As home values and rebuilding costs continue to change, many homeowners may not realize their insurance coverage hasn’t kept pace. Even without major changes to your home, the cost to rebuild today may be significantly higher than when your policy was first written. Replacement Cost vs. Market Value Your home’s…
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When Storms Hit: What Your Insurance Actually Covers
As spring storms roll across Texas, many homeowners assume they are fully protected, until a claim reveals otherwise. April is one of the most active months for wind, hail, and water-related losses, making it critical to understand exactly how your policy responds. Wind & Hail Damage Most homeowners policies include…
