Have you noticed your cereal box getting smaller as the price increases? Have you noticed that you need to pay extra money to buy frozen pizzas with the best ingredients? Have you noticed that modern plastic automobiles are frequently “totaled” after just one accident?

Just as so many other things, some Texas homeowners insurance policies are becoming a bit less valuable over time. Insurance rates may continue to climb, but your coverage is not as “comprehensive” as it used to be. Are Texas homeowners insurance policies becoming much more specific?

The Texas Watch Consumers Protection Association had conducted research on 2003 changes in Texas insurance laws. It noted that heretofore, most Texas homeowners insurance policies had used one of three standard forms, including the HO-B comprehensive form.

The beauty of comprehensive coverage was that it was a nice general catch-all. Comprehensive coverage included all potential house damage “unless specifically excluded.” The modern comprehensive insurance might not cover as much as older policies.

Texas Watch found that in 2001, 96% of Texans used the comprehensive HO-B insurance policy and in 2003, this number had dropped to 15%. The Texas Office of Public Insurance Counsel stated that there were over thirty homeowners insurance forms available in the state in 2003.

Why were more forms needed? The change that occurred in Texas homeowners insurance involved the removal of some very common protections from the comprehensive coverage and the creation of more “named peril” coverage.

In the “named” homeowners insurance policies, you will only be protected if the danger is specifically “listed, identified or named.” Of course, it is very difficult to “specifically name” each and every danger to your property. In some respects, it connotes an attempt to predict the future with a crystal ball.

Understanding your homeowners insurance policy has become much more difficult. Some of the most common unforeseeable events that were removed from the comprehensive coverage include the following:

Glass Breakage
Malfunctioning HVAC
Sewer Backup

Unfortunately, each of these dangers are actually quite common claims made on Texas homeowners insurance policies. These may or may not be “specifically named” on your home insurance policy. So, read the fine print.

Foundation coverage is a common homeowners insurance policy concern. Cracks to your walls and foundation are now listed under earthquake coverage. Some insurance experts want to create sub-categories for natural earthquakes versus man-made earthquakes (i.e. construction equipment vibrations or fracking).

Texas Watch also found that payouts for different problems was reduced also. Coverage for Additional Living Expenses (ALE) – when you must move out because your home was damaged so badly – was cut in half. Named perils makes it more difficult to win a claim.

So what can you do? Read your insurance policy carefully. Try to determine what exactly is listed in a comprehensive policy. If you have specific concerns, you might want to purchase additional policies or add them “by name.”

Reference: https://www.texasquotes.com/homeowners-insurance/

Finding cheap car insurance in Texas may seem like a daunting task. There are so many options and every broker you call seems to give you the same results. You’re already paying for the car, so you need the monthly payment to be as low as possible. Fear not, options do exist.

One must also consider the part of Texas where they live. Houston may have different rates than Austin; Dallas will differ from San Antonio. The below information will be broken down in such a way that the cheap car insurance rates in the overall state will be distinguished from the rates of individual cities. Don’t worry, cheap car insurance is not as hard to come by as you may imagine.


These rates for cheap car insurance in Texas have been averaged between single and married drivers, taking the entire state into consideration. Bear in mind, these rates do not reflect the rate you will be offered based on your driving history, marital status, and make and model of your car.

– USAA. This option is only for military, former military, or the family of military. Yet, for cheap car insurance, USAA stands above the rest. Their average rate is $497 a year.
– Allstate. This is a popular auto insurance company, and serving the greater Texas area is no different. Allstate gives driver an average of $589 per year.
– Foremost. This cheap car insurance company hits the mark at $654 each year.
– Farmers. Another option for Texas drivers, hitting an average of $668 per year.
– GEICO. This is another popular car insurance option worldwide and also within Texas. This insurance company ranks at $668 each year, the same as Farmers.

The average for yearly rates for all auto insurance companies in Texas is $885 per year. As you can see, the above companies fall well below. What follows is a break down of the individual rates per city.


The cheap car insurance companies in Dallas differ from the overall picture of Texas. Below is cheapest rates, beginning with the highest per age group and ending with the lowest.

– Direct General. For single males of 30, the rate is $483. For married females aged 65, the average is $319.
– GEICO. Single males, 30: $501. Married females, 65: $390.
– Farmers. Single males, 30: $558. Married females, 65: $467.

The average yearly payment for Dallas is an average of $1,134. Make sure you chose the right company, where you can pay one-third of that.


– Direct General. Single males, 30: $386. Married females, 65: $275.
– GEICO. Single males, 30: $445. Married females, 65: $314.

Austin’s average is roughly $1,040 each year. Finding the cheap car insurance in Austin is a priority, in order to avoid such a high premium.


– GEICO. Single males, 30: $497. Married females, 65: $323.
– Direct General. Single males 30: $579. Married females, 65: $467.

The average for Houston is $1,206 per year. This is a far-cry from the cheap car insurance rates found in the above companies.

San Antonio

The cheap car insurance rates in San Antonio are presented by the same two companies mentioned above, Direct General and GEICO.

– Direct General. Single males, 30: $400. Married females, 65: $321.
– GEICO. Single males, 30: $491. Married females, 65: $341.

San Antonio’s yearly average for car insurance rates hits about $1,100.

Final Word

As you can see, the big cities in Texas have different averages for cheap car insurance than when looking at Texas as a whole. Direct General didn’t even make the list for the average of the state, while it ranks either first or second across the big cities mentioned above. Cheap car insurance in Texas is not the most difficult thing in the world to find. Call the different brokers, and find the deal that is easiest on your wallet. This list can only serve as a guideline, finding cheap car insurance is dependent upon many factors.

Reference: https://www.texasquotes.com/cheap-car-insurance/

Will Your Insurance Still Be In Effect in 2016?

If you have health insurance through Blue Cross Blue Shield of Texas, then the answer is… maybe. That answer will depend on what type of insurance you currently have in place. A lot of people in Texas have opted for a PPO plan. This type of health insurance plan offers more freedom than an HMO plan. People who want to make sure that they can choose their doctors often enroll in PPO plans in order to keep their current physicians instead of having to choose from a restricted network of doctors. The downside of choosing a PPO is that it’s more expensive than an HMO, but many people feel that’s a trade off they are willing to make in order to keep a physician that they feel comfortable with and trust.

So why might you lose your current health insurance plan?

Blue Cross Blue Shield of Texas is currently doing away with their PPO plans for individuals. What does this mean for you? That depends on your current health insurance. If you have an HMO and not a PPO, then there’s no need to worry about anything. The HMO health insurance plans are staying firmly in place. Likewise, if you bought your health insurance plan before March 23, 2010, then your plan is “grandfathered in”. That means that they will allow you to keep your plan in effect. If you have PPO health insurance through your job you can breathe a sigh of relief. The discontinuation of PPO health plans only affects individual plans, not groups. If, however, you are an individual with a PPO health insurance plan through Blue Cross Blue Shield of Texas, then now is the time to start thinking about the future of your health insurance.

Why is Blue Cross Blue Shield of Texas ending their PPO plans?

In simple terms, the plans were not sustainable. Blue Cross Blue Shield of Texas found that they were paying out way more in claims than they were able to bring in with premiums. In other words, they were losing money. No insurance company can stay afloat while losing millions each year, so this became the only alternative.

Will you lose your health insurance immediately?

No. Your current plan is good until the end of 2015. In Texas you may have purchased your health insurance plan through the federal government’s website, Healthcare.gov. If that is where you purchased your health insurance then don’t forget that your open enrollment period starts November 1, 2015 and runs through January 31, 2016. The new plans will be available for you to start comparing in October 2015. It’s a good idea to take a look at what’s available as early as possible so that you can research plans and choose one that you’ll be comfortable with purchasing.

Will I be able to keep my current doctor when I switch health plans?

That depends on your doctor. There are many doctors who work with both HMO plans and PPO plans. If your doctor does not belong to an HMO network, then you might have to find a new physician. Ask for referrals from coworkers, family or friends, then check to see what health insurance plans they accept. You might just find a great new doctor you’ll love.

So now what?

Right now it’s a waiting game. You cannot examine the new health insurance plans until October, but you can start researching doctors now. That way you can make an informed decision when it’s time to enroll.

References: https://www.texasquotes.com/health-insurance/