Home Insurance

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 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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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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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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Everything you need to know about the home insurance claims process


Home insurance claims can be a bit daunting if you’ve never navigated the process before. Here’s a comprehensive overview: 1. Understand Your Policy: Before you can file a claim, it’s essential to understand what your policy covers. Most standard homeowners insurance policies provide coverage for: Dwelling (your home’s structure) Other structures (sheds, fences, etc.) Personal…

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The History and Meaning of the term “Hazard Insurance”


“Hazard insurance” refers to insurance coverage that protects property owners against damage caused by natural disasters, such as storms, fires, earthquakes, and floods. The term “hazard” in this context represents anything that can cause damage to a property. The term can mean different things to different people, so whenever hearing the words “hazard insurance” in…

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Does Texas home or landlord insurance cover rodent damage?


Home insurance policies can vary in terms of their coverages, exclusions, and limits. In Texas, as in many other states, standard homeowners insurance policies typically do not cover damage caused by rodents (such as rats, mice, and squirrels) under their basic terms. Here are some reasons why: Maintenance Issues: Insurance often considers rodent infestations a…

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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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