February 7 2026 Clinton D. Richey
Key Statistics on Homeowners Insurance in Texas 2025
Updated for 2026 using the latest data from the Texas Department of Insurance and leading...
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February 6 2026 Clinton D. Richey
When Does Insurance Cover Water Damage and Mold?
Reviewed and updated in 2026 by the licensed insurance professionals at Richey Insurance Agency to...
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February 6 2026 Clinton D. Richey
Why Home Insurance Costs in Texas Are Rising and How to Lower Yours
Over the past few years, we’ve had the same conversation with homeowners across...
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February 3 2026 Clinton D. Richey
Excess Liability vs. Umbrella Insurance: Key Differences
Updated for 2026 based on current liability coverage standards and real client cases we handle at...
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January 23 2026 Clinton D. Richey
Landlord Insurance Statistics You Should Know in 2026
Updated for 2026 by Richey Insurance Agency, based on current carrier pricing, underwriting...
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January 15 2026 Clinton D. Richey
Named Perils vs. Open Perils Insurance: What’s Actually Covered—and What Isn’t
When people ask us about named perils versus open perils, they’re usually trying to answer one...
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October 14 2025 Clinton D. Richey
How Climate Change and Severe Weather Are Reshaping Home Insurance Underwriting
Texas homeowners are seeing a shift in the way insurance companies evaluate risk—and the reason...
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October 13 2025 Clinton D. Richey
How to Lower Your Home Insurance Premium Without Sacrificing Coverage
Home insurance has become noticeably more expensive across Texas, and many homeowners are now...
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October 12 2025 Clinton D. Richey
HO-5 vs. HO-3 vs. HO-A/B Policies: Choosing the Right Homeowners Form
In Texas, two homeowners can live on the same street, carry the same insurance company, and still...
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October 10 2025 Clinton D. Richey
Replacement Cost vs. Actual Cash Value: Which Settlement Option Is Right for You?
When a home is damaged, the difference between being made whole and paying thousands out of pocket...
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