Water damage is one of the most common and expensive homeowners insurance claims in Texas. But it is also one of the most misunderstood. Many Texas homeowners assume that if water damages their home, their insurance policy will automatically cover…
Shopping for home insurance in Texas can feel overwhelming. You see commercials for big-name insurance companies every day. Then you come across independent insurance brokers promising to “shop the market” for you. At first glance, the process looks almost identical.…
The Problem Most People Do Not Know They Have If you read our previous analysis of over 500 North Texas insurance policies, the numbers were hard to ignore. This is not a pricing issue. For most families, $400 to $600…
A North Texas driver is heading home on a normal afternoon. Traffic slows, they look down for a second, and rear-end the vehicle in front of them. Within weeks, medical bills, lost wages, and vehicle damage start adding up. Total…
Not long ago, a family in Keller reached out to us after their e-bike was stolen from their garage. They assumed their homeowners insurance would take care of it. After all, it was stored at home, and they had personal…
In 2026, standard Texas policies exclude sewer backups, leaving you unprotected against drain overflows or sump pump failures. To gain coverage, you must add a Water Backup endorsement. At Neill Insurance Brokers, we highly recommend this affordable add-on, as it…
To qualify for the best 2026 Texas rates on an older home, you must prove the “Big Four” systems—roof, electrical, plumbing, and HVAC—have been modernized. Insurers often require a new roof (under 15 years) and copper wiring to offer Replacement…
Quick Summary In partnership with Neill Insurance Brokers, this article explains the five essential homeowners insurance endorsements that most Texas homeowners lack, detailing what each covers, their typical costs, and the financial risks of not having them. It also guides…
Quick Summary This article explains when homeowners insurance in Texas covers mold damage, emphasizing that mold coverage depends on whether the underlying water damage is covered. It clarifies why most mold claims are denied due to slow leaks or maintenance…
Quick Summary This article, with insights from Neill Insurance Brokers, explains how wind and hail deductibles work in Texas homeowners insurance, highlighting why many homeowners face unexpectedly high out-of-pocket costs after storms. It details the common practice of setting deductibles…
