Insurance For Texans Blog

All the Insurance Topics a Texan Could Want

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Does An Automatic Water Shutoff System Help With Texas Home Insurance?

Posted by Ron Wadley on Sep 22, 2025 3:00:52 PM
Sarah had just bought her dream home in Waco. It wasn't a "fixer upper", but she loved it. Everything felt fresh and new. The paint was crisp, the ...

Topics: discounts, water, TRUE Texas Home Insurance

Why Wisdom Matters More Than Knowledge For Your Texas Home Insurance

Posted by Ron Wadley on Sep 18, 2025 3:46:14 PM
Earlier this week, I was talking with my friend Brian Kurtz. He made a statement that stuck with me. He said, “There is a fine line between knowledge ...

Topics: independent insurance agent, gaps in coverage, TRUE Texas Home Insurance

Should I Keep My Home Builder's Insurance Plan?

Posted by Ron Wadley on Aug 29, 2025 2:52:08 PM
When Emily bought her first home in Frisco, she was excited. It was a brand-new build with a fresh yard, clean paint, and that wonderful smell of a ...

Topics: claim settlement, new home, TRUE Texas Home Insurance

Is It Worth It To Keep A 1% Hail Deductible On Texas Home Insurance?

Posted by Ron Wadley on Jul 9, 2025 5:41:08 PM
Steve has lived in Tyler all his life. He’s been in his current home for six years now and, like many Texans, he's no stranger to hail storms. Every ...

Topics: replacement cost, deductible, hail, roofing schedule, TRUE Texas Home Insurance

Given The Recent Disaster, How Does Texas Flood Insurance Work?

Posted by Ron Wadley on Jul 8, 2025 12:40:24 PM
I've started to compose my thoughts on catastrophic flooding events in The Hill Country multiple times. It never feels quite right. As a parent of a ...

Topics: flood insurance, TRUE Texas Home Insurance, Flash Floods

Are You A Texas Homeowner With A Reduction In Coverage Letter?

Posted by Ron Wadley on Jun 25, 2025 2:42:03 PM
Ben had been living in his Waco home for five years. It wasn’t fancy, but it was solid. A good roof. Decent yard. Great location in a safe ...

Topics: deductible, roofing schedule, TRUE Texas Home Insurance, coverage reduction

Can You De-Risk Your Life?

Posted by Ron Wadley on Jun 17, 2025 3:36:19 PM
The day was like any other Monday. I headed out the door in the pre-sunrise moments to get a hike in and clear my head for the day ahead. My wife and ...

Topics: business coverage, TRUE Texas Home Insurance, total cost of risk

Can My Mortgage Lender Force Me To Carry Specific Insurance Coverage

Posted by Ron Wadley on Jun 16, 2025 2:24:02 PM
Mary is a single mom living in Waco. Like so many parents right now, she is watching every penny that leaves her bank account. Groceries have gone ...

Topics: mortgage payment, replacement cost, hail, TRUE Texas Home Insurance

What Is A Normal Deductible For Texas Home Insurance?

Posted by Ron Wadley on May 22, 2025 5:54:49 PM
Jim is buying his first home on the west side of Fort Worth. He’s excited, a little nervous, and trying to get everything in order before closing ...

Topics: deductible, hail, TRUE Texas Home Insurance

What Do Texas Homeowners Need To Know About Insurance In 2025?

Posted by Ron Wadley on May 1, 2025 5:14:14 PM
When the massive hail storm rolled through North Austin into Round Rock a couple of years ago, Ashley's house got blasted. The noise on the roof was ...

Topics: texas weather, roofing schedule, TRUE Texas Home Insurance