The Texas Insurance Buyer’s Guide
What most Texans don’t know about the coverage they’re paying for — and how to actually compare policies before you sign.
- Homeowners — the 4 gaps most HO-3 policies leave open in Texas
- Auto — why Texas state-minimum liability is a trap
- Business — the 5 coverages every Texas SMB should carry
- Umbrella — the cheapest million you’ll ever buy
- 10 Questions to ask any agent before signing
The Texas Insurance Buyer’s Guide
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What’s Inside
Five sections, written specifically for Texas coverage realities — from windstorm exclusions to MUD-district flood risk.
1 · Homeowners
Windstorm, flood, foundation movement, and RCV-vs-ACV — the 4 gaps most Texas HO-3 policies leave wide open.
2 · Auto Insurance
Why 30/60/25 state minimums are a trap, what limits we actually recommend, and the uninsured-motorist math most Texans miss.
3 · Business Insurance
General Liability, E&O, Cyber, Workers Comp, and BOPs — the 5 coverages every Texas SMB needs to survive one bad lawsuit.
4 · Umbrella Coverage
$1M of personal umbrella for ~$300/year — who needs it, why the ROI math is obvious, and what it actually covers.
5 · 10 Questions
Print this page, ask every question, note every answer. If your agent can’t answer them — that is itself the answer.
