Insurance, in plain English
Straight answers on home, auto, and business insurance, written by a local Texas agent.
Towing a Boat or Trailer in Texas: Is It Covered by Your Auto Insurance?
Your auto liability extends to a towed trailer or boat, but it won't pay for damage to the boat/trailer itself. Here's exactly what's covered when you tow.
June 19, 2026 Business InsuranceDoes General Liability Insurance Cover Construction Defects? What Texas Contractors Need to Know
General liability and construction defects are widely misunderstood. Learn what GL covers, the faulty-workmanship exclusion, and when defect damage is paid.
June 18, 2026 Business InsuranceWhat Does Workers' Compensation Insurance Actually Cover? A Plain-English Guide for Texas Employers
Workers' comp covers medical bills, lost wages, rehab, death benefits, and employer's liability. See what it doesn't cover and how Texas non-subscriber rules work.
June 17, 2026 Auto InsuranceWhat Is Full Coverage Car Insurance? (And What It Doesn't Cover)
Full coverage isn't a real policy or legal term. Here's exactly what it includes, what it leaves out, and what Texas drivers actually need to be protected.
June 16, 2026 Auto InsuranceWhy You Need Uninsured/Underinsured Motorist Coverage in Texas
Texas has one of the highest uninsured-driver rates in the U.S. Here's how UM/UIM coverage protects you when the at-fault driver can't pay for your injuries.
June 15, 2026 Home InsuranceReplacement Cost vs. Actual Cash Value Roof Insurance: What Texas Homeowners Need to Know
RCV pays today's cost; ACV subtracts depreciation that hits roofs hardest. See how Texas roof schedules, recoverable depreciation, and cosmetic exclusions work.
June 14, 2026 Business InsuranceCommercial Auto vs. Personal Auto Insurance: When You Actually Need a Commercial Policy
Personal auto policies exclude business use and can deny claims. Learn the gray areas, hired & non-owned exposure, and when Texas businesses need commercial auto.
June 13, 2026 Insurance TipsDoes Umbrella Insurance Cover Everything? The Myth That Trips Up Most Texans
An umbrella policy doesn't fill coverage gaps or cover everything. Here's what a personal umbrella actually covers, what it excludes, and why it follows your underlying policy.
June 12, 2026 Home InsuranceCanyon Lake Homeowner's Guide to Lake-House & Flood Insurance
Lake homes, second homes, and short-term rentals around Canyon Lake carry risks standard policies miss. Here's how to insure a Canyon Lake property the right way.
June 4, 2026 Home InsuranceCondo Insurance (HO-6): What Your HOA Doesn't Cover
Your condo association's master policy stops at the walls. Here's what an HO-6 policy covers, how much you need, and why loss assessment coverage matters.
June 4, 2026 Insurance TipsDo You Need a Personal Umbrella Policy?
An umbrella adds $1M+ of liability over your home and auto for a few hundred dollars a year. Here's how it works and who should have one.
June 4, 2026 Home InsuranceRenting on the Guadalupe? STR Liability for Hill Country Hosts
Tubing season packs the Guadalupe and Comal rivers, and fills the area's short-term rentals. Here's the liability gap most Hill Country hosts don't know they have.
June 4, 2026 Home InsuranceHail Damage to Your Roof? What Texas Homeowners Should Do
Texas leads the nation in hail claims. Here's how to spot roof damage after a storm, the deductible that surprises homeowners, and how to handle the claim.
June 4, 2026 Home InsuranceHill Country Flood Season: Are You Covered?
Central Texas sits in 'Flash Flood Alley.' From Wimberley to Canyon Lake to Spring Branch, here's why your home policy won't help, and what actually will.
June 4, 2026 Home InsuranceNew Construction Along I-35? Insurance for Kyle, Buda, Schertz & Cibolo
The I-35 corridor is booming with new homes. Here's how to capture new-construction discounts and bundle smartly in Kyle, Buda, Schertz, Cibolo, and beyond.
June 4, 2026 Home InsuranceMobile Home Insurance in Texas: What You Need to Know
Manufactured and mobile homes need their own kind of policy, not a standard homeowners form. Here's what affects your rate and how to get covered.
June 4, 2026 Insurance TipsMoving to New Braunfels? Your Insurance Checklist
New to New Braunfels or the Hill Country? Here's a simple insurance checklist for your home, cars, and family, and the local quirks worth knowing before you sign.
June 4, 2026 Insurance TipsRenters Insurance 101: Why Texas Tenants Need It
Your landlord's insurance covers the building, not your stuff. Here's what renters insurance covers, what it costs, and why it's one of the best deals in insurance.
June 4, 2026 Business InsuranceInsurance for Your Texas Small Business: Where to Start
Starting or running a Texas small business? Here are the core policies most businesses need, and how to put them together without overpaying.
June 4, 2026 Auto InsuranceAdding a Teen Driver in Texas Without Breaking the Bank
A new teen driver is the single biggest jump most families see in their auto premium. Here's how to add them, the discounts to ask for, and how to keep costs down.
June 4, 2026 Insurance TipsWhy Use an Independent Insurance Agent?
Captive agent, direct website, or independent agency, what's the difference, and why does it matter for your rate and your claims? Here's the honest breakdown.
June 4, 2026 Business InsuranceWorkers' Comp in Texas: Subscriber vs. Non-Subscriber
Texas is the only state that lets most employers skip workers' comp. Here's what that really means for your business, and the risk of going without it.
June 4, 2026 Home InsuranceAirbnb Insurance: What Texas Hosts Get Wrong
Think your homeowners policy or Airbnb's AirCover has you covered? Most Texas short-term rental hosts have a dangerous gap. Here's what real STR coverage looks like.
June 3, 2026 Auto InsuranceHow Much Car Insurance Do You Really Need in Texas?
Texas requires 30/60/25 liability, but the legal minimum often isn't enough. Here's how to think about coverage limits so you're protected without overpaying.
June 3, 2026 Insurance TipsBundling Home and Auto Insurance: How Much Can You Save?
Bundling your home and auto policies is one of the biggest discounts in insurance. Here's how it works, what it saves, and when it's worth it.
June 2, 2026 Home InsuranceDo You Need Flood Insurance in the Texas Hill Country?
Your homeowners policy doesn't cover flood, and the Hill Country floods more than people think. Here's how to decide whether you need a separate flood policy.
June 1, 2026 Auto InsuranceSR-22 Insurance in Texas: What It Is and How to Get One Fast
An SR-22 isn't insurance, it's a filing that proves you carry it. Here's what triggers one in Texas, how long you need it, and how to get filed the same day.
May 28, 2026 Home InsuranceUnderstanding Your Wind & Hail Deductible in Texas
Most Texas home policies carry a separate, percentage-based wind and hail deductible. Here's how it works, what it costs you at claim time, and how to plan for it.
May 20, 2026Ready for a quote that actually fits?
Tell us what you need. We’ll shop the market and get back to you fast, no pressure, no jargon.