Why Minimum Limits Can Leave Texas Families Exposed Most people assume that if they have car and home insurance, they’re “covered.” But what many Texas families don’t realize is that minimum liability limits are often nowhere near enough when a serious…
Jewelry isn’t just valuable — it’s personal. Whether it’s a wedding ring, heirloom necklace, or designer watch, these items often exceed the protection limits of a standard homeowners’ policy. That’s why this is so important. A Personal Articles Policy (PAP)…
When you’re buying a home the traditional way, your lender will almost definitely require that you purchase insurance. Why? Home insurance provides financial protection for you, which in turn provides investment protection for your lender. Even new homeowners tend to…
According to the 2023 Business Impact Report from the Identity Theft Resource Center (ITRC), 73% of small businesses experienced a cyber attack in the past year, and many of them didn’t have the resources to recover fully. The impact of…
First-time home buyers made up 32% of all home buyers last year. It’s an exciting time to own a home, but it is also important to properly insure your future. It’s not just a box to check off your to-do…
Does your personal auto insurance cover rental cars? When you’re renting a car, it’s easy to assume that your existing policy has you covered. But the reality can be more complicated – and costly. The last thing anyone wants is…
Understanding the Basics of Commercial Insurance Audits You’ve taken the time to secure business insurance coverage for your new company, and you feel good about being protected. But now, you’re facing something unexpected — an insurance audit. If you’re like…
Do I Need Coverage for My Windshield? Driving in Texas means navigating through cities filled with ongoing construction, which brings dust, debris, and flying rocks into the path of vehicles. Windshield damage isn’t just a possibility; it’s almost inevitable. Windshield…
Before we discuss what smaller factors can change your car insurance rates, let’s talk about the requirements, which also make an impact. Texas State requirements State coverage requirements can make a big impact on your insurance rates. Each state has…
If it’s not bad enough that you just had a car accident, not only do you need to figure out what to do, but you also have to worry about how you are going to get around now. Do you…
