Texas Insurance Articles

Does switching home and auto insurance often raise my rates?


The Short Answer; Switching home and auto insurance frequently in pursuit of lower premiums might seem like a savvy financial strategy. However, this approach can sometimes backfire, leading to higher insurance costs in the long run by simply chasing teaser rates for new customers.  Insurance companies know your entire insurance history and how often you…

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Types of Texas Home Insurance Policies and Coverages

coverage options for texas homeowners insurance

Different types of Texas homeowners need different types of home insurance. Whether you’re a single-family homeowner, condo owner, mobile homeowner, or renter, there’s an insurance policy designed to protect what you own. We’ll explain what each home insurance policy type covers and how to make sure you get the coverage you need with this Ultimate…

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How Much Does Electric Vehicle Insurance (EVs) Cost?


Electric Vehicles (EVs) have become increasingly popular, and as their presence on the roads grows, there has been considerable interest in how they impact auto insurance prices. Here’s an overview of the relationship between EVs and auto insurance: Potentially Higher Premiums: Repair Costs: One factor leading to potentially higher insurance premiums for EVs is the…

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How much does raising deductibles save on home insurance in Texas?


Raising deductibles on your Texas home insurance policy can result in savings on your premium, but the exact amount saved can vary significantly based on several factors.  Most of the time, your home insurance deductible is based off of a percentage of your total coverage.  For example, let’s say you have a 1% deductible for…

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Raising my auto insurance deductibles, how much does it save in Texas?


The savings achieved by raising auto insurance deductibles in Texas can vary widely based on a myriad of factors. Here are some general considerations and steps to estimate your potential savings: Factors Influencing Savings: Type of Coverage: The savings can be different for collision and comprehensive coverages. Vehicle Value: Cars that are more expensive to…

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Types of Water Damage Coverages Available For Texas Home Insurance Policies


As the anniversary of Snowmageddon 2021 draws near, I find myself pondering the extensive water damage that occurred. While I may not have a foolproof guide to preventing pipe bursts in the absence of electricity or heat, it’s essential to understand the variety of water-related claims and their coverage status. Sudden and Accidental Leaks: Description:…

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How Comprehensive Insurance Protects Drivers in Texas

A tree that has fallen on a vehicle covered by comprehensive insurance.

Comprehensive coverage protects you from various random acts which can cause harm to your automobile outside of having an accident. For example, if you were to be hit by a vehicle, the guilty party’s liability coverage is there to restore your property and other bills such as legal and medical expenses.

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Can I change my insurance agent but keep my insurance company?


Yes, you can switch insurance agents for your auto, home, landlord and other policies while keeping the same insurance company. Many times bad service and experiences are the agent’s fault and not the insurance company’s; so customers may want to use a new agent with the same insurance company.  Here’s how the process generally works…

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Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769


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