Use our tips to get the best deal on insurance, protect yourself from fraud, and learn what to do when you have a problem.
We can help with issues you’re having with your insurance company, agent, or adjuster. And learn about the most common complaints we receive.
File an insurance claim as soon as you can if hail or strong winds damaged your home or car.
Learn about hiring a public adjuster if your homeowners claim is denied or you think your insurance company should pay more for repairs.
Learn ways to avoid costly mistakes when you use your health insurance and go to the doctor.
Learn about your options if you’re shopping for homeowners insurance for your manufactured home.
Ask your insurance company if you’re getting all the home insurance discounts you qualify for. Here are some of the most common discounts.
Did your homeowners premium go up? Use these tips to see if you can get a lower rate.
Windstorm insurance pays to repair or rebuild your house if it’s damaged by hail or wind, from a tornado, thunderstorm, or hurricane. Some people call it hurricane insurance.
Five steps to help you understand the claims process for home and auto insurance claims.
You can buy disability insurance to replace part of your income if you get hurt or sick and can’t work.
Steps to take when you think the other driver caused your accident but you’re not sure what to do next.
Ask yourself some questions about your insurance to make sure you have the coverage you need when you retire.
Tips to make sure you get what you pay for when health plan shopping.
Before you buy your boxes and pack up, take some time to get your insurance in order and learn how it might work differently here. It will be one thing you can check off your to-do list.
Discover practical strategies for reducing your car insurance premium and saving money. Learn tips and tricks for lowering your car insurance costs today.
Tips for yourself or a family member moving into a continuing care retirement community (CCRC).
Be sure you have the insurance coverage you need for your RV or motorhome.
With the cost of nearly everything increasing, it’s a good time to look at your insurance to be sure you have enough auto and home coverage.
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.
Private mortgage insurance protects your lender if you stop making mortgage payments.
Most wildfires start with someone being careless. Make sure you know when you can burn outdoors and how to do so safely.
Texas gets more tornadoes than any other state. When a tornado is coming, your only priority should be to get to a safe place. But there are things you can do ahead of time to prepare your home for these dangerous storms.
When it comes to making a quick buck, scammers don’t care who they victimize. We’ve compiled a list of common scams to avoid.
Summers in Texas can be scorchers. Prepare your house and your family to be ready for the next heat wave.
You can save money on your house and car insurance by deterring criminals and preventing accidents.
Building or renovating a house can be exciting and expensive. And you might be nervous thinking about everything that could go wrong. Asking your contractor to buy a surety bond could give you peace of mind.
When it comes to making a quick buck, scammers don’t care who they victimize. Here are two common scams that target older adults and tips to help avoid them.
Getting discounts is a great way to save on your auto insurance. Your company should sign you up for the discounts you qualify for, but it never hurts to ask about them and make sure. Companies don’t always offer the same discounts, but here are some common types you might get.
Before settling in for winter, prepare the inside and outside of your home.
How to protect your home and property in freezing weather.
Did you ignore that email or letter about renewing your homeowners insurance? Read it to make sure you’re not being overcharged or getting less coverage than you need.
Four million Texans can buy, switch, or drop plans during the Medicare open enrollment period from October 15 to December 7. And you can bet scammers will be on the prowl. Use our tips to avoid becoming a victim.
If you’ve turned restaurant or package delivery into a side hustle or a full-time job, make sure you have the right auto insurance coverage. Here’s what to ask.
Do you run a small daycare out of your home? If you do, or you’re thinking about starting one, here’s what you need to know about insurance.
Will your auto insurance cover an accident if you’re in a carpool? Ask these four questions to find out.
Pet safety in fires; tips to keep dogs, cats and pets safe from fire.
If there’s a new teen driver in your household, you need to insure them. Adding a teen driver to your policy can be expensive, so check with your agent or insurance company first. They’ll help you find discounts and other ways to save money. Here’s what you need to know.
A standard homeowners or renters insurance policy may not cover collectibles and rare items. We explain how to insure them.
With many used car and truck sales taking place on an app or online, a lot can go wrong. Here are tips for avoiding auto scams.
Nearly all alarm failures are caused by missing or dead batteries. A working smoke alarm cuts your risk of dying in a home fire in half.
Carbon monoxide is an invisible killer. See why you need to get and maintain detectors in your home.
Your home policy pays for damages from fire, tornadoes, hailstorms, and theft. But it doesn’t pay for repairs caused by other issues. Here are five things it doesn’t cover.
If you use social media, you could be a target for identity theft. You can buy identity theft insurance – or it might be included in your homeowners or renters policy. But taking simple steps to protect your social media accounts can help you avoid most scams.
An ambulance ride can be expensive, especially if the ambulance service isn’t in your health plan network. Here are some things to consider ahead of time.
Running a home business? Your home policy may not cover all the equipment you rely on or injuries to your employees and customers. Here’s what you need to know.
Water damage to your home can be expensive and time-consuming to repair. Here’s what you need to know about your insurance coverage and how to prevent more damage.
A home fire can be devastating. The good news is most fires are preventable. Here are simple steps you can take to protect your family from fire.
Common sense prevention can help keep your vehicle and the things in it safer. But what happens if thieves break in or steal your ride? Here’s what you need to know.
Avoid these big mistakes to save money and get the coverage you need.
Many Texans use small vehicles to get around for work and play. Maybe you use an all-terrain vehicle (ATV) when you go hunting or a golf cart for short trips in your neighborhood.
The holidays often come with wintry weather. Whether you’re celebrating or trying to keep warm, keep these fire safety tips in mind. They can save lives and protect your property.
A space heater can be a cost-effective way to stay warm, but it can also be a fire hazard. In the last few years, several fatal fires in Texas were started by space heaters. Here are tips for keeping your family safe.
Not sure if an illness or injury is serious? Can't get a same-day appointment with your doctor? Telehealth might be a good option for you. Telehealth includes all the ways you can interact with a medical professional without being in the same room. Here’s what you need to know.
If it can rain, it can flood. And your home insurance policy doesn’t cover flood damage. To make sure your property is covered, you’ll need a separate flood policy.
If you lose power, having a portable generator can be a life saver. But if you don’t use your generator properly, it can be deadly.
Would your family know what to do if they woke up to the sound of an alarm with smoke all around? You need a fire escape plan to get everyone out quickly and safely.
A life insurance policy, whether it’s a term life or whole life policy, is your personal property. You can sell it just as you would anything else you own, but there are some things to consider.
These six suggestions can help you trim your insurance costs and stretch your budget.
The Texas Department of Insurance is offering a helping hand to those serving our country. Here are some incentives Texas offers insurance professionals in the military:
It depends on the type of claim and how many you file. But, yes, your home and auto premiums can go up if you file claims. You could also lose any discounts you’re getting for being claim free.
Many auto insurance companies offer policies that adjust what you pay based on how much you drive or how well you drive. Here are some things to know when deciding if this type of policy is right for you.
Learn about the differences between all-risk policies and named perils policies in homeowners insurance.
There are several simple steps you can take to protect your home from a wildfire. Make each of these a weekend project, and you’ll be ready in no time.
Hurricane season begins June 1. Is your home ready? Here’s what you need to know before the next storm heads your way.
Cooking fires are the leading cause of home fires and home injuries, according to the National Fire Protection Association. Follow these tips to stay safe.
Whether you’ve landed the job of your dreams or you’re ready for a career change, don’t forget to think about how changing jobs could affect your insurance.
Whether you’re buying a policy for the first time or shopping for a better deal, choosing an agent or company can seem overwhelming. But we can help.
Most insurance companies only sell health plans during an open enrollment period that starts in November. There are other options if you need health insurance.
Asking a few questions about your health insurance and knowing your options can protect your wallet after a doctor’s visit.
Patients get surprise medical bills if they get care outside their health plan’s network without realizing it. For example, you will probably pick a surgeon in your plan’s network. But you may not be asked about the anesthesiologist. State and federal laws protect patients from surprise medical bills.
No. A deductible is part of your home insurance policy. It’s illegal for contractors to waive your deductible or help you avoid paying it.
Even in Texas, winter weather can turn your daily commute into an icy obstacle course. These tips can help you stay safe if you take to the road in the cold.
Wondering how much it will cost to insure that home you’re thinking of buying? Or why you’re paying more for home insurance than your neighbor? You may want to check the property’s history of insurance claims.
Title insurance protects you from problems with an ownership title when you buy real estate. These may be problems that existed before the purchase, such as: (1) unpaid property taxes, (2) fraud or forgery of previous paperwork, or (3) a spouse or unknown heir who claims they own the property.
If you’re shopping for home insurance, here are five questions you should ask about every policy you consider.
RVs, motorhomes, and campers can help you feel at home when you’re on the road. But because you can use them for living as well as traveling, there are unique fire safety issues to keep in mind.
Most home insurance policies pay to repair or replace your damaged home and items based on current costs. This allows you to rebuild, make repairs, and replace things with items similar to your damaged items. This is called replacement cost coverage.
Traditional health insurance, the kind you get through your employer or buy on Healthcare.gov, covers a wide range of services if you get sick or hurt. This is called major medical or comprehensive health insurance.
Could you rebuild if a tornado or fire destroys your home? Some experts say half of all homes may not have enough insurance. Here are tips to make sure you have the right amount of coverage.
Some rental car companies will offer to sell you insurance when you rent a car on vacation. Should you buy it? Here’s what you need to know before you pay for their coverage.
If you keep furniture, collectibles, or valuables in a self-storage unit, you may want to buy extra insurance for them. Here are some tips on insuring belongings you don’t keep at home.
It’s bad enough when you’re in a car wreck. But it can be much worse if the driver who caused the accident doesn’t have insurance or doesn’t have enough insurance. Uninsured motorist coverage can help.
Maybe, but only if your car is worth less than what you owe on your car loan. Here are some common questions about gap insurance.
Collisions and mechanical failures cause most car fires. Passenger compartment fires are less common but can be more frightening. Here’s what to do if your car is on fire, and tips for preventing fires.
If you’re trying to quit smoking or lose weight, your health plan may be able to help. Most health plans in Texas have tools and programs to help your reach those goals. Here are tips for the most common health goals.
Considering a career in insurance? You’ll need to get an agent or adjuster license. Here are some tips for getting a license and starting a career.
Electric scooter rentals are popular in Texas’ big cities and near college campuses. If you’ve been using one or want to try it, here’s what you need to know about scooters and insurance.
If your health plan covers mental health issues, the law requires it to give the same level of benefits, such as the number of office visits, as it does for a physical illness or injury. This is known as mental health parity. Here’s what else you should know about parity and getting help.
Going to the doctor can be hard on your mailbox. One of the many documents you’ll get after a health care visit is an explanation of benefits, often called an EOB. What is it, and why is it important?
You found an apartment or high-rise in your price range and the location is great. When you’re checking out the space, take a few minutes to check the fire safety features. And make sure you learn the building evacuation plan.
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.
Were you in a wreck? We explain what to do at the scene and after you get home.
If you hear thunder, find shelter fast. Lightning strikes kill more Americans than hurricanes most years, according to the National Oceanic and Atmospheric Administration (NOAA). Here are some tips for staying safe in a thunderstorm.
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.
Your roof is the first line of defense against severe weather. In Texas, a roof can take a beating from the weather, so here’s what you need to know when you buy a home insurance policy, file a claim, or replace 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.
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.
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 Help Line at 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.
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.
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.
Here are some things to know about deductibles when deciding what policy to buy.
Out-of-town scam artists may be the first to arrive at your front door after a disaster. To protect what you invest in repairs, hire local contractors, get written bids, and check references. Use these tips to avoid problems.
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.
Fireworks are a big part of many holiday celebrations, but they also can be dangerous. For the best and safest experience, look for a professional show in your community. Here's what you need to know about using fireworks.
Not all travel insurance is the same. Some policies only cover certain kinds of trip cancellations. Here are some questions to help you decide if you need travel insurance and what kind of policy will work best for your trip.
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.
Bringing a child into your life can be joyous, but it’s also hectic. Here are some tips to help you get your insurance in order. Diaper changing is on 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.
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.
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.
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.
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 keeps you informed and helps you better serve Texas consumers. Stay current with your requirements to avoid penalties.
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.
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.
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.
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.