When a personal auto policy stops covering business use in Texas, the 30/60/25 legal minimum, motor carrier thresholds, and why hired and non-owned coverage matters.
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Sudden and accidental water damage is usually covered; gradual leaks, flood, and sewer backup usually are not. What Texas policies pay, and the endorsements to add.
Step by step: reporting deadlines, documentation, the 15-day and 5-day rules your insurer must meet under Chapter 542, the two-check process, and disputing a low offer.
A Texas wind and hail deductible is a percentage of your dwelling limit, not of the loss. How it is calculated, why it grows every year, and how to lower it.
How Texas homeowners policies cover roof and hail damage: percentage deductibles, ACV roof schedules, cosmetic exclusions, claim deadlines, and how to lower the cost.
Habitational property rates are down 5-15% while casualty tightens and exclusions spread. What the class covers, why carriers left it, and how to get placed well.
Two statutes protect Texas church volunteers, and both stop short of protecting the church. Where the gaps are, including the driving exception most churches miss.
The Texas Dram Shop Act applies to hotels, and general liability excludes it. How Chapter 2 liability works, what the TABC safe harbor really does, and what to carry.
Your authority does not activate until an insurer files the right form. FMCSA and TxDMV filings, minimum limits, the MCS-90 trap, and what new carriers actually need.
Hotel insurance is eight coverages, and in 2026 the sexual misconduct and assault exclusions are the ones that matter. Plus Texas Ch. 114 training requirements.
