May 3, 2022 | 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...
Apr 13, 2022 | 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...
Mar 23, 2022 | 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...
Jan 18, 2022 | 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...
Dec 14, 2021 | Homepage, News, Residential Property
Are you traveling for the holidays and leaving your home unattended? Follow these tips to maintain your home, help prevent damage or theft, and help avoid insurance coverage issues: Maintain Home Keep your thermostat on. If it will be cold while you’re away, make...
Nov 4, 2021 | Homepage, News, Residential Property
Water damage from a broken or leaky water heater can be expensive and may not be covered by your insurance. Regular maintenance may help prevent a broken or leaky water heater. You may be able to do it yourself, or you can hire a plumber. For info on hiring a plumber,...
