Texas home insurance guides
Wind and hail deductibles, roof settlement, renewal increases, and the parts of a Texas home 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.
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.
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.
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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