(800) 253-1482Home & Property Insurance
How to Self-Insure Your Home in Texas: Is It a Smart Move?
Homeowners are always looking for ways to manage costs, and one question that occasionally comes up is whether it’s possible to self-insure your home. At first glance, skipping insurance premiums may sound appealing, but the reality is more complex. Self-insuring your home insurance coverage comes with extra financial resources, considerations, and responsibilities. Before considering this…
Read MoreHow Much Does Texas Landlord Insurance Cost?
The short answer: Typically about 15-25% less than standard homeowners insurance, with annual premiums ranging from $1,300 to $4,600 or higher, depending on the property type, location, value, and specific risks. For a standard single-family rental, expect averages between $1,800 and $3,000 per year. Coastal spots like Houston face steeper costs due to hurricane threats,…
Read MoreCan 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 MoreWhat does Texas homeowners insurance cover?
What does homeowners insurance cover? To put it simply, homeowners insurance is designed to repair, replace, or recover the value of what you currently have (under coverage) if it’s damaged due to any number of causes. Most common claims covered by insurance Your independent agent can help give you a clear, personalized picture of the…
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 MoreDoes Insurance Cover Hail Damage in Texas?
Hailstorms in Texas can seriously damage homes and cars in minutes. Homeowners insurance typically covers hail damage to your house, and comprehensive auto insurance can cover your vehicle. However, rising premiums mean it’s important to be strategic about filing claims. In this guide, we’ll explain how coverage works, when it’s smart to file, and tips to protect your property before the next big storm hits.
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