Guides
Vacant Home Insurance in Texas: Coverage Between Tenants, Flips, and Estates
Standard policies cut vandalism, theft, and glass coverage after 60 vacant days. How Texas owners insure homes between tenants, during flips, and in estates.
Clay Crockett
Articles by Clay Crockett
Guides
Umbrella Policy vs LLC for Texas Rental Properties
A $1 million umbrella runs $150 to $300 a year, but it generally will not cover a rental owned by your LLC. How to layer insurance and entity protection.
Comparisons
TWIA vs Private Windstorm Insurance on the Texas Coast
TWIA insures 55% of residential wind exposure on the Texas coast at an average $2,541 premium. Here is when a private windstorm policy beats it.
Guides
Texas FAIR Plan: What the Last-Resort Policy Actually Covers
The Texas FAIR Plan grew from 66,512 policies in 2021 to 124,445 in early 2026. Here is what the last-resort policy covers, what it excludes, and how to leave.
Comparisons
Proper vs Steadily vs Obie: Which Rental Insurer Fits Your Property
Proper insures short-term rentals on a Lloyd's-backed commercial form, while Steadily and Obie write dwelling fire policies. The structure decides the fit.
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.
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.
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
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.
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
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.
Guides
What Landlord Insurance Covers and Costs in Texas
Texas landlord insurance averages $1,584 to $1,714 per year, and this guide explains what a DP-3 policy covers, what it excludes, and how it differs from homeowners insurance.
Guides
What Homeowners Insurance Costs in Texas in 2026
Texas homeowners pay about $4,380 a year on average for home insurance, roughly 50 percent above the national average, and rates are projected to keep climbing in 2026.
Guides
How Wind and Hail Deductibles Work in Texas
Texas wind and hail deductibles are a percentage of your dwelling coverage, not your claim. Here is what that means in dollars, and how TWIA and roof schedules fit in.
Posts
How to Compare Home Insurance Quotes
A step-by-step method for comparing home insurance quotes on coverage, not price, so the cheapest quote does not leave you underinsured.