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....
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....
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....
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....
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....
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....
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 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....
