Houston

There are a few questions in life that are more confusing than their answers. The blanket query into whether or not insurance follows the car or the driver in a particular jurisdiction is such a question — one we see regularly. It isn’t a dumb question. It is more like a MENSA brain teaser than […]

Many people believe that their homeowners insurance policy will cover flooding, but this is not true. Floods and earthquakes are common exclusions from homeowners policies and a separate flood insurance policy must be purchased if you want protection against this natural disaster. Is flood insurance necessary in the Houston area? Flooding has been a historically-documented […]

You might be wondering how Houston home insurance premiums are decided. Typically, each company has a slightly different formula that they use to create your premium, but the majority will include the following areas. Construction Type – What type of material was used to create your home (wood, brick, stucco, etc.) Location – Your physical […]

What Does Home Insurance Cover? Home insurance is a necessary protection for possibly the largest investment in your life. If you have recently bought a home and owe a mortgage, it is possible that your lender requires you to have home insurance. However, even if your home is paid in full, having an insurance protection […]