estate Plan
Regardless of how old you are, you’re going to want to think about the future. This includes thinking about a time when you won’t be here anymore. Your eventual death will mean making arrangements for what you leave behind, including survivors. Even if you don’t have much, you’re going to leave behind an estate. Most […]
How Poor Ventilation Can Do More Damage Than You Think
When it comes to what is and isn’t covered on home insurance the line is usually drawn at one simple question: Was there anything you could have done to prevent the damages? This is why we check our plumbing for leaks and keep our smoke detector batteries fresh. One area that many homeowners neglect, however, […]
When to File a Claim vs. When to Cover Out of Pocket
People always say that home insurance is “better to have and not need than the other way around.” The trick is figuring out when you need it. Ideally, insurance is a last line of defense. Sometimes, it even makes far more sense to cover the damages yourself without filing a claim.
