Insurance For Texans Blog

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Why Are There So Many Fees On My Church Insurance Bill?

Posted by Amanda Minter on Mar 26, 2025 2:59:56 PM
What is a non-admitted insurance carrier? Non-Admitted (Surplus Lines) Insurance: A specialized insurance market that provides coverage for high-risk ...

Topics: property, Church Insurance

Is Functional Replacement Cost Bad For My Church Insurance Policy?

Posted by Amanda Minter on Mar 17, 2025 9:15:00 AM
Key Takeaways Functional Replacement Cost Saves Money but Changes How a Church Is Rebuilt Unlike traditional replacement cost, functional replacement ...

Topics: replacement cost, property, Church Insurance, Risk Purchasing Group

Can A Risk Purchasing Group Get Your Church The Best Property Coverage

Posted by Amanda Minter on Mar 14, 2025 10:00:00 AM
Key Takeaways A Risk Purchasing Group (RPG) lets churches combine their buying power to access stronger coverage and better property insurance rates ...

Topics: property, Church Insurance, Risk Purchasing Group

Why A National Risk Pool Can Be Better For Your Church’s Insurance

Posted by Amanda Minter on Mar 13, 2025 11:51:31 AM
What is a risk purchasing group? Risk Purchasing Group: A solution for churches that are formed to cover catastrophic property losses. Churches pool ...

Topics: hail, property, Church Insurance, Risk Purchasing Group

Did A Sublimit Reduce Your Church's Claim Payout?

Posted by Amanda Minter on Mar 12, 2025 4:03:53 PM
Key Takeaways Sublimits Can Dramatically Reduce Your Church’s Claim Payout Many Texas churches assume their full property coverage applies to every ...

Topics: limits of coverage, liability, property, Church Insurance

Three Things Texas Daycares Need To Know About Insurance Today!

Posted by Brad Hancock on Mar 11, 2025 9:30:01 AM
Key Takeaways Price alone doesn’t protect your daycare. Chasing the cheapest insurance policy can leave you exposed to hidden exclusions, higher ...

Topics: liability, property, True Texas Education Insurance, daycares

What Do Texas Business Owners Need To Know About Spring Hail Insurance

Posted by Brad Hancock on Mar 3, 2025 8:30:00 AM
Texas weather can be wild! It seems like we move from the dead of winter to the "Spring Hail" Season almost instantly. It is incredible how quickly ...

Topics: business coverage, hail, property, business interruption

Think Your Daycare Is Covered? These Policy Limits Say Otherwise!

Posted by Brad Hancock on Feb 12, 2025 2:46:44 PM
Key Takeaways Coverage limits can leave your daycare exposed even if you have insurance. Many Texas daycare owners assume their policy will fully ...

Topics: limits of coverage, liability, property, True Texas Education Insurance, daycares

Does Changing My Texas Daycare Insurance Every Year Matter?

Posted by Brad Hancock on Feb 11, 2025 5:04:21 PM
Key Takeaways Chasing lower premiums can cost more in the long run. Constantly switching daycare insurance to save a few dollars can lead to reduced ...

Topics: liability, property, True Texas Education Insurance, daycares

Is A Daycare’s Playground a Hailstorm Target? Don’t Wait to Find Out

Posted by Brad Hancock on Jan 13, 2025 2:55:51 PM
Key Takeaways Outdoor playgrounds are at high risk during Texas hail season. Playgrounds, fences, and shade canopies can be damaged or destroyed by ...

Topics: hail, property, True Texas Education Insurance, daycares, playgrounds