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We all want to make good decisions about our insurance, but who has time for more research and reading? TDI's Take 5 is here to help. We break down the hard topics and make them easy to read or watch during a five-minute break from your busy day. We'll give you tips on shopping for insurance, understanding your policies, and protecting yourself from fraud. And you'll still have time for coffee.


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Our Consumer Protection Help Line staff answered thousands of calls from people just like you last year and helped them recover millions in claims and premium payments.

5 ways we can help you

Our Consumer Protection Help Line staff answered thousands of calls from people just like you last year and helped them recover millions in claims and premium payments.

You found an apartment in your price range and the location is great. When you’re checking out the space, take a few minutes to check its fire safety features.

Apartment safety checklist

You found an apartment in your price range and the location is great. When you’re checking out the space, take a few minutes to check its fire safety features.

When you file an insurance claim, the insurance company’s adjuster probably will be the person you deal with most often. Understanding the adjuster’s role and your options can help the claims process go more smoothly.

Working with an insurance adjuster

When you file an insurance claim, the insurance company’s adjuster probably will be the person you deal with most often. Understanding the adjuster’s role and your options can help the claims process go more smoothly.

Most insurance companies use your credit history to help them decide whether to sell you insurance and how much it will cost. Here’s what you should know about your credit and how it can affect your insurance.

How your credit score can affect your insurance rates

Most insurance companies use your credit history to help them decide whether to sell you insurance and how much it will cost. Here’s what you should know about your credit and how it can affect your insurance.

As in any accident, move your car out of the way safely if you can and call 911 if there are injuries. If you think the other driver was at fault, here are some tips to keep in mind.

Were you in an accident caused by the other driver?

As in any accident, move your car out of the way safely if you can and call 911 if there are injuries. If you think the other driver was at fault, here are some tips to keep in mind.

If you hear thunder, lightning is a threat. It’s time to find shelter. Lightning strikes kill more Americans than hurricanes in an average year, according to the National Oceanic and Atmospheric Administration (NOAA).

When thunder roars, go indoors!

If you hear thunder, lightning is a threat. It’s time to find shelter. Lightning strikes kill more Americans than hurricanes in an average year, according to the National Oceanic and Atmospheric Administration (NOAA).

Having a detailed home inventory is important if you ever need to make an insurance claim. Here are four things to know about making a home inventory.

You need a home inventory

Having a detailed home inventory is important if you ever need to make an insurance claim. Here are four things to know about making a home inventory.

Think about your age, your financial situation, and if you have people who depend on your income. If you do decide to shop for life insurance, here are some things to consider.

Do you need life insurance?

Think about your age, your financial situation, and if you have people who depend on your income. If you do decide to shop for life insurance, here are some things to consider.

Your roof is your first line of defense against severe weather, and it takes a beating. Here’s what you need to know when buying a policy, filing a claim, and replacing your roof.

Replacing your roof without hitting the ceiling

Your roof is your first line of defense against severe weather, and it takes a beating. Here’s what you need to know when buying a policy, filing a claim, and replacing your roof.

Shopping for auto insurance is like shopping for any major item. It's a good idea to shop around to find the policy that best meets your needs and budget. Certain coverage is required by state law, and other types are optional.

10 steps to find the right auto insurance

Shopping for auto insurance is like shopping for any major item. It's a good idea to shop around to find the policy that best meets your needs and budget. Certain coverage is required by state law, and other types are optional.

Shopping for insurance is like shopping for any major item. It's a good idea to shop around to find the policy that best meets your needs and pocketbook.

10 steps to find the right home insurance

Shopping for insurance is like shopping for any major item. It's a good idea to shop around to find the policy that best meets your needs and pocketbook.

Balance billing – or a surprise medical bill – happens when you get a bill from a doctor, hospital, or other health care provider who isn’t part of your health plan’s network. Here are some tips to help you avoid surprise bills.

How to avoid a surprise medical bill

Balance billing – or a surprise medical bill – happens when you get a bill from a doctor, hospital, or other health care provider who isn’t part of your health plan’s network. Here are some tips to help you avoid surprise bills.

If you believe your insurance company didn’t pay enough to cover your damages or unfairly denied your claim, you have options. Click on the type of policy to learn more. You can also call our Consumer Help Line at 1-800-252-3439, 8 a.m. to 5 p.m. Monday to Friday.

What if my insurance isn't paying enough?

If you believe your insurance company didn’t pay enough to cover your damages or unfairly denied your claim, you have options. Click on the type of policy to learn more. You can also call our Consumer Help Line at 1-800-252-3439, 8 a.m. to 5 p.m. Monday to Friday.

Most people need to enroll in Medicare through Social Security when they turn 65. It can be a confusing process, but knowing some key facts can help you decide on the best plan.

How to pick the right Medicare plan

Most people need to enroll in Medicare through Social Security when they turn 65. It can be a confusing process, but knowing some key facts can help you decide on the best plan.

Once an engine gets waterlogged, it’s almost impossible to ever make it right. Unfortunately, some unscrupulous sellers will buy these salvage cars at auction and resell them to unsuspecting buyers across the state and nation. Here’s what to do if that used car deal looks too good to be true.

Beware of buying flood-damaged vehicles

Once an engine gets waterlogged, it’s almost impossible to ever make it right. Unfortunately, some unscrupulous sellers will buy these salvage cars at auction and resell them to unsuspecting buyers across the state and nation. Here’s what to do if that used car deal looks too good to be true.

If you live along the Texas coast, your property must meet certain building standards to get a windstorm insurance policy through the Texas Windstorm Insurance Association. Here are some things to keep in mind for new construction, repairs, or renovations.

What you need to know about windstorm inspections

If you live along the Texas coast, your property must meet certain building standards to get a windstorm insurance policy through the Texas Windstorm Insurance Association. Here are some things to keep in mind for new construction, repairs, or renovations.

Depending on the kind of damage your home has and where you live, you may need to file more than one insurance claim.

My home was damaged by a storm

Depending on the kind of damage your home has and where you live, you may need to file more than one insurance claim.

Here are answers to some common questions if your car was flooded.

My car was flooded

Here are answers to some common questions if your car was flooded.

For most people, their home is their biggest investment. When it’s damaged, you want to make sure it’s repaired properly and quickly. Understanding the claims process will help ensure that you get the full value from your homeowners insurance policy.

How do I file a homeowners insurance claim?

For most people, their home is their biggest investment. When it’s damaged, you want to make sure it’s repaired properly and quickly. Understanding the claims process will help ensure that you get the full value from your homeowners insurance policy.

Figuring out what your homeowners insurance policy covers can be tricky. We answer some of the frequently asked questions about what your homeowners insurance policy may or may not cover.

Does my insurance policy cover that?

Figuring out what your homeowners insurance policy covers can be tricky. We answer some of the frequently asked questions about what your homeowners insurance policy may or may not cover.

Here are some things to know about deductibles when deciding what policy to buy.

What to know about deductibles

Here are some things to know about deductibles when deciding what policy to buy.

After a big storm or other disaster, a criminal element may be drawn to the area. Fraud can range from shoddy repairs to price gouging to people who take the money and run.

Protect yourself from contractor scams

After a big storm or other disaster, a criminal element may be drawn to the area. Fraud can range from shoddy repairs to price gouging to people who take the money and run.

Whether you’re an entering freshman or about to wrap up your senior year, it pays to make sure your insurance needs are in order. Here are some things to consider.

Insurance tips – college edition

Whether you’re an entering freshman or about to wrap up your senior year, it pays to make sure your insurance needs are in order. Here are some things to consider.

Hurricanes can present a unique set of challenges for homeowners and their insurance coverage. Here are four things to know about hurricanes and homeowners insurance.

If a hurricane hits, are you covered?

Hurricanes can present a unique set of challenges for homeowners and their insurance coverage. Here are four things to know about hurricanes and homeowners insurance.

Fireworks are a big part of many holiday celebrations, but they also can be dangerous. Here are five things to know to have fun with fireworks and stay safe.

What you need to know about fireworks

Fireworks are a big part of many holiday celebrations, but they also can be dangerous. Here are five things to know to have fun with fireworks and stay safe.

There’s nothing more Texan than burgers and barbecue on a summer day. Follow these tips to make sure your cookout is a safe one.

Grill tips for your next tailgate or cookout

There’s nothing more Texan than burgers and barbecue on a summer day. Follow these tips to make sure your cookout is a safe one.

You've planned your vacation for months, but you still can’t decide if you need travel insurance. Here are some questions to help you decide.

Do I need travel insurance?

You've planned your vacation for months, but you still can’t decide if you need travel insurance. Here are some questions to help you decide.

Summer is the time for getting the most out of your swimming pool. Take a minute to review your homeowners insurance to make sure your pool is fully covered.

Is your swimming pool covered?

Summer is the time for getting the most out of your swimming pool. Take a minute to review your homeowners insurance to make sure your pool is fully covered.

If your summer plans include boating, make sure you know what’s covered and what isn’t.

Do you need boat insurance?

If your summer plans include boating, make sure you know what’s covered and what isn’t.

If you miss work due to a job-related injury or illness, you may be able to get workers’ compensation payments. There are several ways to get help with your claim.

How to get help with a workers’ comp claim

If you miss work due to a job-related injury or illness, you may be able to get workers’ compensation payments. There are several ways to get help with your claim.

Bringing a child into your life can be a joyous occasion, but it also means a new level of responsibility. If you’re preparing to be a new parent, don’t forget to consider your changing insurance needs.

Insurance tips for new parents

Bringing a child into your life can be a joyous occasion, but it also means a new level of responsibility. If you’re preparing to be a new parent, don’t forget to consider your changing insurance needs.

Many auto insurers are offering usage-based policies that base your premium partly on how much or how well you drive. Here are three things to know when deciding if this type of policy is right for you.

Could usage-based insurance save you money?

Many auto insurers are offering usage-based policies that base your premium partly on how much or how well you drive. Here are three things to know when deciding if this type of policy is right for you.

Victims of identity theft can be left with a bad credit record that can take months to correct. Here’s what you need to know about identity theft insurance and how to protect yourself.

What to know about identity theft insurance

Victims of identity theft can be left with a bad credit record that can take months to correct. Here’s what you need to know about identity theft insurance and how to protect yourself.

Ride-sharing services are popular and convenient, but here are three questions to ask before giving or requesting a ride.

Ride sharing: 3 questions to ask

Ride-sharing services are popular and convenient, but here are three questions to ask before giving or requesting a ride.

If your car is declared a total loss after an accident, you may be wondering about your options. Here are answers to three common questions.

My car was totaled! Now what?

If your car is declared a total loss after an accident, you may be wondering about your options. Here are answers to three common questions.

Hey, we know reviewing your insurance isn't the most fun way to spend an afternoon, but it beats cleaning out the garage. Here are some tips to get you started.

Your annual insurance review

Hey, we know reviewing your insurance isn't the most fun way to spend an afternoon, but it beats cleaning out the garage. Here are some tips to get you started.

Did you wake up with a sore throat but can’t get an appointment with your doctor? You have several options to get the care you need – and avoid a big bill later.

Care options and costs

Did you wake up with a sore throat but can’t get an appointment with your doctor? You have several options to get the care you need – and avoid a big bill later.

Rides like inflatables, rock walls, mobile mechanical rides, mechanical bulls, and trackless trains can provide your guests hours of amusement. Before renting an amusement ride, check out our five tips to help you have a safe event.

Renting amusement rides: 5 tips for a safe event

Rides like inflatables, rock walls, mobile mechanical rides, mechanical bulls, and trackless trains can provide your guests hours of amusement. Before renting an amusement ride, check out our five tips to help you have a safe event.

Before settling down with that hot cup of cocoa, make sure your home and car are ready for the cold weather. Here are six tips for protecting your family and property this winter.

Winter safety: 6 tips for your home and car

Before settling down with that hot cup of cocoa, make sure your home and car are ready for the cold weather. Here are six tips for protecting your family and property this winter.

Yes. The state of Texas requires all drivers – including motorcyclists – to prove financial responsibility for any accidents they may cause. In most cases this means buying a basic liability insurance policy.

Do motorcycles need to be insured?

Yes. The state of Texas requires all drivers – including motorcyclists – to prove financial responsibility for any accidents they may cause. In most cases this means buying a basic liability insurance policy.

Continuing education is required to keep your insurance license in good standing. It also keep you informed and helps you better serve Texas consumers.

What agents should know about continuing ed

Continuing education is required to keep your insurance license in good standing. It also keep you informed and helps you better serve Texas consumers.

Health insurance helps you get and pay for the care you need if you get sick or hurt. Here are five tips to make the most of your qualified health plan coverage.

Health insurance: 5 things you may not know

Health insurance helps you get and pay for the care you need if you get sick or hurt. Here are five tips to make the most of your qualified health plan coverage.

If you’re in the military, it’s a good idea to ask your insurance agent about possible deployment issues before you buy a policy. If you’re getting ready to deploy, here are some things to keep in mind.

Deploying? 5 things to know about your insurance

If you’re in the military, it’s a good idea to ask your insurance agent about possible deployment issues before you buy a policy. If you’re getting ready to deploy, here are some things to keep in mind.

Homeowners policies don't cover flood damage. Here are four things to know when deciding if you need flood insurance.

Flood insurance: 4 things to know

Homeowners policies don't cover flood damage. Here are four things to know when deciding if you need flood insurance.

Pet insurance can help cover the cost of expensive vet bills if your dog, cat, or other pet is injured or gets sick. Here’s what to ask when looking at plans.

5 questions to ask when buying pet insurance

Pet insurance can help cover the cost of expensive vet bills if your dog, cat, or other pet is injured or gets sick. Here’s what to ask when looking at plans.

Health insurance fraud leads to high costs for everyone. Watch our video to learn how you can help fight fraud.

Help us fight health insurance fraud

Health insurance fraud leads to high costs for everyone. Watch our video to learn how you can help fight fraud.

If you’re involved a wreck, there are several things you can do to protect yourself from fraud and scams.

Put the brakes on accident scams

If you’re involved a wreck, there are several things you can do to protect yourself from fraud and scams.

Your landlord’s insurance won’t cover your personal items, but renters insurance is usually very affordable.

Do you need renters insurance?

Your landlord’s insurance won’t cover your personal items, but renters insurance is usually very affordable.

Shopping for insurance can be a confusing maze of jargon, polices, and prices. We have a few tips to help you get the protection you need at the best price.

How to shop smart for insurance

Shopping for insurance can be a confusing maze of jargon, polices, and prices. We have a few tips to help you get the protection you need at the best price.

If you rent out your house, a room in your house, or rides in your car, there’s a good chance your personal insurance policy won’t cover any damage or injuries.

Home sharing: 3 questions to ask

If you rent out your house, a room in your house, or rides in your car, there’s a good chance your personal insurance policy won’t cover any damage or injuries.

Last updated: 4/13/2018