A Home Warranty Is Not Home Insurance: Which One Covers What in Texas

Sep 22, 2026

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Home warranty vs home insurance in Texas: one covers sudden damage, the other covers normal wear and tear. Here is which one handles what.

Ordinance or Law Coverage and the Older Texas Home

Sep 22, 2026

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in Medicare & Insurance

Ordinance or law coverage in a Texas home insurance policy pays the added cost of rebuilding to current code. Older DFW homes need it most. See how it works.

Texas Home Insurance Nonrenewal and Cancellation Notices

Sep 22, 2026

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in Medicare & Insurance

A Texas home insurance nonrenewal cancellation notice arrives with a clock already running. Learn which one you got and what the deadline is.

Scheduled Personal Property and Texas Home Insurance Sublimits

Sep 22, 2026

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in Medicare & Insurance

Home policies cap what they pay for jewelry, firearms, and art, and personal property claims often pay actual cash value first. Scheduling changes both.

HO-A, HO-B, or HO-3: Which Texas Homeowners Policy Form Do You Have?

Sep 22, 2026

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in Medicare & Insurance

HO-A, HO-B, and HO-3 are not three versions of the same policy. The form name tells you whether your Texas home is covered on open perils or named perils.

Replacement Cost vs. Actual Cash Value in Texas Home Insurance

Sep 22, 2026

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in Medicare & Insurance

Same roof, same storm, different payout. The replacement cost vs actual cash value clause on a Texas home policy sets your real out-of-pocket cost after hail.