Commercial Insurance
Additional Insured vs Additional Interest
Additional insured vs additional interest: who can file a claim, who only gets notice, and why a certificate is not the endorsement.
October 5, 2026
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Texas Insurance Blog
Guides and plain-English answers on Texas auto, home, landlord, and business insurance — written for drivers and homeowners across the state.
Commercial Insurance
Umbrella Insurance for Rental Properties
How umbrella insurance for rental properties works as excess liability over a landlord policy, and what it does not pay.
October 5, 2026
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Commercial Insurance
Short-Term Rental Insurance for Texas Hosts
Why short-term rental insurance is separate from a homeowners policy, and what Texas hosts should confirm before the first booking.
October 5, 2026
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Personal Insurance
College Students and Renters Insurance
How college students and renters insurance work in a dorm versus an off-campus lease, including parent-policy limits.
October 5, 2026
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Personal Insurance
Renters Insurance with Roommates, Explained
How renters insurance with roommates works when names, limits, liability, and storage units do not match the lease.
October 5, 2026
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Personal Insurance
How Much Renters Insurance Coverage to Buy
How much renters insurance coverage to buy for contents, liability, and the sublimits inside a renters policy.
October 5, 2026
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Personal Insurance
HO-14 Renters Form: What It Covers
What the HO-14 renters form covers, including open perils and replacement cost, and where it is narrower than an HO-4.
October 5, 2026
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Personal Insurance
What Water Backup Coverage Actually Pays
What water backup coverage pays for, how HO 04 95 and HO 06 95 differ, and why it is not flood insurance.
October 5, 2026
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Personal Insurance
Private Flood Insurance vs NFIP Coverage
How private flood insurance vs NFIP coverage differs on limits, contents valuation, waiting periods, and lender acceptance.
October 5, 2026
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Personal Insurance
Texas Social-Host Liability After a Party
How Texas social-host liability differs from dram shop rules, including the under-18 statute and what the Supreme Court refused to create.
October 5, 2026
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