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Hemphill Insurance Agency Blog: homeowners

View the latest blog posts from Hemphill Insurance Agency.

Flood and rising waters are not covered on Texas homeowners policies.  In order to get coverage for flood, you must buy a separate policy through the the federal government's National Flood Insurance Program (NFIP) which is a division of FEMA. READ MORE >>

For most of us, our home is our biggest investment.  Homeowners insurance protects you from financial loss to your home from a covered loss.  It is important to know what's covered and what's not.  This article deals with some common questions about homeowners insurance in Texas. READ MORE >>

If you are a homeowner in Benbrook there is good news.  Effective August 1, 2013, the Insurance Service Office (ISO) has upgraded Benbrook from a Public Protection Class (PPC) 4 to PPC 3 in recognition of improvements in fire suppression and control resources in the community. READ MORE >>

The Fort Worth Star Telegram recently had Mike Hale, President of the Arlington Board of Realtors to write about frequently asked questions from first time home buyers.  He focused on four including questions about timing, how to start the home buying process, basics on the different types of mortgages, and what to offer for a house. READ MORE >>

Do you know how much the deductible is on your homeowners insurance policy? It pays to know.  There is a trend among Texas insurance companies to raise your deductible, particularly your wind and hail deductible.  If your insurance company has recently raised your deductible, it may be time to shop. READ MORE >>

Home Insurance premiums are going up these days in Texas.  You may see real savings, though, if you will take a few minutes to check around and make sure that you are getting all the discounts available.  Below is a brief discussion on some discounts available on homeowners insurance. READ MORE >>

It is important to know whether your Home Insurance affords Replacement Cost or only settles losses for their Actual Cash Value. Replacement Cost is what you would pay to rebuild or repair your home, based on current construction costs. Replacement cost is different from market value and does not include the value of your land. READ MORE >>

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Royal Lane Enterprises, Inc. dba Hemphill Insurance Agency
Texas Department of Insurance Agent License #7191