The Texas Hill Country is breathtaking—cedar-covered ridgelines, limestone canyons, live oak savannas. It’s also increasingly vulnerable to wildfire. As more Texans build homes in the Wildland-Urban Interface (WUI)—the zone where development meets natural vegetation—the insurance consequences have become significant. Understanding…
Most professional liability, malpractice, and cyber policies are written on a claims-made basis. Most general liability policies are occurrence. The difference sounds like fine print until you change jobs, retire, or switch carriers, and then it decides whether a claim…
For the first time in years, Texas homeowners insurance is getting cheaper for a lot of people. The Texas Department of Insurance said in October 2026 that most carriers filing rate changes since July proposed decreases, averaging about 4 percent,…
Usually, yes, even if your employer covers you. An employer’s malpractice policy is written to protect the employer. It often covers you too, but only while you work there, only for the work you do for them, and with limits…
No. A standard general liability policy covers bodily injury and property damage you cause to other people. It does not cover a data breach, a ransomware attack, or the cost of telling your patients or clients that their information was…
Part of our Vehicle Insurance Deep Dive series Golf carts aren’t just for the fairway anymore. In communities like Lakeway, Rough Hollow, Steiner Ranch, and several other master-planned neighborhoods around Austin, golf carts roll through streets, across shared pathways, and…
Part of our Vehicle Insurance Deep Dive series A Lamborghini Huracán. A Porsche 911 GT3. A Ferrari Roma. These vehicles don’t belong in a standard auto insurance policy-and the gap between what a generic policy pays and what your exotic…
Part of our Vehicle Insurance Deep Dive series Texas is tailor-made for off-road adventures. From the Hill Country to East Texas trails and West Texas ranch land, ATVs, UTVs, and dirt bikes are a way of life for thousands of…
Part of our Vehicle Insurance Deep Dive series Austin’s rideshare economy is booming. Whether you drive for Uber, Lyft, or both to supplement income or as a primary gig, there’s a coverage gap most drivers don’t discover until it’s too…
Part of our Vehicle Insurance Deep Dive series The moment you hand your teenager the car keys is a milestone — and a financial reckoning. Adding a teen driver to your auto policy is one of the most significant premium…