by EJ Nadolny | Jun 9, 2026 | Home Insurance
Home Insurance · Policy TypesWhat Is an HO-5 Insurance Policy? (2026 Guide)An HO-5 is a premium homeowners policy that covers both your dwelling and personal property on an open peril basis. Unlike an HO-3, which limits personal property to 16 named perils, an...
by EJ Nadolny | Jun 9, 2026 | Home Insurance
Home Insurance · Policy TypesWhat Is an HO-3 Insurance Policy? (Complete Guide for 2026)An HO-3 is the standard homeowners insurance policy in the United States. It covers your dwelling on an open peril basis — meaning everything is covered unless specifically...
by EJ Nadolny | May 30, 2026 | Home Insurance
Home Insurance · HOA Master PolicyHOA Master Policy and Condo Insurance in Texas: What the Association Covers and What You Still NeedYour Texas HOA or condo association carries a master insurance policy that covers the building structure, common areas, and...
by EJ Nadolny | May 29, 2026 | Home Insurance
Home Insurance · Jewelry & ValuablesJewelry and Valuable Items Insurance in Texas: Sublimits, Scheduling, and How to Actually Protect What You OwnYour Texas homeowners policy caps jewelry coverage at $1,500 to $2,500 per item and limits total theft payouts for...
by EJ Nadolny | May 28, 2026 | Home Insurance
Home Insurance · Dog Bite LiabilityDog Bite Liability and Texas Homeowners Insurance: Breed Restrictions, Coverage Limits, and What a Bite Claim Actually CostsDog bite claims are the most expensive liability category in Texas homeowners insurance, averaging...
by EJ Nadolny | May 27, 2026 | Home Insurance
Home Insurance · Pool LiabilitySwimming Pool Liability Insurance in Texas: What Homeowners Need to Know Before Someone Gets HurtA swimming pool is the single largest liability exposure on a Texas residential property. Drowning is the leading cause of...
