The Insurance for Texans Blog

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 ...

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 ...

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 ...

What is a roof payment schedule and why do I care?

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

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 . . . ...

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.

"Do I need all this 'stuff' on my home insurance policy?" We often hear this question from Grapevine homeowners. Our answer is "Maybe". While that ...

Many homes in Texas are purchased between Easter and Halloween. As a result, a lot of homeowner insurance policies come up for renewal during that ...

Do you know the best home insurance we sell here at Insurance For Texans? It's the kind where you never make a claim. This equals nothing bad ...

Grapevine, Texas weather is like a box of chocolates. Sometimes you don't know what you're going to get, but you know what kind of weather we can ...

Once Insurance For Texans enacts a Grapevine Home Insurance policy for a homeowner, we intend our conversations will be those where we are just ...

Searching on Google for Grapevine Home Insurance quickly yields results on the search engine results page showing you advertisements and listings ...

If you are a Grapevine homeowner, you have more options to homeowners insurance than you might think. Sure, you can search online and have a policy ...

It's almost trendy to do things on the cheap these days. In the days of tiny homes, Über and discounts to be found everywhere, why wouldn't one ...

Insurance For Texans will receive our fair share of calls from homeowners wanting to know about potential policy claims on their Grapevine home.

Sewers present a stinky situation in most cases. They especially create a stink when they backup into your home.

Extended Replacement Cost is one of the line items you should consider immediately when evaluating optional coverages on your Grapevine Home ...

Do you know what a cure for insomnia is for most people? Talking about Building Ordinance coverage, that's what. That's not the case at Insurance For ...

So the hail storm may blow in and destroy your roof on your home. Now what?

Some of the situations your Grapevine homeowners insurance protects you from are predictable. It's going to hail in Texas. Then there are those ...

It doesn't matter how long you've had homeowners insurance in Grapevine, but you may have noticed insurance can become convoluted and expensive. That ...

It's easy for Grapevine homeowners to focus on what it would take to rebuild their home in the case of a loss. Knowing your policy dwelling amount is ...

We don't say the word dwelling very often these days. Honestly, it sounds a little old-fashioned. Couple that with the topic of insurance and the ...

Ever since last Christmas came and went, you've probably seen grocery store shelves packed top to bottom for Valentine's Day.

Somewhere over the last 54 years, you became aware of what has now become the largest sports spectacle known to the world. Some of you may have ...

What Can the Death of Mr. Peanut Teach Us About Life Insurance?

After 104 years of service for the Planters snack company, Mr. Peanut is gone. Many are shell-shocked, from Mr. Clean to the Kool Aid man (oh yeah!). ...

On a day when millions will tune in to watch the final four of NFL football, we can't help but stop and appreciate the American game which continues ...

It's a big state we live in. There is also a big state of mind we should keep in order to live in it well.

We're off and running with a new year. Resolutions are going strong. You don't miss eating bread, rice and potatoes, do you? You are still making it ...

Two champagne glasses ready to bring in the New Year

What did 2019 look like for you?

Group of businesspeople toasting glasses of champagne in office at night

With only a few more days to go before Christmas, we're well into Holiday party season. This is the time of year to don ugly sweaters, dress like ...

This is the most wonderful time of the year. Never mind the gifts yet to buy, high-speed competitive parking at your local mall, the hustle and ...

There is a natural progression to life. When we launch out on our own after achieving adulthood, most Texans don't start out with a lot. We all had ...

Happy family at christmas swapping gifts on the couch

It doesn't take watching George Bailey, Clark Griswold or Buddy the Elf on television to remind us of the inherent dangers of humans mixing with ...

Why Is Personal Liability Important If I Dont Own Much

When formulating a plan for Texas homeowners to protect their family and the home that they live in, the agents at Insurance For Texans always ...

Texans either have decorated for Christmas or are doing it this weekend. In many homes, you begin to see Christmas scenes pop up that are acquired ...

Does Health Insurance Include Dental And Vision

As Texans push to the December 15th close of Open Enrollment, those that do not have access to an employer based health insurance plan are ...

Holiday lights along silhouette of tree branch at sunset

If you live in Texas and own a home, there's no doubt your roof has taken a beating this year. Freezing weather usually visits us early in the year ...

When Texas homeowners are evaluating their annual budgets this time of year, one of the things that often shocks them is just how much they spend on ...

You have decided it is time to buy a second home on the lake, and the idea of renting it out on weekends to cover the costs sounds awesome. We agree. ...

happy Young romantic couple sitting on sofa in front of fireplace at winter season in home-1

We know how to two-step in Texas, even when it comes to our thermostat. Heat on during the evening and often turning on the cooler air during the ...

Does Texas Home Insurance Cover Frozen Pipes

Mid November should not have wind chills in the teens and single digits in North Texas. But guess what. Mother Nature does not care. And as a result, ...

Why I Regret Buying Cheap Home Insurance

Many Texans are constantly looking for a way to trim their personal finances. As property taxes have soared, they have looked at their home insurance ...

Family smiling at the dinner table and looking at camera-1

The wave of 40-degree days recently across the D/FW Metroplex reminds many Texans new and old that we do actually get a bit of fall weather, leading ...

With open enrollment starting on November 1st, many Texans are evaluating their health insurance plans for 2020. While many focus on the monthly ...

Real estate sale, home savings, loans market concept. Housing industry mortgage plan and residential tax saving strategy. Piggy bank isolated outside home on background. Focus on piggybank. Homeowner

Though landlord insurance is not required in the state of Texas, a regular homeowner's policy for a rental property exposes the owner. A standard ...

For many Texans, they obtain their health insurance through their employer. But for those who don't, where to and how to buy Texas Health Insurance ...

Is It Better To Have A High Or Low Deductible For Health Insurance

Open Enrollment for 2020 Health Insurance begins on Friday, and Texans are evaluating their options as a result. When looking at Texas Health ...

Texas Law On Waiving Insurance Deductibles

While watching news coverage of the North Dallas Tornado this week, one of the local broadcasts covered a new law that went into place in September ...

There are two falls in Texas. The suggested fall and the real fall.

Open Enrollment for 2020 Exchange Health Insurance plans begins next week, and has opened the flood gates of Texans looking for new Texas Health ...

Open enrollment starts in a few days for health insurance policies sold through the ACA Exchange, and Texans are evaluating their options. One of the ...

What To Do Before, During, and After A Texas Storm

Last night, the residents of North Dallas were greeted with tornado sirens during October. Yes, North Texas residents can hear storm sirens year ...

Going to a homecoming game at your alma mater in your forties can remind you pretty quick about the ability of time to fly faster than you ever ...

What Does Catastrophic Health Insurance Cover

The health insurance landscape seems to change faster than the weather in Texas. As a result, there tends to be a good bit of confusion around what ...

Whats The Difference Between Home Insurance And A Home Warranty

When Texans buy homes they often purchase a home warranty for that first year that they are in the home. Good realtors will even negotiate the price ...

You have likely accused a friendly local insurance agent of simply trying to scare you with horror stories of accidents and claims gone wrong. The ...

5 Tips For Reducing Commercial Auto Premiums

Texas Business Owners are always looking for ways to cut expenses to help them improve profitability. If your business owns vehicles, you understand ...

What Is Considered A Pre-Existing Condition

As Texans begin considering what they are going to do for their health insurance coverage next year, the subject of pre-existing conditions comes up ...

Close-up of a smiling graduate smiling with her friends in background in front of the university

We are college football fans at Insurance For Texans, particularly when it has to do with teams in Texas battling it out on the gridiron. In fact, ...

Does Homeowners Insurance Cover HOA Assesments

Master planned communities continue to pop up everywhere around Texas. These communities offer lots of amenities like pools, water slides, ...

Can I Get Prescriptions Without Insurance

As healthcare costs have continued to escalate over the last 20 years, one bugaboo that has continued to work against Texans is the cost of ...

Close up of businessman throwing dice. Gambling concept-1

Today is a gift. Tomorrow is a promise not yet realized. Yes, that sounds like a cat poster, but it is true. We don't know what the next hour will ...

When looking at Texas home insurance, one of the first things that Texans want to know is what their wind and hail deductible is going to be. If you ...

How Do I Qualify For Catastrophic Health Insurance

The Texas health insurance marketplace has been flooded with various types of health insurance policies over the last 18 months. One of the most ...

Will Cheap Health Insurance Cover Everything I Need

Over the last decade the idea of what NEEDS to be covered by your Texas Health Insurance policy has changed. Dramatically in fact. One of the ...

How Much Does Health Insurance Cost Per Month In Texas

Tomorrow is October 1st, which means we are entering the fourth quarter of the year. The fourth quarter has always been a traditional time to ...

Happy mother and daughter laughing together outdoors

The mom life is a difficult road to travel. Add single-parenting to that responsibility and life gets a bit more complicated.

Five Questions To Ask Before Buying A Home Insurance Policy

As premiums increase on Texas home insurance policies, people begin looking for more cost effective solutions to protect their investments. ...

Texas Home Insurance The Worst Homeowners Policy Ever

When the phone rings at Insurance For Texans, we're never really quite sure how it's going to go. We have definitely experienced some strange calls. ...

Why Is Home Insurance So Expensive In Texas

As we helped a family obtain insurance for a home that they are purchasing in the Fort Worth area today, they asked a simple question of us. Why is ...

When the Affordable Care Act was put in place and the idea of a once a year open enrollment was put in place, there became a need for a stop gap ...

Portrait of a mother and son - isolated over a white background

There are a lot of facets to parenting. Raising up a child to know the difference between right and wrong in a fast-changing world presents one set ...

Why Does The Word Fiduciary Matter In Insurance

Texans are constantly bombarded with advertising for insurance. If you can think of insuring it, someone is running an ad for it. Many of these ads ...

Is My Non-ACA Compliant Health Insurance Junk

When perusing articles about health insurance for individual families, there is a lot of back and forth about the best type of policy for you to buy. ...

Is Life Insurance A Waste Of Money If Im Young & Healthy

Today we will get a bit personal with the topic of Life Insurance. Over the last week I have personally experienced multiple deaths in my personal ...

Single parenting has its own set of complications often making life more difficult to navigate. In many cases, single parenthood means one less ...

Does Catastrophic Health Insurance Require A Big Deductible

When Texans begin evaluating their options for individual health insurance, they typically start with ACA Exchange. It's easy to plug in some quick ...

Five Questions To Ask Your Health Insurance Agent

No True Texan loves talking about insurance. But they especially don't want to talk about their health insurance, unless they are going to tell you ...

The Seven Key Things To Consider For Buying Health Insurance in Texas

As you begin looking for individual health insurance in the state of Texas, it is easy to become overwhelmed by the options that are available today. ...

What Can I Do If My Health Insurance At Work Sucks

In the ever changing landscape of Texas Health Insurance and Employee benefits, we have been presented with some weird stuff on health insurance ...

Over the last decade the answer to the question of what happens if I don't have health insurance has changed many times. Prior to the passage of the ...

Picture of smiling nurse assisting senior man

You are getting older.

When the Affordable Care Act was signed back in 2010, the way that Texans bought individual health insurance changed. Purchasing an "exchange" health ...

What Is An Umbrella Policy And Do I Need It

I was having a conversation with a Ft Worth homeowner about his home insurance policy and he mentioned that he was reading about umbrella policies. ...

For the last decade, politics has divided much of the debate over how Texans protect themselves financially for the way that they receive health ...

We've spent time breaking down the individual components of Catastrophic Health Insurance as it is presented to Texans today on our blog. Current ...

When Texans are looking at health insurance alternatives, they typically do so by turning one of three ways.

As Texans search for alternatives to the current health insurance exchange plans, the subject of catastrophic health insurance comes up. Many Texans ...

Benefits wooden sign on desert background

Life insurance can be pretty straight forward. You pay a regular premium and if you die during that term, a death benefit is paid to your ...

What Is Infinite Banking And Is It A Scam?

Life Insurance is one of the single most important policies that Insurance For Texans can offer to you. I have had a front row seat to it's ...

Closeup portrait, nerd senior mature man, black glasses, holding money in one hand, scratching head, not sure how to spend extra cash dollar bills, isolated white background. Human emotion, expression

Who doesn't like a little return on an investment? Not many.

Does Catastrophic Health Insurance Exist In Texas

It seems like over the past few weeks, the phone calls have started to pick up around health insurance options. One of the most prominent questions ...

Why Is My Homeowners Insurance Only Replacing Part Of My Roof

Now that we have seen most of the potential hail for the year, Insurance For Texans has been receiving a round of phone calls from homeowners wanting ...

Texas business owners are constantly being bombarded by people who want to sell them something. This process never seems to end. And when an ...

Why Do My Homeowners Insurance Rates Go Up Every Year

The phone rang last Friday and it was from a long time customer named Bill. Bill has his home and auto insurance with Insurance For Texans and he was ...

Five Things Your Homeowners Insurance Does Not Cover

We tend to keep things on the positive side here at Insurance For Texans. We're a glass half full kind of operation. Much of our time is spent ...

Does Homeowners Insurance Require An Inspection in Texas

You've decided that you have had enough of the never ending rate increases on your homeowners insurance premium and are going to shop for a new ...

Does Homeowners Insurance Cover Home Business

More and more Texans are starting small businesses out of their homes. Being an entrepreneur is in the DNA of most true Texans, and we love the ...

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