Straight talk on coverage, rates, and risk, written for Texas homeowners and business owners.
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.
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.
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.
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.
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.
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.
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.
