As the population of Texas has continued to grow over the last few years, the availability of work for contractors has steadily grown as well. It has ...

Topics: General Liability, Commercial Insurance, Waco, contractor, locksmith

No one bats an eyelash when you say COVID changed things for everyone. And Texas churches experienced changes just like everyone else. In a time gone ...

Topics: liability, lubbock, Church Insurance, media liability

Denise from Frisco couldn't believe her eyes as she surveyed the aftermath of yet another vicious hailstorm. The siding of her home pocked and the ...

Topics: windstorms, hail, Home Insurance Tips, viatical settlement, TRUE Texas Home Insurance, non-renewal

If you are part of helping with your church finances, you likely are aware of just how crazy the church insurance companies have become over the last ...

Topics: Fort Worth, General Liability, professional liability, liability, property, Church Insurance

It's no secret that the marketplace for Texas Home Insurance is a giant mess. We receive phone call after phone call of Texas homeowners who have ...

Topics: home insurance, deductible, split deductibles, percentage deductibles, claim, TRUE Texas Home Insurance

Many small and medium sized towns in Texas have festivals or other special events throughout the year. Fall festivals and Friday Night Lights seem to ...

Topics: General Liability, liability, Church Insurance, Abilene, event insurance

The cost of everything is soaring. Especially Texas home insurance. The local news is continually talking about the price increases that are ...

Topics: home insurance, Texas, insurance for texans, claim settlement, hail, claim, homeowners insurance, independent insurance agent, Home Insurance Tips, water, Grapevine Home Insurance

Texas homeowners have become conditioned to talk about the bundle when it comes to their insurance. There have been countless commercials about ...

Topics: auto insurance, home insurance, discounts, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance

A gentleman by the name of Scott called into our office the other day. He was looking to find a new home insurance carrier for his policy. ...

Topics: Home Insurance Tips, TRUE Texas Home Insurance, basics of home insurance

Every Texas church leader knows the worry of hail damage given its frequency and potential for destruction. And for good reason too. Of all the filed ...

Topics: water, property, business personal property, Church Insurance

Leslie has been a member of her local church in Tyler for many years. During that time she has worn many hats and her current role has her leading ...

Topics: General Liability, professional liability, liability, property, Church Insurance

Even with the mass migration of new people to our great state, if you have lived here for more than a hot minute you've seen some weather. Texans new ...

Topics: home insurance, Texas, weather, insurance for texans, independent insurance broker, replacement cost, actual cash value, Fort Worth, windstorms, claim settlement, deductible, North Texas, Dallas, Dallas/Fort Worth, percentage deductibles, dwelling, Burleson Home Insurance, hail

Steven is the pastor of a growing church in Waco that is trying to provide key services and ministry to their community and members. As the church ...

Topics: General Liability, professional liability, liability, Waco, Church Insurance

Imagine you're Heather, a self-employed graphic designer from Odessa, Texas. You've been juggling clients, deadlines, and your own creative projects ...

Topics: health insurance, ACA, Short Term Medical, catastrophic health coverage, ACA Alternatives, Obamacare, private health insurance

Louise gazed out her San Antonio window as dark clouds gathered across the horizon. This is an all too familiar scene during the Spring in Texas, and ...

Topics: home insurance, deductible, split deductibles, percentage deductibles, hail, Home Insurance Tips, TRUE Texas Home Insurance, Amarillo, San Antonio

During a finance committee meeting at Larry's church in Abilene, they were confronted with the latest monthly statements. It showed a significant ...

Topics: liability, D&O, Church Insurance

Nelda is a dedicated church secretary in Austin, Texas. She has been confronted with a pressing challenge at the small church that she works at and ...

Topics: General Liability, Business Owner, Austin, property, Church Insurance

Landry is the pastor of a local Ft Worth church who has encountered a digital crisis that tested the bounds of his community's faith. After a routine ...

Topics: Fort Worth, cyber insurance, ransomware, phishing, cyber crime, data theft, malware, Church Insurance

In Abilene, Texas, Debbie stood on her porch, watching as the sky turned a menacing shade of gray. The air was thick with anticipation, a prelude to ...

Topics: home insurance, windstorms, hail, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, basics of home insurance, Abilene

Pastor Jonathan was preparing for a meeting with his church elders to look at the budget for the upcoming year. As he looked over his church ...

Topics: General Liability, professional liability, liability, employment liability insurance, cyber insurance, Austin, Church Insurance

Gene sat in his Lubbock kitchen, staring at the renewal documents for his home insurance coverage. The Texas sky outside was clear today, but Gene's ...

Topics: actual cash value, deductible, Dallas/Fort Worth, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance, lubbock

Layne is facing a predicament that has become all too familiar to many church leaders across the Lone Star State, with his Amarillo church being no ...

Topics: General Liability, property, Church Insurance, Non-Profit, non-renewal

Stephen is a Frisco homeowner living in the bullseye of the North Texas hail track each spring. With each storm that passes through, the risk of a ...

Topics: windstorms, deductible, split deductibles, percentage deductibles, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance

“Life’s like a box of chocolates, you never know what you're gonna get..but life insurance can help!” Robert Zemeckis’ 1994 movie Forrest Gump is ...

Topics: life insurance, term life insurance, permananent life insurance

Paul is a devoted leader of a local church in the heart of Austin who found himself navigating through the complex world of insurance jargon while ...

Topics: Commercial Insurance, property, business personal property, Church Insurance

Kevin is a pastor of a small church outside of Waco who is faced with a dilemma that is testing not only his faith, but that of his church leaders as ...

Topics: Business Owner, Waco, BOP, property, Church Insurance, Non-Profit

As the hail claims continue to mount in Texas, the home insurance companies have begun to find new ways to lower the cost of those claims. We've seen ...

Topics: home insurance, insurance for texans, claim settlement, North Texas, Dallas/Fort Worth, Burleson Home Insurance, hail, homeowners insurance, independent insurance agent, Home Insurance Tips

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 ...

Topics: home insurance, insurance for texans, claim settlement, North Texas, Dallas/Fort Worth, hail, homeowners insurance, independent insurance agent, Home Insurance Tips, Grapevine Home Insurance

After putting the kids to bed, Sally sat and stared at the bills on the table. She never expected to be here. With tears in her eyes, the questions ...

Topics: life insurance, permanent life, term life insurance, single parent life insurance

Paul sat and stared at the envelope just delivered to his dental business in Odessa. He had been in business for twenty years and never so much as ...

Topics: business coverage, Business Owner, Dental Insurance, basics of business insurance, workers comp

As we roll into hail season, which is basically all year in Texas, homeowners are giving their insurance policies a once over to make sure that they ...

Topics: home insurance, windstorms, hail, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, lubbock

Meet Steven from Fort Worth, a proud Texas homeowner who found himself at a crossroads when his homeowners insurance policy was set to renew. He had ...

Topics: deductible, percentage deductibles, hail, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance

Have you ever dropped a tool while having a patient in the chair? Maybe one of your staff did? It likely wasn't a big deal, but let's talk about ...

Topics: business coverage, General Liability, Business Owner, Dental Insurance, Austin, basics of business insurance

Hail falls all over Texas. That is not a surprise to any Texas homeowner. But some parts of the state deal with hail damage claims more than others, ...

Topics: home insurance, hail, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, Amarillo, basics of home insurance

Grapevine, is a place where the community values its local businesses. Harry located his dental office there and has been a fixture in the downtown ...

Topics: business coverage, Business Owner, employer insurance, Dental Insurance, Grapevine, employment liability insurance, basics of business insurance

When Texans think of insurance claims, the topic of weather always seems to pop-up. It makes sense because it is the most frequent kind of claim for ...

Topics: business coverage, business income coverage, Dental Insurance, commercial texas insurance, lubbock, BOP, business interruption

Hey there, neighbors! We know no one LIKES to talk about health insurance. But here’s a friendly reminder from your pals at Insurance for Texans that ...

Topics: health insurance, ACA, ACA Alternatives, open enrollment

On the west side of Ft Worth, Texas, there's a dedicated dentist named Robert. His dental office, a thriving part of the community, recently faced an ...

Topics: weather, business coverage, Business Owner, Dental Insurance, business personal property

Hey there, fellow Texans! Today, we've got a story that hits close to home for many of us, since we've all been through at least one of our notorious ...

Topics: replacement cost, windstorms, Dallas/Fort Worth, hail, Home Insurance Tips, TRUE Texas Home Insurance

As the calendar flips to January and the cool breezes start tickling the back of our necks here in Texas (yes, even we get a taste of winter!), it's ...

Topics: Home Maintenance, Winter, Freezing, claim, TRUE Texas Home Insurance

With all of the insurance companies being in the news for the wicked increases in home insurance rates over the last two years, more and more Texans ...

Topics: replacement cost, actual cash value, windstorms, hail, roofing schedule, TRUE Texas Home Insurance, Austin

Cecil owns a food manufacturing operation in Lubbock. When one of those thunderstorms that races across the high plains ravaged his property, halting ...

Topics: business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, lubbock, basics of business insurance, business interruption

None of us like surprises. I'm sure that you feel appreciated when your dental office staff surprises you with a moment of gratitude for the amazing ...

Topics: Business Owner, Dental Insurance, basics of business insurance, business interruption, inland marine, business personal property

Meet Ted, a business owner in Dallas. Ted has a flourishing dental office in East Dallas where he takes care of families with great care! Ted loves ...

Topics: windstorms, business coverage, deductible, Dallas, Dallas/Fort Worth, percentage deductibles, hail, Business Owner, Commercial Insurance, property

Allison is a dedicated print shop owner in Fort Worth. She is currently facing a dilemma common to many print shop owners as she is evaluating her ...

Topics: business coverage, General Liability, basics of business insurance, property, print shop, business interruption, pollution

Meet Henry, a proud Texan and diligent owner of a local print shop in Denton. Henry unfortunately encountered a situation many Texas business owners ...

Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, print shop

As the average costs of basically everything have continued to skyrocket, the cost of homeowners insurance is no exception. The average rates in ...

Topics: home insurance, homeowners insurance, Home Insurance Tips, Grapevine Home Insurance, TRUE Texas Home Insurance, basics of home insurance

Meet our friend Louise. Louise is the proud owner of a print shop located in Lubbock, Texas. Louise has built her business taking care of her friends ...

Topics: business income coverage, Business Owner, cyber insurance, basics of business insurance, print shop, business interruption

Let's talk about Peter, a proud owner of a bustling print shop right here in the heart of Waco. His story is one that many Texan print shop owners ...

Topics: business coverage, Business Owner, commercial texas insurance, Waco, basics of business insurance, property, print shop

Picture this: Bradley, a proud Texan and owner of a bustling print shop in Midland, faced a nightmare scenario. His automated print shop equipment, ...

Topics: Business Owner, Commercial Insurance, cyber insurance, commercial texas insurance, BOP, print shop, mechanical breakdown

In the middle of Amarillo, there's a bustling print shop owned by a gal named Mary. She's as Texan as they come - tough, entrepreneurial, and always ...

Topics: workmans compensation, business coverage, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, basics of business insurance, print shop

Let's take a journey into the life of Hector, a dedicated Austinite who runs a vibrant print shop. Hector's world revolves around the rhythmic dance ...

Topics: business coverage, Business Owner, Commercial Insurance, basics of business insurance, property, print shop, mechanical breakdown

Understanding the trends in insurance costs is essential for Texans, especially since these rates are increasing faster than you can shake a stick at ...

Topics: auto insurance, insurance for texans, windstorms, hail, claim, homeowners insurance, Home Insurance Tips

Meet Mary, a dedicated print shop owner in Texas who recently faced a daunting challenge that's becoming all too common for Texas Business Owners - a ...

Topics: business coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, Amarillo, basics of business insurance, print shop

Louise's print shop stands as a testament to her hard work and dedication. She has been serving Abilene for many years taking care of friends and ...

Topics: business coverage, professional liability, Business Owner, Commercial Insurance, basics of business insurance, print shop

Deep in Central Texas, where the Brazos flows and people keep moving in, lies Michael's Printshop – a cornerstone of the Waco community. Michael, ...

Topics: auto insurance, Business Owner, Commercial Insurance, basics of business insurance, BOP, print shop, commercial auto insurance

Imagine you're Jerry, a Texas manufacturing business owner who's just encountered a nightmare: that his last invoice to his biggest customer was ...

Topics: business coverage, business income coverage, General Liability, Business Owner, cyber insurance, commercial texas insurance, manufacturer, cyber crime, basics of business insurance

Nancy, a resident of the bustling suburbs of Dallas-Ft Worth, sat staring at an open laptop flashing an array of confusing premium options for her ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, prescription coverage, private health insurance

Stephen, an owner of a bustling cafe in downtown Austin, recently faced a harsh reality that many small business owners in Texas confront: the ...

Topics: business coverage, business income coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, BOP

Jorge, a native Texans, recently encountered a significant dilemma common to many Texans: the challenges of navigating healthcare without insurance. ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, supplemental health plans, private health insurance

In Texas, health insurance is as complex as it is critical. Take Mary, for example, a resident of Fort Worth, struggling to navigate the murky waters ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, supplemental health plans, private health insurance

Paul, a dedicated Texan and father of two, had always prided himself on navigating life’s challenges with ease. But this year, faced with the ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, private health insurance, open enrollment

Stephanie, a self-employed Texan and a proud entrepreneur, stood confused at her local pharmacy counter. She just received a surprisingly high bill ...

Topics: health insurance, ACA, employer group policy, ACA Alternatives, prescription coverage, private health insurance, group health, employer health insurance

Louis, a passionate Texan entrepreneur, always dreamt of providing his employees with the best of everything. But recently, he faced an unforeseen ...

Topics: insurance for texans, business coverage, health insurance, employer group policy, group health, employer health insurance

Texas is known for its vast landscapes and boundless aspirations. Our friend Stephen, like many self-employed Texans, embodies the spirit of ...

Topics: insurance for texans, health insurance, ACA, catastrophic health coverage, ACA Alternatives, private health insurance

Health insurance can sometimes seem like a maze with all its terms, conditions, and processes. Shoot. It seems like you even need to submit an ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, private health insurance, group health

Over the last year, businesses across the world have seen an increase in different cyber attacks on their infrastructure and livelihood. Some of the ...

Topics: insurance for texans, business coverage, Business Owner, Commercial Insurance, cyber insurance, cyber crime, basics of business insurance, denial of service

Let me introduce you to Andrea, a hardworking Texan who was deeply frustrated by her healthcare experience. Andrea, like many of us, often found ...

Topics: insurance for texans, health insurance, catastrophic health coverage, private health insurance, group health, direct primary care

Have you noticed that monthly premiums for homeowners insurance policies in Texas have exploded? Particularly in the Dallas-Ft Worth metroplex? If ...

Topics: home insurance, Burleson Home Insurance, hail, high value home, homeowners insurance, Home Insurance Tips, Grapevine Home Insurance, TRUE Texas Home Insurance

Ricky has spent the last eighteen months on a Bronze level plan he purchased for his family of four from the ACA Exchange. Fortunately for him, the ...

Topics: deductible, health insurance, ACA, ACA Alternatives, Obamacare, supplemental health plans

George called our office last week. We helped him get a health insurance policy during open enrollment for this calendar year. He called because he ...

Topics: health insurance, catastrophic health coverage, supplemental health plans, private health insurance, cancer insurance

I was sitting in the bleachers at the high school football game for my daughter's school. One of the most Texan things that you can do on a Friday ...

Topics: health insurance, catastrophic health coverage, accident policy, supplemental health plans, private health insurance

When we hear of cyber crimes there are a lot of eyeballs that glass over. We think it couldn't happen to us. That happens to someone huge like the ...

Topics: business coverage, Business Owner, cyber insurance, phishing, cyber crime, invoice manipulation, basics of business insurance

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 ...

Topics: business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

Many people have come to realize that paying cash for medical expenses can often be much cheaper than relying on insurance copays. In Texas, services ...

Topics: health insurance, catastrophic health coverage, supplemental health plans, private health insurance, group health

A lady named Mary called into our office the other day. She was stuck between a rock and a hard place. She was trying to secure her own individual ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare, cobra, private health insurance

Everywhere you look these days, it's common to have side hustles. A lot of people want to go into business for themselves, but don't feel like they ...

Topics: business coverage, independent insurance agent, Business Owner, Commercial Insurance, basics of business insurance

"Howdy Folks! I'm Big Tex! And welcome to the great state fair of Texas." It is currently state fair time in Texas and there are changes happening in ...

Topics: home insurance, windstorms, deductible, hail, homeowners insurance, Home Insurance Tips, roofing schedule, TRUE Texas Home Insurance

I enjoy the RV Life! Since the days of purchasing my first bumper-pull travel trailer to use as a second office in DFW to upgrading to a fifth wheel ...

Topics: insurance for texans, replacement cost, liability, RV, travel trailer

Las Vegas is the alluring vixen that draws us in with her promise of fame and fortune. There is a belief that we can leave Las Vegas with the ...

Topics: business coverage, Business Owner, Commercial Insurance, cyber insurance, commercial texas insurance, cyber crime

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 ...

Topics: health insurance, catastrophic health coverage, ACA Alternatives, supplemental health plans, private health insurance, health insurance portability

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

Topics: business coverage, General Liability, liability, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

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

Topics: business coverage, General Liability, professional liability, liability, Business Owner, Commercial Insurance, medical malpractice, malpractice, basics of business insurance

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: ...

Topics: windstorms, deductible, hail, rental property, investment property, Home Insurance Tips, commercial texas insurance, property

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

Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, inventory

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

Topics: medical malpractice, malpractice, physicians

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 ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, private health insurance, group health

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 ...

Topics: health insurance, catastrophic health coverage, ACA Alternatives, private health insurance

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. ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare, private health insurance, digital nomad, health insurance portability

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

Topics: business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, property

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

Topics: windstorms, business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

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 ...

Topics: windstorms, business coverage, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, BOP

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 ...

Topics: business coverage, deductible, split deductibles, commercial property values, hail, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance, property

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

Topics: health insurance, catastrophic health coverage, ACA Alternatives, private 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 ...

Topics: health insurance, ACA, catastrophic health coverage, private health insurance, group health

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 ...

Topics: business coverage, business income coverage, Business Owner, cyber insurance, ransomware, phishing, cyber crime, basics of business insurance, data theft

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 ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, supplemental health plans, private health insurance

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

Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

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 ...

Topics: business coverage, commercial property values, Business Owner, Commercial Insurance, basics of business insurance

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

Topics: business coverage, health insurance, employer group policy, employer insurance, private health insurance, group health

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

Topics: business coverage, electronic data processing equipment, business income coverage, Business Owner, cyber insurance, cyber crime, data theft

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

Topics: health insurance, ACA, ACA Alternatives, Obamacare, supplemental health plans, private health insurance, HMO, PPO

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

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, supplemental health plans, private health insurance

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

Topics: business coverage, electronic data processing equipment, Commercial Insurance, cyber insurance, ransomware, cyber crime, basics of business insurance, data theft, malware

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 ...

Topics: health insurance, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, supplemental health plans, private health insurance

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 ...

Topics: insurance for texans, Commercial Insurance, TRUE Texas Home Insurance, basics of home insurance, basics of business insurance

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

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare

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 ...

Topics: health insurance, ACA, Insurance Policy, catastrophic health coverage, ACA Alternatives, supplemental health plans

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 ...

Topics: deductible, Dallas/Fort Worth, health insurance, ACA, ACA Alternatives, Obamacare

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

Topics: business coverage, business income coverage, Business Owner, Commercial Insurance, cyber insurance, commercial texas insurance, basics of business insurance

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

Topics: insurance for texans, health insurance, ACA, Short Term Medical, independent insurance agent, independent insurance agency, Business Owner, catastrophic health coverage, ACA Alternatives

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

Topics: deductible, health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare

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 ...

Topics: home insurance, Texas, insurance for texans, windstorms, deductible, Dallas/Fort Worth, Burleson Home Insurance, homeowners insurance, Home Insurance Tips, independent insurance agency

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 ...

Topics: health insurance, Short Term Medical, ACA Alternatives, Obamacare

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

Topics: business coverage, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

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

Topics: business coverage, independent insurance agency, Business Owner, Commercial Insurance, commercial texas insurance, basics of business insurance

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

Topics: health insurance, ACA, independent insurance agent, ACA Alternatives

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 ...

Topics: deductible, health insurance, ACA, ACA Alternatives

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

Topics: business coverage, business income coverage, Business Owner, cyber insurance, ransomware, cyber crime, basics of business insurance, malware

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, ...

Topics: business coverage, General Liability, Business Owner, Commercial Insurance, basics of business insurance, BOP

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

Topics: professional liability, Business Owner, Commercial Insurance, medical malpractice, malpractice, basics of business insurance

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 ...

Topics: business coverage, business income coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, basics of business insurance, malware

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

Topics: health insurance, ACA, catastrophic health coverage, Obamacare, supplemental health plans

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

Topics: business coverage, electronic data processing equipment, business income coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, basics of business insurance, data theft

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 ...

Topics: electronic data processing equipment, Commercial Insurance, cyber insurance, commercial texas insurance, ransomware, cyber crime, invoice manipulation

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 ...

Topics: health insurance, ACA, employer group policy, ACA Alternatives, Obamacare, supplemental health plans

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

Topics: health insurance, ACA, ACA Alternatives, prescription coverage, supplemental health plans

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, ...

Topics: Fort Worth, health insurance, ACA, ACA Alternatives, Amarillo, Austin, Waco, supplemental health plans

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

Topics: Dallas/Fort Worth, General Liability, Business Owner, Commercial Insurance, Grapevine, commercial texas insurance, Austin, basics of business insurance

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 ...

Topics: independent insurance agent, Insurance Policy, basics of home insurance, basics of business insurance

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

Topics: business coverage, Dallas/Fort Worth, business income coverage, Business Owner, Commercial Insurance, Grapevine, cyber insurance, commercial texas insurance, cyber crime, Amarillo, Austin, Waco, basics of business insurance

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

Topics: Texas, Dallas/Fort Worth, health insurance, ACA, Colleyville, ACA Alternatives, Grapevine, early retirees, Amarillo, Austin, Waco

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

Topics: Dallas/Fort Worth, health insurance, ACA, ACA Alternatives, Grapevine, early retirees, Amarillo, Austin, Waco, supplemental health plans

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 ...

Topics: windstorms, health insurance, life insurance, independent insurance agent, Amarillo, Austin, Tyler

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 ...

Topics: life insurance, permanent life, term life insurance, whole life, final expense insurance, universal life

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 ...

Topics: Dallas/Fort Worth, health insurance, ACA, ACA Alternatives, Pre-Existing Condition, Amarillo, Austin, prescription coverage

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 ...

Topics: home insurance, Dallas/Fort Worth, homeowners insurance, Commercial Insurance, inflation, Amarillo, Austin, Waco, basics of home insurance

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

Topics: Texas, deductible, North Texas, Dallas/Fort Worth, health insurance, ACA, Colleyville, catastrophic health coverage, ACA Alternatives, Pre-Existing Condition, Obamacare, Grapevine, Amarillo, Austin, Waco

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

Topics: insurance for texans, North Texas, Dallas/Fort Worth, health insurance, ACA, Colleyville, Vision Insurance, Grapevine, Amarillo, Austin, Waco

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 ...

Topics: Dallas/Fort Worth, health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, Amarillo, Austin, Waco, lubbock, teacher

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 ...

Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, early retirees

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 ...

Topics: health insurance, Short Term Medical, catastrophic health coverage, early retirees

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

Topics: Insider, insurance for texans, independent insurance broker, independent insurance agent, independent insurance agency, Insurance Policy, inflation, reinsurance

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 ...

Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, Waco, basics of business insurance, property

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

Topics: insurance for texans, independent insurance broker, insurance broker, independent insurance agent, independent insurance agency

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

Topics: insurance for texans, Fort Worth, business coverage, Dallas/Fort Worth, Business Owner, Grapevine, cyber insurance, commercial texas insurance, cyber crime, Amarillo, Austin, Waco, law firm

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

Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, basics of business insurance, D&O

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

Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, basics of business insurance, property

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 ...

Topics: insurance for texans, business coverage, Dallas/Fort Worth, Business Owner, Commercial Insurance, commercial texas insurance, Amarillo, Austin, basics of business insurance, BOP

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, ...

Topics: Texas, Dallas/Fort Worth, dwelling, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance, Amarillo, Austin, basics of home insurance

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

Topics: insurance for texans, Fort Worth, health insurance, ACA, catastrophic health coverage, ACA Alternatives, hospital indemnity plan, early retirees, Austin, Waco, lubbock

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 ...

Topics: insurance for texans, North Texas, Dallas/Fort Worth, health insurance, catastrophic health coverage, Obamacare, early retirees, Amarillo, Austin

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

Topics: insurance for texans, business coverage, North Texas, Dallas/Fort Worth, business income coverage, Commercial Insurance, commercial texas insurance, manufacturer

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

Topics: insurance for texans, business coverage, Commercial Insurance, cyber insurance, commercial texas insurance, manufacturer, cyber crime, intellectual property

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

Topics: insurance for texans, business coverage, Business Owner, cyber insurance, commercial texas insurance, cyber crime, invoice manipulation

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

Topics: Texas, insurance for texans, business coverage, North Texas, Dallas/Fort Worth, cyber insurance, commercial texas insurance, phishing

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 ...

Topics: Texas, insurance for texans, health insurance, ACA, Short Term Medical, catastrophic health coverage, ACA Alternatives, Obamacare, cobra, early retirees

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

Topics: Texas, insurance for texans, North Texas, Dallas/Fort Worth, Commercial Insurance, cyber insurance, commercial texas insurance, manufacturer

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 ...

Topics: Texas, insurance for texans, business coverage, North Texas, Dallas/Fort Worth, Commercial Insurance, cyber insurance, commercial texas insurance, ransomware

Topics: cyber insurance

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 ...

Topics: Texas, insurance for texans, business coverage, Dallas/Fort Worth, Commercial Insurance, cyber insurance, commercial texas insurance

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

Topics: Texas, insurance for texans, claim settlement, Dallas/Fort Worth, Commercial Insurance, cyber insurance

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 ...

Topics: Texas, insurance for texans, business coverage, Dallas/Fort Worth, Commercial Insurance, cyber insurance

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 ...

Topics: Texas, insurance for texans, business coverage, liability, Commercial Insurance, cyber insurance

Topics: professional liability, medical malpractice, tort reform, doctor, malpractice, physicians

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

Topics: insurance for texans, business coverage, North Texas, independent insurance agency, Commercial Insurance, cyber insurance

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

Topics: insurance for texans, term, rental property, investment property, renovation costs, Commercial Insurance, super bowl, builders risk, construction

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

Topics: insurance for texans, business coverage, business income coverage, Business Owner, Commercial Insurance, water, Dental Insurance

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

Topics: business coverage, electronic data processing equipment, Business Owner, Commercial Insurance, Dental Insurance, cyber insurance

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

Topics: insurance for texans, business coverage, commercial property values, investment property, Commercial Insurance

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 ...

Topics: auto insurance, home insurance, Texas, Freezing, replacement cost, limits of coverage, building coverage, commercial property values, complete losses, homeowners insurance, independent insurance agency, Commercial Insurance, gaps in coverage, TRUE Texas Home Insurance, inflation

Topics: home insurance, Texas, homeowners insurance, Home Insurance Tips, TRUE Texas Home Insurance

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 ...

Topics: home insurance

New Year's resolutions usually involve plans to change our lives for the better. Whether you want to eat healthier or spend less, people use the new ...

Topics: Home Insurance Tips, TRUE Texas Home Insurance

When the wind and hail storms come, and we all know that they do whether it's storm season or not. You can count on the many roofing contractors in ...

Topics: windstorms, deductible, hail, TRUE Texas Home Insurance, Austin

Let's face it, owning and operating your own business will continuously pose opportunities, challenges, and risks. Product, service, people . . . ...

Topics: business coverage, General Liability, independent insurance agent, Commercial Insurance, basics of business insurance

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

Topics: independent insurance agency, Business Owner, Commercial Insurance, employer insurance, employment liability insurance, epli, commercial texas insurance, basics of business insurance