Insurance insights
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Your hail deductible is probably a percentage, not a number
Most Texas homeowners policies use a percentage deductible for wind and hail. It is calculated on the insured value of the house,…
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What the state minimum auto limits really cover
Texas requires 30/60/25 in liability coverage. That is the legal floor, and it was set with a different decade of repair and…
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A certificate of insurance proves less than people think
A COI is a snapshot, not a contract. It shows what was in force the day it was issued, and nothing about…