Guides
ACV vs Replacement Cost Roof Coverage in Texas
Texas carriers often move roofs past age 10 to actual cash value. In our worked example, that cuts a $22,000 hail payout to $7,600. Here is the math.
PolicyCompared
Insurance, compared.
Latest
Roundups
Best Short-Term Rental Insurance in Texas (2026)
Independent comparison of Proper, Steadily, Obie, Foremost, and CBIZ for Texas hosts. Typical single-family STR coverage runs $1,000 to $2,000 a year.
Guides
Does Homeowners Insurance Cover Foundation Damage in Texas?
Texas policies exclude foundation settling, but a sudden slab plumbing leak is often covered, with insurer limits around 15% of dwelling coverage.
Guides
Does Landlord Insurance Cover Tenant Damage in Texas?
Accidental tenant damage from a covered peril is insured, wear and tear never is, and Texas law lets landlords deduct real damage from the security deposit.
Guides
Fair Rental Value Coverage: How Loss of Rent Actually Pays
Fair rental value coverage pays market rent, not lease rent, while a covered loss keeps a rental unfit — on a DP-3, up to 20% of the dwelling limit.
Comparisons
HO-A vs HO-B vs HO-3: Texas Home Insurance Policy Forms Explained
Texas wrote its own HO-A and HO-B policy forms until 2003. Most policies sold today are company-filed HO-3 variants, and the form decides what a claim pays.