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.
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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.
Texas apartment property rates are falling 5-15% in 2026 while liability keeps rising. Here’s what actually drives your cost per unit and how to lower it.
Texas caps church liability at $1 million per occurrence, but only if the church carries qualifying insurance. Here’s the coverage a Texas church actually needs.
Commercial auto is the one line still rising in 2026. Here’s what’s driving Texas truck insurance rates, including the TAIPA increase, and what a fleet can control.
Texas SB 458 created Insurance Code Ch. 1813 for home and auto appraisal, and TDI’s proposed rule adds deadlines and a required notice. What it means for your claim.
Texas does not require landlord insurance, but a homeowners policy will not cover a rental. The coverages, the Property Code duties, and the renters insurance clause.
