Texas home insurance guides: coverage, deductibles, storms, and shopping tips from Texas Insurance Resources.
What a TWIA windstorm certificate of compliance is, which WPI form you need, and why a missing inspection record can block coastal wind coverage.
TWIA Windstorm Certificate of Compliance Guide Read More »
How Texas Chapters 542 and 542A actually time a homeowners hail or wind claim, from the first written notice through presuit notice and attorney fees.
Texas Hail and Wind Claim Deadlines: What Chapters 542 and 542A Mean for Homeowners Read More »
Practical Texas renewal checklist: whether Coverage A (dwelling) kept pace with rebuild costs — not market value, and not wind/hail deductible math.
Texas Coverage A and Rebuild Costs at Renewal: What Homeowners Should Check Read More »
Introduction In the vast landscape of Texas, where sprawling ranches meet bustling urban centers, homeownership comes with its unique set of challenges and protections. The Lone Star State is no stranger to extreme weather, from hurricanes along the Gulf Coast to hailstorms in the Panhandle, making home insurance not just a luxury but a necessity
Unbundling the Bundle: Texas’s New Anti-Tying Law in Home Insurance Read More »
Many home insurance policies cover air conditioners but each policy varies. Personal ACs are also covered for renters. However, AC units must be affected by a peril that is covered by your policy for reimbursement. You’ll need a home warranty for wear and tear. If your insurance carrier doesn’t accept your claim, there are steps you can take for legitimate disputes to rectify this issue. It’s important to review your coverage annually to avoid coverage gaps.
How To Get Home Insurance To Pay for Your Air Conditioner in Texas Read More »
While home insurance may cover damage caused by your water heater and its replacement, you’ll need to meet certain criteria and have the right coverage in place for protection. Many water heaters can benefit from appliance insurance, also known as a home warranty. There is also coverage available for oil tank leakage, however, you must add a specific endorsement and have an inspection certificate to do so.
Does Home Insurance Cover Water Heater Replacement? Read More »
Covering your home, vehicle, and personal belongings from tornado damage is possible through insurance. Although some homeowners in Texas may need additional coverage, standard home insurance policies protect against tornado damage and windstorms. Comparing the coverage options near you will yield the best results for your protection and budget.
Does Homeowners Insurance Cover Tornado Damage? Read More »
Home and renters policies often cap jewelry theft. How scheduling, appraisals, and exclusions work on the form you actually have.
Jewelry Insurance: Protection for Your Valuables Read More »
In Texas, hurricane insurance primarily pertains to homeowners insurance featuring a hurricane deductible, especially in high-risk coastal areas. Additionally, it encompasses various policies like home/renters, windstorm, and flood insurance. Windstorm deductibles, based on a percentage of the home’s value, differ from standard homeowners insurance deductibles. Renters, drivers, and boat owners each have distinct needs for storm coverage in Texas. Regardless of your situation, securing coverage before hurricane season begins is crucial to avoid any potential lapses.
Texas Hurricane Insurance Resources – Definition, TWIA, and Coverage Read More »
In recent years, big storms hit places like Florida and Louisiana, and wildfires swept through California. Texas has faced a similar problem, with some insurance companies raising rates sharply, limiting new business or leaving the state. This means it’s getting harder for people living in Texas to find good insurance for their homes and cars.
The Exodus of Insurance Providers from Texas: An Escalating Issue Read More »
