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 5 2025 Clinton D. Richey
The Difference Between HO2 and HO3 Home Insurance Policies
Reviewed and updated for 2026 by the licensed Texas insurance advisors at Richey Insurance...
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October 4 2025 Clinton D. Richey
How a New Roof Can Lower Your Home Insurance
Updated for 2026 to reflect current Texas underwriting trends, claim data, and market...
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September 28 2025 Clinton D. Richey
What Windstorm Insurance Doesn’t Cover
For many Texas homeowners, windstorm insurance provides peace of mind during hurricane season and...
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September 26 2025 Clinton D. Richey
How Windstorm Insurance Deductibles and Triggers Work
In Texas, homeowners know that high winds, hail, and hurricanes are part of life near the Gulf...
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September 24 2025 Clinton D. Richey
What Happens During A Windstorm Inspection – And What If Your Home Doesn’t Pass?
Texas homeowners along the coast and in wind-prone areas often hear about “windstorm...
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September 23 2025 Clinton D. Richey
How to Get a WPI-8 Certificate (Proof of Windstorm Compliance)
For homeowners along the Texas coast, strong winds and hurricanes aren’t a distant threat;...
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September 22 2025 Clinton D. Richey
Which Texas Homes and Counties Need a WPI-8 Certificate?
For many Texas homeowners, the phrase “WPI-8 certificate” comes up during a home purchase,...
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