Monthly Archives: May 2010

The Texas Department of Insurance has indicated that many Dallas and Fort Worth area homeowners insured by State Farm are being hit with premium increases that are nearly triple the 13 percent hike the company indicated it was implementing statewide, … Continue reading →

Your Homeowners Insurance can insure your possessions in two ways.  Either for Replacements Cost Coverage or Actual Cash Value Coverage. An Actual Cash Value policy will pay the cost of replacing your items, in the event of a loss, minus … Continue reading →

Most Texas Homeowners Insurance Policies automatically provide coverage for your personal items inside the home for approximately 50% to 75% of the amount of coverage you carry on your dwelling or structure. The exact amount of your coverage will appear … Continue reading →

After a major disaster, such as a hurricane or tornado, building materials and construction workers are often in great demand. This temporary increase in demand can push up the cost of both materials and labor and in turn increase the … Continue reading →

The dwelling coverage on your Texas Homeowners Insurance policy covers the structure itself. You will need enough coverage to rebuild your home at current construction costs at the time of a loss. The cost of rebuilding could be more or … Continue reading →

This subject comes up a lot. The Texas Homeowners Insurance Policy is designed to rebuild your home new in the event of a total loss. Therefore, the amount you need to cover you home for is what it would cost … Continue reading →