Should You Bundle Home and Auto in Texas? What Coastal Owners Should Weigh
Bundling home and auto can save money in Texas, but coastal wind and flood coverage usually sits outside the package. Here is how to weigh it.
Aug 17
Insurance Insights
The BenefitExcel
The BenefitExcel
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Straight talk on coverage, rates, and risk, written for Texas homeowners and business owners.
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Level-Funded vs. Fully Insured Health Plans for Small Texas Employers
Level-funded health plans are pitched to small Texas employers as a cheaper alternative to fully insured coverage. Here is how the two structures actually differ, what compliance work moves onto you, and what to check before you sign.
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Home Insurance in Corpus Christi: What Drives Your Premium on the Coast
Coastal pricing is not one number. Here is what actually moves the cost of home insurance in Corpus Christi, and the seven things to check on your own declarations page this week.
Aug 16
What a Windstorm Certificate (WPI-8) Is and Why Your Roof Project Needs One
A windstorm certificate (WPI-8) is what proves your coastal Texas roof work met the windstorm building code. Here is how the process works and how to check your own property.
Aug 14
Why Your Mortgage Payment Went Up (It’s Probably the Insurance)
Your rate did not change, but your payment did. Here is how a homeowners premium increase moves through your escrow account months later, and what Texas homeowners can actually do about it.
Aug 13
Wind vs. Flood vs. Homeowners: Which Claim Pays After a Texas Hurricane
Wind, flood, and homeowners coverage are three separate promises. Here is which one responds after a Texas hurricane, and how to check your own policies before the next storm.
Aug 12
TWIA vs. Private Windstorm Insurance in Texas: How Coastal Homeowners Choose
If you own a home on the Texas coast, wind and hail are often excluded from your homeowners policy. Here is how TWIA works, when private windstorm coverage is the better fit, and how to tell which one you already have.
Aug 12
Captive vs Independent Agent: What is the Real Difference?
A captive agent works for one company. An independent agent works for you. See the real difference and why Corpus Christi buyers choose choice.
Jul 7