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Eleven 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.
Read MoreDoes Home Insurance Cover Earthquake Damage in Texas?
In Texas, as in most other states, standard homeowners’, landlord, and mobile home insurance policies typically do not cover damage caused by earthquakes. However, homeowners can purchase a separate earthquake endorsement or a standalone earthquake insurance policy to cover such damages. If you’re considering earthquake coverage in Texas, keep in mind: Coverage: Earthquake insurance typically…
Read MoreTexas Umbrella Insurance Policy Facts
Umbrella Insurance is additional insurance that provides protection beyond present limits and coverages of other policies. It offers coverage for injuries, property damage, lawsuits, and personal liability situations. They also cover claims in excess of regular homeowners, auto, or watercrafts. Also, an Umbrella Policy covers other family members or household besides the policyholder. Is Umbrella…
Read MoreCompare Umbrella vs. Excess Liability Insurance in Texas
Summary: Umbrella and excess liability insurance both provide extra protection beyond standard policies, but they differ in coverage scope. Umbrella insurance offers broader protection, covering various liability risks, while excess liability extends existing policy limits without adding new coverage types. Texans should consider these options to safeguard assets against costly lawsuits, medical expenses, or property damage.…
Read MoreDoes 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…
Read MoreWhat Is a Wind Mitigation Inspection in Texas?
Homeowners insurance protects your home and property from a variety of weather-related perils. In Texas, these include damage from windstorms like hurricanes, tropical storms, or even tornadoes. While your homeowners insurance policy acts as a reactive measure if your house is damaged by wind, it shouldn’t be your only protection. On the coast of Texas, if you’re…
Read MoreRenting Out a Room in Texas: What Homeowners Need to Know
If you’re a homeowner in Texas looking to boost your monthly income by renting out a room, you’re tapping into a lucrative opportunity. However, this decision can significantly alter your insurance needs. Here’s what you should consider: Renting Out Your Home – Short-Term Rentals: If you’re renting out a room for short periods (e.g., a…
Read MoreTips for Filing Your Burst Pipe Insurance Claim in Texas
Even though your home insurance policy likely does cover burst pipes, it’s always a good idea to assess your specific policy with a licensed insurance agent, as everyone’s coverage may vary.
Read MoreThe 5 Best Home Insurance Companies in Waco Texas
When considering home insurance in Waco, Texas, homeowners are often looking for a combination of comprehensive coverage, excellent customer service, and competitive pricing. This article highlights the top five home insurance companies in Waco, based on these criteria. State Farm: As one of the largest providers of home insurance in the United States, State Farm…
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