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.
Homeowners
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.
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.
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.
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.
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.
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.