Find out when Texas homeowners insurance will cover mold—from sudden, accidental water damage that must be reported quickly to tight mold sublimits—and learn steps to strengthen your claim....
Learn why standard homeowners policies typically exclude termite damage, when narrow exceptions like fire or sudden collapse may apply, and how proactive inspections and pest control can protect your home....
Know when your homeowners policy will cover foundation cracks: sudden, accidental events like burst pipes or impact may be covered, while gradual settling, soil movement, and maintenance issues usually are not....
Insure your home for replacement cost—not market or appraised value—to avoid costly underinsurance and ensure you have the funds to fully rebuild after a loss....
Learn how the Texas Department of Insurance protects consumers and how to file a complaint to resolve denied claims, cancellations, or bad-faith claim handling....
Protect your finances: learn how Uninsured and Underinsured Motorist coverage differs in Texas and New Mexico and how to close coverage gaps when you drive across state lines....
In the first hour after a crash, Texans often forget 10 critical steps—from avoiding admissions and getting checked to preserving evidence and notifying your agent—know them to protect your claim and finances....
Know your Texas rights after a collision: you can choose your repair shop and parts—avoid insurer steering and insist on OEM parts and proper ADAS calibration for safety....
Understand ACV vs RCV for roof claims: ACV pays depreciated value while RCV covers full replacement—knowing which you have can prevent large out‑of‑pocket costs after hail or storm damage....
New tariffs on vehicles, parts and building materials are raising repair and replacement costs, driving up auto and home insurance premiums. Review your coverage to avoid gaps and unexpected out-of-pocket expenses....
