Home & Property Insurance

Insurance Companies Pulling Out of Texas – A Growing Concern


It happened in Florida following devastating hurricanes ravaged their state. The same in Louisiana following the unthinkable damage left in the wake of Hurricane Ida. Again, it would take place in California following wildfires. Now, in 2023, insurance companies pulling out of Texas has become a reality.

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What does TWIA insurance cost and what does it cover?


The average premium on a TWIA residential policy is approximately $2,000 (as of 6/30/2023).  To get the lowest rate your agent needs to check all factors and discounts like the WPI-8 certificate discount. The Texas Windstorm Insurance Association (TWIA) was established in 1971 to provide windstorm and hail insurance for Texas Gulf Coast property owners in…

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What is the difference between landlord and homeowners insurance in TX?


Landlord insurance and homeowners insurance serve different purposes and are designed for different types of property ownership. Here’s a breakdown of the primary differences: Purpose Differences: Homeowners Insurance: It’s designed for properties where the owner resides. It covers the structure, personal property, and usually includes liability protection for the homeowner against accidents that may happen…

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How does my mortgage escrow work and how does it pay my home insurance?


When you have a mortgage, your lender might require you to set up an escrow account to ensure that property taxes and homeowner’s insurance are paid on time. Here’s how the process typically works: Setting Up the Escrow Account: When you close on your home, your lender will often set up an escrow account for…

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How to get a WPI-8 certificate to lower your TWIA Windstorm Insurance

In Texas, the WPI-8 certificate, often referred to as the “Windstorm Certificate” or “Windstorm Inspection Certificate,” is a document that shows a particular building or structure has been inspected and certified to meet the windstorm building code requirements set by the Texas Department of Insurance (TDI). These requirements are designed to ensure that structures are…

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Is Texas a good place to move to? List of the best Texas cities to live in


Whether or not Texas is a good place to move to depends on individual preferences, needs, and circumstances. Texas offers a variety of benefits and opportunities, but it also comes with its set of challenges. Here are some pros and cons to consider when thinking about moving to Texas: Pros of moving to Texas: Economic…

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Is flood damage covered by home insurance in Texas?

need-flood-insurance information auto car

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…

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Are 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…

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List of Ideas to Save Money on Texas Property Taxes


Property taxes can be a significant expense for homeowners in Texas, as they fund local services like schools, roads, and emergency services. While you can’t completely escape this obligation, there are ways to potentially reduce your property tax burden. Here’s a list of ideas to consider: Homestead Exemption: Texas offers a homestead exemption that can…

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Types of Texas Homeowners Insurance Policies ie ho-3 ho 2 etc

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 Guide:…

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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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