Knowledge Base
Find straight answers to the questions people actually ask before they switch. Guidance on home, auto, life and business insurance from an independent agent in Fort Worth, so you can compare coverage with confidence.
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Type a keyword, service, or question to find the answers that matter to you.
Explore Insurance Topics
Choose a category to jump straight to the coverage it belongs to. Each one is written for quick reading rather than for a brochure.
Home Insurance
Guidance for Fort Worth homeowners — rebuild cost, deductibles, hail.
Auto Insurance
Liability limits, add-ons, and what Texas minimums actually leave you exposed to.
Life Insurance
Term, whole and universal, and how to size the amount to your family.
Business Insurance
General liability, property, workers' comp and BOPs by industry.
What people ask most
Does my homeowners policy cover hail damage to the roof?
Almost always, but how it pays out varies. Replacement cost and actual cash value produce very different checks on the same roof.
What happens if I am hit by someone with no insurance?
Uninsured motorist coverage pays as if they carried the state minimum, or more depending on your limit.
How much life insurance do I actually need?
Enough to replace your income for as long as your family would depend on it, plus outstanding debt.
Do I need workers comp if I only have one employee?
In most cases yes. Texas is technically an exception for private employers, but going without removes your liability protection.
Should I raise my deductible to lower the premium?
Only to a number you could write a cheque for tomorrow.
Can you bundle home and auto?
Yes, and it's often where the largest savings show up.
Didn't find your answer?
Send the question directly. You will get a real reply, usually within one business day.