PWC Permissive Use Coverage: 7 Costly Mistakes Owners Make When Lending a Jet Ski
Thinking of lending your Jet Ski? Learn how permissive use, named-operator limits, and PWC-specific coverages like physical damage, liability and MedPay affect claims, costs, and your rates.
Comprehensive vs Collision Coverage: 7 Costly Mistakes Drivers Make
Discover the easy test to distinguish collision vs. comprehensive coverage and smart deductible pairings to protect your car and wallet from common claims like hail or animal strikes.
Ordinance or Law Coverage: 7 Costly Code Upgrade Mistakes Homeowners Make
Ordinance or Law coverage protects El Paso homeowners from surprise, costly code upgrades after damage. It closes the gap between standard policies and local building requirements so repairs stay affordable.
Claims Survival Guide: How to File a Claim and Avoid Costly Mistakes
Claims Survival Guide: Learn how to document damage, make emergency repairs, avoid premature permanent fixes, and handle statements to protect your claim.
Homeowners Insurance Exclusions: 6 Costly Coverage Gaps Every Homeowner Should Know
Protect your home: learn common policy gaps—flood, earthquake, sewer backup, pests, business and valuables limits—and consider endorsements to avoid costly surprises.
Termite Damage Homeowners Insurance: Good Facts Every Homeowner Should Know
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.
Foundation Cracks Homeowners Insurance: 5 Important Coverage Facts Every Texas Homeowner Should Know
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.
Texas Wind and Hail Deductible: The Costly $7,000 Surprise Homeowners Need to Know
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.
Rental Car Insurance Coverage: 5 Costly Mistakes Drivers Make at the Counter
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.
Roof Claim Denied in Texas: 7 Dangerous Coverage Gaps Every Homeowner Must Know
Discover why roof claims get denied—age, wear, rain exclusions, missed documentation or deadlines—and learn practical next steps to document damage, file correctly, and pursue an appeal for fair coverage.
Your Roof, Home Insurance and Windstorm Coverage
Homeowners insurance provides coverage against numerous severe weather hazards, and wind damage is often one of them. However, you should not assume that this coverage is automatically included on your plan. Often, there are a few exclusions and other policy exceptions that will limit your benefits in certain circumstances. Some of these limitations might arise when […]
What Is Property Damage Coverage On My Car Insurance Policy?
All drivers need car insurance, and in most states it’s mandatory anyway. Still, many people don’t fully realize exactly what the specific terms within their policies mean. Therefore, you cannot just assume that your plan includes all the coverage you want it to if you have not examined it thoroughly. One key component that everyone wants […]