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Can You Have Two Different Home Insurance Policies on the Same House?
You can insure the same home with two different policies, but the real question is whether you should. For most homeowners, doubling up on coverage doesn’t double your protection. Instead, it usually creates extra paperwork, slower claims, and higher premiums without meaningful benefits. In this guide, we’ll walk through how dual policies actually work, why…
Read MoreSecond Home Insurance in Texas: A Complete Look at Coverage
Owning a second home comes with insurance needs that your primary policy won’t cover. Whether it’s a lake cabin, beach condo, or rural getaway, Texas doesn’t require second home insurance, but lenders do, and these properties face higher risks from vacancy, weather, and location. Our guide breaks down how second home insurance works in the…
Read MoreDoes FEMA Flood Insurance Cover Second Homes? What Homeowners in Texas Should Know
Many Texans assume FEMA will repair or rebuild their vacation home after a flood, but that’s not how government assistance works. If you own a lake house, beach condo, or investment cabin, FEMA will not step in with grants after a disaster. Your second home needs its own flood insurance policy because FEMA assistance only…
Read MoreCan You Change Insurance Agents Within the Same Company?
You can switch insurance agents without changing companies by submitting a Broker of Record letter. Your coverage stays the same while your new agent handles service and support. It’s a simple way to get better communication, guidance, and overall insurance experience.
Read MoreTexas High-Value Luxury Home Insurance Costs and Coverages
Homeowners insurance for high-value homes is a great option for higher-valued properties because the needs of such estates are normally a bit different. There are more things to cover and materials that cost more and are unlikely to be covered by a standard home insurance policy. It can also help with unique circumstances including covering issues with staff that live and/or work within the home, creating higher coverage options for specific collectibles such as jewelry, and even allowing for the creation of trusts.
Read MoreComprehensive Guide to Flood Insurance in Texas: Protecting Your Home from the Unpredictable
In Texas, as in most parts of the U.S., standard homeowners insurance policies do not cover flood damage caused by external sources, such as heavy rains, storm surges, or the overflow of rivers and lakes. If you want protection from flood damage in Texas, you typically need to purchase a separate flood insurance policy. Here…
Read MoreThe 10 Best Places To Live in Texas When You’re From Cali
Are you looking to recapture the art and tech you know and love in Silicon Valley? Maybe you’re looking to find another refuge in a new wine country. Of course, you might be looking to keep your toes in the sand, or you might just be sick of the mess and seek a concrete jungle to conquer. No matter what your situation, these are some of the best cities to live in Texas when moving from California.
Read MoreAre Solar Panels Covered by Insurance in Texas? Full Explanation
Yes, many homeowners’ insurance policies do cover solar panels, but the exact nature and extent of that coverage can vary widely. Here are a few points to keep in mind: Part of the Dwelling or Personal Property: Depending on how the solar panels are installed and attached, they may be considered part of the dwelling…
Read MoreEleven Ways To Lower Your Housing Expenses in Texas
How much does a house cost? The true cost of home ownership goes far beyond the price you pay for purchasing your home. The average cost of owning a home continues to rise and there are important considerations homeowners and prospective homeowners should be aware of.
Read MoreTexas Home Insurance Policy Cancellations, Non-Renewals & Lapses
It’s also important to understand the differences between a cancellation and a non-renewal. But both can create a home insurance lapse, something all homeowners in Texas will want to avoid for many reasons.
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