The Insurance for Texans Blog

How Direct Primary Care Works with Health Insurance

Direct primary care and health insurance seem to be at odds with each other, but is that really the case? About a year ago, I was diagnosed with a ...

What Does General Liability Do For My Texas Business?

In the vast and diverse business landscape of Texas, safeguarding your enterprise like we protect against hailstorms is paramount. One of the key ...

What Is The Difference Between General Liability And Professional Liability?

As businesses evolve and grow, their needs change. Just like many other Texas businesses, Insurance For Texans started from virtually nothing but a ...

How Does Location Affect Property Insurance In Texas?

Howdy, y'all! Grab your sweet tea and gather 'round because today, we're diving into a Texan truth that's as big as the Lone Star State itself: ...

Does My Business Insurance Cover My Inventory?

Imagine a thriving local Texas bicycle shop, widely recognized for its unwavering commitment to customer service and the exceptional quality of its ...

Can Doctors Be Sued For More Than Their Malpractice Policy Limits In Texas?

There is a trend that is growing nationwide for physicians to take back their practices and have direct contracts with their patients while ...

What Does A Maximum Benefit Mean On A Health Insurance Policy?

As we continue our look at the various Health Plans available to Texans today, it's important to keep in mind the important pieces of the costs of ...

Who Is Catastrophic Health Insurance Right For?

With the budgets of Texans tightening as we all experience the effects of the higher cost of EVERYTHING, many families young and old are looking at ...

Why You Should Consider Portability in Your Health Insurance Plan

As a digital nomad, entrepreneur, or self-employed individual, you have the freedom to create your own path and work from anywhere in the world. ...

What Can I Do If My Insurance Company Forces Me Into Having Actual Cash Value On My Business Roof?

The insurance marketplace for commercial property in Texas is currently experiencing a state of upheaval. This is primarily due to the challenges ...

What Can My Texas Business Do If My Insurance Company Requires A Large Hail Deductible?

As a business owner in Texas, you are no stranger to the dynamic and sometimes unpredictable weather conditions that come with living in the Lone ...

What Can I Do If My Insurance Company Drops Hail Coverage On My Policy For My Texas Business?

In recent weeks, many Texas business owners have received their commercial insurance policy renewals in the mail. And many of these renewals can feel ...

Why Does My Business Need Hail Coverage If I Rent My Space?

The Texas summer has been long and hot. Almost historic when looking at the number of days that it has felt like the surface of the sun. As the ...

When Is Texas' Hail Season And How Does It Affect My Business?

There is mass chaos afoot in the Texas insurance landscape right now. The claims caused by catastrophic hail storms all across the state this year ...

Why Would Texans Choose Catastrophic Health Insurance Over Other Options?

In the ever-evolving landscape of healthcare, Texans are on the hunt for innovative ways to navigate rising costs and secure affordable health ...

Is it Bad To Pay Cash for Healthcare Rather Than Using Health Insurance?

As we gear up for the end of the year and navigate open enrollment season health insurance, the team at Insurance for Texans believes it's high time ...

Top Three Operational Risks To Your Business From A Cyber Attack

In a Texas where technology plays an integral role in businesses of all sizes, the threat of cyber attacks has never been more pressing. From large ...

What's The Most Important Factor On A Health Insurance Policy?

As the summer hangs on with the triple digit temps into September, it's hard to imagine that it is almost time for millions of Texans to begin ...

Navigating Commercial Insurance: Expertise and Representation Matter

With all of the chaos in the insurance marketplace, business owners are being bombarded by insurance agents asking for their business. We admit that ...

Insurance Carrier Service Centers: Where is my Agent?

Today, we're diving into a significant shift within the insurance industry landscape that you should be aware of. While we're excited to share some ...

How Do Private Health Plans Keep Premiums Lower?

As monthly premiums soar and maximum out-of-pocket costs on health insurance policies continue to rise, the total cost of health insurance is getting ...

How Can I Get A Group Health Plan For My Business?

As the employment market in Texas has continued to tighten for employers and become overly competitive for top talent, smaller businesses that have ...

What Are My HIPAA Concerns With A Cyber Incident?

If you own or run a dentist practice, medical office, chiropractic office, or other business that collects or handles healthcare data in conjunction ...

Which Health Plan Is Better Between An HMO or PPO?

When it comes to choosing the right health insurance plan, Texans buying individual coverage must navigate through a variety of options. Sifting ...

How Do I Compare Two Different Health Plans?

In the realm of health insurance, navigating the various plans and options available can feel like traversing a complex maze. Insurance For Texans is ...

Unfortunately, the threat of cyber attacks looms large over individuals, businesses, and organizations of all sizes. It seems like there is a new ...

I’m a big consumer of Texas’s own Blue Bell Ice Cream. I love all their flavors and the goodness they put into every pint or gallon of creamy ...

Insurance Value - The Promise Of Certainty

At Insurance For Texans we understand the concerns and challenges you face in the ever-changing landscape of inflation. In a world where costs seem ...

Most Texans could not tell you what the Consolidated Omnibus Budget Reconciliation Act is, but they sure do rely on it. The Consolidated Omnibus ...

Why Are Health Insurance Networks So Important In Texas?

In the complex world of health insurance, it can be easy to get lost in the jargon and technicalities. However, one aspect that should not be ...

In this period of inflation, Texans everywhere are looking for ways to save money. Health care costs have become a major line item in family budgets ...

What Makes A Great Commercial Insurance Application?

Commercial insurance is an important aspect of protecting your Texas-based business from potential risks and financial losses. Whether you own a ...

How Much Does Health Insurance Cost Per Month In Texas

The fourth quarter has always been a traditional time to evaluate household items like health insurance, but the Open Enrollment period of the health ...

What Is a Maximum Out of Pocket on Health Insurance

When considering health insurance plans, it is important to understand the financial implications of your coverage. One key aspect to consider is the ...

Texas Law On Waiving Insurance Deductibles

When we first published this article on the "new" Texas law that went into effect in September, 2019 there was a lot of chatter about roofing ...

How To Save Money On Short Term Medical Plans

When talking with a potential client the other day who was very frustrated about having to pay too much on her health insurance, we explored what is ...

In a prior article on our website about inexperienced commercial agents, we explained why many licensed insurance agents are moving away from ...

Inexperienced Commercial Agents: A Threat To Your Businesses

As recessionary pressures have mounted on both consumers and businesses, we have begun to see certain trends occur in both insurance companies and ...

When it comes to understanding the intricacies of health insurance, it's important to familiarize yourself with common terms and concepts. One such ...

What Is A Health Insurance Deductible & Why Do Texans Obsess Over It?

With the second half of the year beginning, we are careening towards open enrollment for health insurance plans at what feels like warp speed. After ...

The Basics Of Cyber Insurance: Combining First and Third-Party Liability Coverage

Businesses are facing an increasingly significant threat that can cripple their operations and damage their reputation—cyber attacks. As the ...

Why Does My Commercial Lease Require General Liability Insurance?

If you are a business owner who rents space, you may be wondering why your landlord requires you to carry general liability insurance. After all, ...

What is Professional Liability Insurance?

Professional Liability Insurance, also known as Errors and Omissions Insurance or Malpractice Insurance, is a form of insurance that provides ...

Does My Cyber Insurance Cover A Malware Attack?

If you run a legitimate business in Texas today, you use a computer. Somewhere. We all do. Sure, you may still operate on a cash only basis, but ...

Unforeseen medical emergencies can have devastating financial consequences, which is why having health insurance coverage is important for all ...

Businesses today face numerous risks when it comes to data theft. From ransomware attacks and malware infiltrations to social engineering tactics and ...

Why You Can't Operate A Business Without Cyber Insurance

If your business is like ours, we communicate constantly via email, chat, text, messenger, and just about anything that is not a phone call. One of ...

Want to eliminate your massive health insurance deductible for a few dollars a day?

If you've been paying any amount of attention over the last decade, you've noticed that the annual deductible on your health insurance has been ...

When Is It Best To Not Use Prescription Drug Coverage?

Managing the cost of prescription drugs can be a daunting task for many individuals, especially those with chronic conditions requiring long-term ...

Learn How Health Savings Accounts Can Lower Your Health Insurance Premiums!

Time to be real Texas! Health insurance is ridiculously expensive. There’s no way to sugarcoat it. it doesn't matter if you live in Amarillo, Austin, ...

Proactive Strategies to Lower General Liability Insurance Premiums

As a business owner, it's essential to protect your company from unexpected risks and liabilities. General liability insurance plays a crucial role ...

How To Change Your Insurance Agent Without Changing Your Policy

Whether you're a home owner or a business owner, Texans are making choices everyday about where to get services to make our lives go smoothly. We are ...

Why Your Texas Business Needs Cyber Business Income Coverage

The success of any business depends largely on the ability to generate a consistent income. Whether you're a dental office, manufacturer, or law ...

What is the health marketplace and how do I use it?

The Health Marketplace, also known as the Health Insurance Marketplace, is an online platform established by the Affordable Care Act (ACA) to help ...

Early Retirees Need Supplemental Health Insurance To Lower Total Cost Of Care

What is Supplemental Health Insurance? For early retirees in Texas who are not yet eligible for Medicare, the cost of healthcare can be daunting. ...

Texas Storms Bring Out True Heroes. Let us advocate on your behalf.

Over the past week, all parts of Texas have seen many storms. Tornados, high wind, hail, and lightning have become the norm this early Summer whether ...

Nobody Likes To Talk About Life Insurance

In the United States, more than five people die every minute of every day. It's just a fact of life that many Texans don't like to talk about or ...

Prescription drugs are a necessary part of many people's lives. This is easily understandable when you think about the amount of commercials you see ...

Understanding the Four Parts of Rate Chaos in Insurance Premiums

As a Texas homeowner, you may have noticed a significant increase in your insurance costs lately. You're not alone in wondering why insurance rates ...

Why Do Texans Hate Health Insurance Deductibles So Much?!

Everyone hates them when it comes to their insurance…especially health insurance. In the last decade Texans have seen such drastic increases in both ...

One of the most often asked questions from Texans as they are looking to secure their individual health insurance plans when leaving ...

As the summer break comes to an end and a new school year approaches, Texas public school teachers are busy preparing for back-to-school. Along with ...

What is COBRA Health Insurance? As you approach early retirement in Texas, one of the biggest concerns that may be weighing on your mind is health ...

As early retirees in Texas, it's crucial for couples in their 60s to have access to quality health insurance coverage that fits their needs and ...

Reinsurance is the invisible force impacting your insurance premiums

Insurance is a fundamental aspect of our lives, providing us with financial security and peace of mind. However, have you ever wondered why insurance ...

If you are a Texas business owner who leases space, it's crucial to be aware if your business owners policy includes coverage for Tenants ...

Do you need an insurance agent? The better question is why do you need an insurance agent?

Does My Law Office Need Cyber Liability Insurance?

In today's digital age, businesses are increasingly reliant on technology to store and manage sensitive information. Law firms are no exception to ...

Private companies need Directors and Officers Insurance to protect their leadership team in case of lawsuits. Discover why this coverage is critical for your business.

Director and Officers Insurance Coverage, aka D&O insurance, is a liability insurance created to safeguard a company's directors and officers ...

The Basics of Business Insurance - Property Coverage

Whether you own or rent your business location, business property insurance (also known as commercial property insurance) is a vital part of your ...

Whether you own an auto repair shop, a retail store, an accounting office, or many other Main St businesses here in Texas, a business owner's policy ...

There's no denying the fact that buying a home is one of the most significant investments Texans will make in their adulting phase of life. However, ...

How Limited Benefit Health Plans Can Help You Reduce Your Healthcare Costs

With health care costs continuing to skyrocket, many Texans attempting to retire a couple of years early are feeling the financial burden that comes ...

Congratulations on deciding to and being able to retire. You've spent a lot of blood, sweat, and tears to get you here, working and saving your ...

If your business creates physical products for other businesses or consumers, odds are that your company depends on different types of machines and ...

Does your manufacturing line rely on automation? Have you automated the process to make your business more efficient and profitable? Many of our ...

Invoice manipulation is one of the hottest trends in cyber crimes currently against businesses. Cyber criminals have discovered it as a more covert ...

Phishing is a type of cybercrime in which attackers attempt to trick individuals into revealing sensitive information, such as passwords, financial ...

How Do Early Retirees Get Health Insurance Without Having A Job?

Retiring early is a dream for many Texans. Since the COVID lockdowns of 2020 and the subsequent craziness in the employment market, the number of ...

Why Do Manufacturers Need Cyber Insurance?

In today's interconnected world, manufacturing risks go beyond just physical dangers on the factory floor. Cyber Security threats are increasingly ...

A ransomware attack is a type of cyber attack in which a hacker infiltrates a computer system or network and encrypts the data, making it ...

How much Cyber Liability Coverage Does Your Business Need?

It is crucial that your business has enough cyber liability insurance to protect it from cyber threats and data breaches, as the costs of recovery ...

Cyber liability insurance is a type of insurance that helps businesses protect against the financial consequences of data breaches, cyber-attacks, ...

We live in an era of increased cyber threats, but many businesses and individuals are still not aware of the risks they face. What is cyber ...

Common Misconceptions About Cyber Liability

As cyber threats increase, so does the need to protect businesses from potential losses. The number of cyber attacks is on the rise and these ...

Businesses questioning "when is the right time to get cyber insurance?" should make the move now. Cyberattacks are a growing problem, with the ...

Builder's risk insurance policies, otherwise known as course of construct coverage, protect a person's or organization's insurable interest in ...

When reviewing your dental office insurance policies, it is important to consider several different water insurance coverages that need to be ...

It's not difficult at all to think of large corporations that have been involved in major breaches of their private customer data. These ...

If you insure any type of commercial property, building, or contents, it is typical that your policy will include a coinsurance provision. With ...

Over the last few weeks the single most asked question when we chat with real life Texans is why in the world is my home, auto, business, or fill in ...

Texans love to brag. But it's not really bragging if you are just that good! New Years gives us a chance to brag about all the changes we have slated ...

Why Do I Need Employment Practices Liability Insurance?

Running a business has enough challenges for any business owner. And with the inflation and employment situation that we currently find ourselves in, ...

You're the owner of a Texas business and you need to make sure that there is still enough money coming in during a time when it seems like everything ...

As a business owner, you have a variety of regular costs you incur, all in the hope of regularly turning a profit.

In an age when people share just about anything personal online, there are still several bits of information that give us pause before sharing.

The news headlines about the increase in building costs have been plentiful over the last few weeks. This time last year building a deck on the back ...

Why Won't My Insurance Coverage Replace My Roof?

Weathering a global pandemic over the last year and an epic winter storm last month seems a tall order. The upcoming spring storms in Texas will ...

Taking care of your primary home is a challenge in itself.

Don't Let Your Coverage for Water Damage Put You on Thin Ice

If you're new to the Lone Star State, you are probably witnessing for the first time the identity crisis that is known from the panhandle to the ...

Nobody likes to be denied something they think they should or need to have.

Exclusions on a home insurance policy named open perils

In life, there are good surprises and not-so-good surprises.

Rebuild Your Home With Enough Insurance Dwelling Coverage

Don't let the title of this post fool you. We want to make sure you can say, "I CAN afford to rebuild my home." We've said it before and we'll say it ...

The agents at Insurance For Texans are constantly speaking with home owners and the insurance companies that protect their largest asset. We field ...

Personal Belongings Replacement Cost or Actual Cash Value

Nobody wants to think about a major catastrophe involving your home. Yet, knowing bad things happen from time to time regardless of where you live, ...

Flood insurance. When buying a home, purchasing insurance to cover flooding may not exist high on the radar unless you've grown up in an area known ...

3 Mistakes Homeowners Make With Their Insurance

While you can expect an insurance agency to care a lot about the details of insurance, chances are, you don't want to spend much of your time ...

Everything is bigger in Texas, even the propensity for master planned communities to pop up no matter which location of the great state you live in. ...

One of the first questions we receive from Texas homeowners when talking about their home insurance policy is, "What is my deductible going to be?" ...

We are used to hearing, "Why is home insurance so expensive in Texas?" Those having joined us from out-of-state love many cost savings found here in ...

Insurance For Texans had a conversation with a Grapevine home owner about his home insurance policy recently (that happens quite a lot actually) and ...

We may be beyond hail season. But, this is Texas, so we never know for certain. We receive a ton of phone calls over the course of a given hail ...

You're fed up with rate increases on your home insurance premium and plan to shop for a new insurance carrier. Then you get reminded of the home ...

It's not uncommon for Texans to start small businesses out of their homes. We are a "can do" type of people here. Even if it's a second job, a gig, ...

It's not uncommon to hear about breaches of credit card numbers, personal identification data and passwords these days. Thieves are more ...

Have you ever looked at your Grapevine home insurance policy and come across a line items that you had no idea about? It's not uncommon. Home ...

Dwelling amount is always the first line items Texans see when looking at their home insurance policy. This number can be confusing as it is often ...

Many people from other states have heard the sirens call of Texas, landing in parts all over the state where new construction has boomed in record ...

We help homeowners of all backgrounds, shapes and sizes with their home purchase process. That's one of the thing Insurance For Texans actually ...

As we see more hail damage here in North Texas, insurance companies have found new ways to decrease the cost of claims. They accomplish this through ...

At Insurance For Texans, we certainly handle a lot of questions revolving around uncertainty. It's fun for us because we are in the business of ...

We see some stranger things here at Insurance For Texans. It's not just the crazy Facebook memes that abound with video evidence of cars that ...

Self-storage units are plentiful in the DFW area. So are the questions about what to do to insure them. We'll say it again, a good answer is . . . it ...

Texas-sized storms really get things moving around D/FW. You've witnessed these tree-shaking, limb-breaking, uplifting-trampoline-staking storms ...

We prepare a lot of insurance quotes here at Insurance For Texans and a lot of those are for Grapevine homes. How do we do this? The first step is ...

The mark of a true Texan's backyard is no longer 12-acres, horses, and a dozen head of steer. No, true Texans these days have more domesticated ...

If you've lived in Texas for awhile and not had to file any insurance claim, congratulations! Hail here in the northeastern part of the state, ...

The last thing you want to do after a total damage claim is find out your policy won't pay enough money to rebuild your home. It's adding disaster ...

One of the most popular subjects to homeowners discuss with Insurance For Texans is deductibles. For many, they are worried about their wind and hail ...

No Texan wants to use their insurance. It means something negative has happened in their life. The best insurance that we can provide to you is the ...

Because we can expect late season storms in Texas, we aren't surprised by calls concerning tornados. Yes, even here in Grapevine. This is the side of ...

Insurance left to the uninformed can become very confusing, very fast! There is a lot of detail to weed through and if you don't know what questions ...

Our agents at Insurance For Texans answer a multitude of questions related to claims. As an independent insurance agency that just so happens to be ...

Hail. Like death and taxes, some things in life are inevitable. Hailstorms blow through North Texas each spring and sometimes, just to keep it fun, ...

Mission Control for Insurance For Texans is located on Main Street in Colleyville, Texas. In-between a mixed used development of retail, office, and ...

When quoting Grapevine home insurance, our agents at Insurance For Texans look to determine dwelling value first. It's predictable. Homeowners often ...

In Texas we know less is sometimes more. Less development probably means more land to enjoy. Less busy often means more quality time. Less worry ...

There's no argument, Grapevine home insurance does get expensive. The policy premiums can resemble a fast-track to Costly-ville. We get calls all the ...

With the rain finally taking a couple of days off here in North Texas, we are beginning to creep towards the brutal sun of summer. The temperatures ...

Searching for homeowners insurance companies in Grapevine usually equals people looking for the best rates. Price usually brings people to the door, ...

You may have concerns as you go through the claim process. After all is said and done, question may arise. Will your premium go up? Could your policy ...

The late 90's and early oughts brought to light the ugliness of black mold.

When the spring storms and their gnarly hail pound Texas roofs, every "Chuck in a truck" that owns a roofing company hits the neighborhoods in hope ...

The worst part about having home insurance other than paying for it is when you have to file a claim. It involves inconvenience, time, patience and ...

Bluebonnets are blooming and you know it's spring in Texas. You'll start to hear more people take to their backyard these days, especially in ...

As an independent insurance agency, Insurance For Texans has spoken with thousands of homeowners over the years, including many in Grapevine. We've ...

Whether you live in Grapevine or not, we think it's great when we hear from Texas homeowners and learn they do not carry a mortgage on their home. ...

Claims go up, rates go up. That's the relationships. We field a lot of questions about this and it makes sense. People are curious about whether the ...

Many Grapevine home owners have questions about how their home insurance policy premium rate gets determined. We like to give them a clue, pun ...

Spring hits Texas, trees bud and the bugs begin their crawling season. It's not unlikely for Texans to see termites swarm their home. Sounds like a ...

The shift is on in Grapevine, along with the majority of the D/FW Metroplex. We are on common grounds, and that ground is moving.

If insurance claims had a ranking in North Texas, hail would get the number #1 spot and would keep it year round. Hail dominates claims in North ...

Costs of home insurance policies are always a concern for Texas home owners. It doesn't help when premiums rise. Whether you live in or outside of ...

Home buying season is usually in full swing right now. There was no telling what the Covid-19 lockdown would do to the season, but we still saw ...

When you speak with people who have never visited or lived in Texas, sometimes you hear some wild speculations about what life is like here in the ...

Spring storms are coming? Do you hear them gathering? They will be here and they will be strong.

It's quite Texan to shop for better home insurance in Grapevine, and by better, we mean more cost effective and with the best protection in place. ...

At Insurance For Texans, we like to know why a possible new client in Grapevine is searching for new coverage with us. As you can imagine, the ...

Have you kept yourself updated on the price of the insurance you have on your Grapevine home?

There is no shortage of new construction around the state of Texas. A brand new home offers a great move-in experience where there's not much to do ...

We live in a fast-paced buyer-centric internet-loving world . . . and we like it. And we want more. Who doesn't like options when it comes to ...

When we talk about homeowners insurance for North Texas, we always begin with the most important foundational element. Dwelling amount coverage is ...

We field a lot of calls, emails and texts and Insurance For Texans. Across the board, one of the things we are asked the most is to help people ...

There's nothing wrong with asking your independent insurance agent if your homeowners insurance policy is replacement cost. We get it. You only want ...

As a homeowner in Grapevine, you don't want the following situation to happen. You notice water on the floor. It's an unexpected amount of water. Not ...

Spring is here. Baseball, wildflowers and seasonal allergies are upon us. Out of the south, winds will gather steam, giant clouds will dominate the ...

Texas is no stranger to earthquakes these days. The Great State has seen more earthquake activity in the North Texas in the last decade. Yes, even ...

We like to ask Texas homeowners about their jewelry collection. Why? Are we diamond dealers on the side? Hardly.

If you end up making a claim on a Grapevine home insurance policy, you will probably wonder how your claim will get settled.

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