The Insurance for Texans Blog

Ron Wadley

Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems.

What is Named Peril Coverage?

Posted by Ron Wadley on Apr 2, 2026 8:00:00 AM

Topics: named perils

What Is Liability Coverage?

Posted by Ron Wadley on Apr 1, 2026 10:04:04 AM

" \n What is Liability Coverage? \n \n Liability insurance: insurance against loss from legal liability of the insured for bodily injury or property ...

Topics: Liability Insurance

What is Indemnity?

Posted by Ron Wadley on Mar 31, 2026 11:43:15 AM

" \n What is insurance indemnity? \n \n Contract of indemnity: the indemnifying party (insurance company) agrees to compensate you (the insured) for ...

Topics: Indemnity

Faithful Stewardship Understands How to Insure a Texas Church

Posted by Ron Wadley on Mar 30, 2026 10:33:54 AM

Darkness was settling in over the Texas Panhandle on a Tuesday evening. But inside a local church, the mood was positive. The youth group had just ...

Topics: Church Insurance, Church Podcast

A New Way to Think About Texas Home Insurance

Posted by Ron Wadley on Mar 25, 2026 12:25:23 PM

" \n What is indemnity? \n Indemnity: Unlike traditional Texas home insurance that pays on a sliding scale based on the amount of damage up to a ...

Topics: TRUE Texas Home Insurance

Faithful Stewardship Knows that Church Insurance is Changing in 2026

Posted by Ron Wadley on Mar 23, 2026 10:44:43 AM

It’s a Tuesday morning in Waco. The sun is streaming through the stained glass of the fellowship hall, casting vibrant patterns across the floor. ...

Topics: Church Insurance, Church Podcast

Why Replacement Cost Value is a Property Owner’s Best Friend

Posted by Ron Wadley on Mar 16, 2026 4:07:27 PM

Topics: actual cash value, Replacement Cost Value

What Is Actual Cash Value? How Depreciation Affects Property Insurance

Posted by Ron Wadley on Mar 13, 2026 2:26:42 PM

" \n What is actual cash value? \n \n Actual Cash Value (ACV) is a method of valuing property based on its replacement cost minus depreciation (the ...

Topics: actual cash value

Faithful Stewardship Understands New Changes To Church Insurance

Posted by Ron Wadley on Mar 13, 2026 12:11:20 PM

Steve is exactly the kind of guy you want serving as a deacon. As a no-nonsense rancher from Amarillo, he’s managed his church’s property committee ...