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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October 9 2025 Clinton D. Richey
Understanding What Drives Home Insurance Costs
Homeowners across Texas often notice their insurance premiums changing year to year — sometimes...
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October 8 2025 Clinton D. Richey
How Your Credit Score Affects Home Insurance Rates in Texas (and How to Improve It)
Most Texas homeowners expect their premiums to rise because of things like hailstorms, hurricane...
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October 7 2025 Clinton D. Richey
What to Do If Your Home Insurance Is Non-Renewed or Canceled
Receiving a notice that your home insurance will end can feel like a setback. It often arrives...
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October 6 2025 Clinton D. Richey
Why Was My Home Insurance Canceled or Not Renewed?
Home insurance gives Texas homeowners a sense of security — until a letter arrives saying the...
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October 5 2025 Clinton D. Richey
The Difference Between HO2 and HO3 Home Insurance Policies
Choosing a homeowners insurance policy goes far beyond meeting a lender’s requirement. The type...
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October 4 2025 Clinton D. Richey
How a New Roof Can Lower Your Home Insurance
For many Texas homeowners, a roof is viewed as a barrier against rain and wind — but insurance...
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