Texas insurance guides
The questions we answer on nearly every call, written down with sources. No sales pitch inside, just the parts of a Texas policy people wish someone had explained earlier.
Home / 13 minWhat to Do After a Hail Storm in Houston Before Calling a Roofer: The 72-Hour ChecklistDocument damage, file your claim, and protect your rights before a contractor knocks. The first 72 hours after Houston hail determine your settlement.
Home / 12 minWhy Houston Home Insurance Costs More Than the Rest of TexasHouston homeowners pay 15-30% more than state averages. Flood zones, hail frequency, coastal proximity, and claims density drive the gap. Here's why.
Home / 14 minRoof Age and Texas Home Insurance: What Changes at 10, 15, and 20 YearsTexas carriers restrict coverage or require inspections at 10, 15, and 20 years. Learn what happens at each threshold and how to keep full coverage.
Home / 13 minIndependent vs Captive Insurance Agent in Texas: Which Should You Choose?Independent agents shop multiple carriers; captive agents sell one. Learn the real differences, pricing impact, and which model fits Texas homeowners and drivers.
Auto / 11 minTexas UM/UIM and PIP Coverage: Why You Must Reject in Writing (and What Happens If You Don't)Texas law requires written rejection of UM/UIM and PIP auto coverage. Learn what these coverages do, how to reject them legally, and why most agents say don't.
Coastal / 13 minHow Hurricane Beryl and the May Derecho Raised Houston Home Insurance PremiumsHurricane Beryl and the May 2024 derecho triggered $5+ billion in Texas claims. Here's how those storms changed Houston home insurance premiums in 2025-2026.
Home / 12 minHO-6 Condo Insurance in Texas: What Your HOA Master Policy Doesn't CoverYour Texas HOA master policy covers the building, not your unit. Learn what HO-6 condo insurance covers, how it fills the gaps, and what to check before you buy.
Home / 16 minHow to Read Your Texas Homeowners Declarations Page: A Line-by-Line GuideYour Texas homeowners declarations page lists every coverage limit, deductible, and endorsement. Here's what each line means before you renew or switch.
Business / 11 minIs Workers Comp Required in Texas for Small Business? The 2026 Rule ExplainedTexas workers comp is optional for most small businesses, but mandatory for construction. Learn the exact rules, penalties, and when coverage protects you.
Home / 5 minRenewal shock: what to check when your home premium jumpsYour Texas home insurance renewal came in a lot higher. Before you pay or switch, check these six things on the declarations page.
Home / 5 minRoof coverage in Texas: actual cash value vs replacement costAn ACV roof endorsement can turn a $10,000 hail claim into a $0 payout on an older roof. Here's the TDI worked example and how to check your policy.
Auto / 6 minTexas auto minimums: what 30/60/25 covers and what it doesn'tTexas requires proof you can pay for accidents you cause, and 30/60/25 liability is how almost everyone meets it. What the numbers mean, why they run out fast, and the UM/UIM and PIP coverage you keep unless you reject it in writing.
Coastal / 5 minTWIA windstorm coverage for coastal Texas homesOn the Texas coast, your home policy may exclude wind. TWIA fills the gap, but only through an agent, and not while a hurricane is in the Gulf.
Home / 5 minWhy Texas home insurance costs so much in 2026Texas home premiums rose twice as fast as the national median from 2019 to 2024. Here's what's driving it, what's changed, and what you can control.
Home / 5 minWind and hail deductibles in Texas, explained with real numbersMost Texas home policies use a percentage deductible for wind and hail. Here's how it's calculated, what 1% vs 2% costs you in a claim, and how to choose.
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