March 20 2026 Clinton D. Richey
How Climate Change and Severe Weather Are Reshaping Home Insurance Underwriting
If your home insurance premium increased or your policy now has new conditions, you’re not...
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March 12 2026 Clinton D. Richey
How to Lower Your Home Insurance Premium Without Sacrificing Coverage
Updated for 2026 to reflect current Texas insurance market conditions, including recent rate...
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March 5 2026 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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March 4 2026 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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March 3 2026 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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March 2 2026 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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March 1 2026 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 policy...
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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 Texas, sometimes...
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