Your Options After a Total Loss

Auto, Homepage, News

If you get into a car accident and the insurance company declares your vehicle a “total loss,” that means that your vehicle costs more to fix than to replace. Keep in mind that insurance companies not only consider the cost to repair the vehicle, they often: include...

How Cost-Sharing Works in Health Insurance

Health, Homepage, News

When you get medical care, you and your health plan share the costs. Your health insurance pays for some of the costs, and you pay for the rest. You will usually pay one, or more, of these:  Premium You pay a certain amount of money each month for your health...

5 Things Your Homeowners Insurance May Not Cover

Flood, Homepage, News, Residential Property

 1. Wear and Tear Your homeowners insurance usually won’t pay for wear and tear to your home. For example, worn roofs, leaky windows, and overgrown or dead trees are not covered by your policy. The best way to avoid costly damage is to prevent it by maintaining your...

Don’t Fall for These Common Insurance Scams

Auto, Health, Homepage, Life, News, Residential Property

All Texans are impacted by insurance scams. Learn how to protect yourself. General Insurance Scams Unlicensed insurance. It is illegal to sell insurance in Texas without a license. Surplus lines carriers are the only exception. But surplus lines carriers must still...

Know Your Coverage: Service Line Coverage

Homepage, News, Residential Property

Service line coverage is a specialized type of coverage in residential property insurance. It covers the cost of repairing or replacing utility lines, excavation, and landscape restoration in the event of a loss. This coverage is not usually offered in the base...

OPIC’s 2021 Achievements

Auto, Flood, Health, Homepage, News, Residential Property

OPIC worked hard for consumers this past year, analyzing over 1,100 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2021. We saved Texas consumers over $11.4 million last year alone, so for every $1 OPIC received from the...