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Insurance FAQs

Straightforward answers to the most common questions we hear from Texas families and business owners. Insurance can feel confusing, but it doesn’t have to be. Below are simple explanations to help you make confident decisions about coverage, claims, and policy changes. If you don’t see the answer you’re looking for, our agents are always here to help.

Q: Does my homeowners policy cover flooding?
  • No. Flooding from rising water requires a separate flood insurance policy, even if you’re not in a flood zone.
  • Once a year is ideal, or any time you remodel, move, buy a new car, add drivers, or experience life changes.
  • Not always. It depends on the type of claim, amount of damage, and carrier. We can help you weigh the pros and cons before you file.
  • Yes. Many auto policies already include rental car coverage, but not all. Reach out before you rent to be sure.
  • It protects you from costly lawsuits related to injuries, accidents, and property damage, and many clients require it.
  • Texas doesn’t require it, but many contractors and business owners choose it to protect employees and avoid out-of-pocket injury costs.
  • It depends on the policy. We’ll review how the vehicle is used to make sure everything is properly covered.
  • It protects equipment, tools, and valuable movable property while on job sites or in transit.
  • Usually not. Farm equipment needs its own coverage or an endorsement to be protected on and off your property.
  • Yes, cattle, horses, show animals, and more. Rates depend on breed, value, and mortality risk.
  • In most cases, yes, bundling can simplify billing and may lower your total cost.
  • Yes, collectors typically get lower rates and higher protection when insured under an antique auto program.
  • Yes, we offer special event liability for venues, sports, nonprofit events, and more.
  • Yes, we can package equipment with general liability, commercial auto, workers comp, and property.

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