Residential Property Insurance
Residential Property News
OPIC’s 2022 Achievements
OPIC worked hard for consumers this past year, reviewing over 1,200 rules, rates, and policy forms. We are a small, 10-person agency, but we did big things in 2022. We saved Texas consumers over $15 million this past year alone, so for every $1 OPIC received from the...
Ways to Resolve Your Claim Payment Disputes
If you file an insurance claim, and don’t think your insurance company is paying you enough to cover your damages, you have several different options to resolve the problem. If you and your insurer do not agree on the amount of your claim, first contact your adjuster...
5 Things Your Homeowners Insurance May Not Cover
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 home and fixing any...
Don’t Fall for These Common Insurance Scams
All Texans are impacted by insurance scams. Learn how to protect yourself.[dsm_text_divider header="General Insurance Scams" text_alignment="left" divider_style="dotted" divider_weight="4px" text_gap="0px" _builder_version="4.16" _module_preset="default"...
Know Your Coverage: Service Line Coverage
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
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...
10 Ways to Keep Your Home Protected While Traveling for the Holidays
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:[dsm_text_divider header="Maintain Home" text_alignment="left" divider_style="dotted"...
Preventing Damage from Water Heaters
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,...
Decoding Residential Property Deductibles
What is a deductible? A deductible is an amount the insurance company subtracts from your payment for damages caused by a covered loss. It is the amount you will be expected to pay if you repair or replace damaged property. You can find your deductible amounts on your...
Cheap Ways to Save Big on Claims
Damage from storms can be expensive — the average Hurricane Harvey residential property insurance claim was $13,000 and average flood insurance claim was $121,000 (TDI). However, it doesn’t have to cost much to help protect your home against storm damage. The better...
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1601 Congress Ave., Suite 3.500
Austin, Texas 78701
1-(877)-611-6742