Does your personal umbrella cover your rental houses? How Texas landlords line up DP-3 liability, required underlying limits, LLC ownership and umbrella coverage.
A hard freeze can burst a pipe in a North Texas home. What homeowners insurance usually pays, when heat and vacancy rules apply, and how to prepare for a freeze.
Employee theft, forged checks and fake invoices are usually not covered by property, GL or cyber. What commercial crime insurance covers for a Texas business.
Starting an expedite business with a cargo van in Texas? How for-hire authority, federal filings, liability limits, cargo and new-venture underwriting work.
Roofing is a hard class to insure in Texas. How height limits, storm work, subcontractors, completed operations and workers' comp shape a roofer's coverage.
A claim was filed against your surety bond. What the indemnity agreement says you owe, how a bond claim moves and what to do the day the surety's letter arrives.
Is your gooseneck covered if hail hits it or it is stolen from the yard? How owned trailers are scheduled, valued and covered on a Texas hotshot policy.
Who pays when a city requires code upgrades after a fire or storm? How ordinance or law coverage works for Texas commercial buildings, in its three parts.
Why did your workers' comp renewal go up? How a Texas experience modification factor is built from your claims, who has one, and what moves the number.
A dog bites a guest or a neighbor. What Texas homeowners liability coverage pays, how breed exclusions and bite history change it, and when limits run short.
If a fire or storm makes your Texas home unlivable, additional living expense pays the extra costs. What it covers, how long it lasts and how to claim it.
Hosting a holiday party or serving drinks at your business? How host liquor and liquor liability coverage differ for Texas businesses, and what to check first.
A driver delivers to a fake receiver. Does cargo coverage pay? How voluntary parting and fraud exclusions work for Texas carriers heading into holiday freight.
A finished job can still bring a lawsuit. How completed operations coverage works for Texas contractors, what takes it away, and what to check before you switch.
Hiring a sub without a certificate can raise your GL and comp audit and leave you holding the claim. How Texas contractors vet subs before the first check.
A Texas owner-operator's first day after a truck wreck: who to notify, what evidence to keep, what not to sign, how FMCSA rules may apply and who pays what.
Landlord insurance pays for sudden covered losses, not wear and tear or pet damage. What a Texas policy covers after a tenant leaves and what the deposit handles.
Own a commercial building you lease to a tenant? Learn what lessor's risk only covers, what the tenant insures, and where it differs from a BOP in Texas.
A package stolen from your porch is usually smaller than your deductible. Who to claim from first, when a homeowners or renters claim makes sense, what to check.
Renting a cabin or guest house by the night can fall outside a homeowners or landlord policy. See the gaps Texas hosts should ask about before the first guest.