DP stands for Dwelling policy. HO stands for homeowner policy. Number denotes the policy type (DP1, DP3 etc,). T stands for Texas. DPs are basic dwelling coverage, often for non- owner occupied. While HOs are for owner -occupied policies. The biggest difference between TDP1 and TDP3 are covered perils. TDP1 is for named perils, TDP3 is comprehensive perils. In layman’s term: TDP1 only covers named perils in policy document, such as fire, wind, hail etc. While TDP3 covers all perils except excluded perils, such as earthquake, volcano eruptions.

Get a Texas Auto insurance is the first step you need do before getting inspection, changing your license plate and driver license. Waiting time to get these change could take very long time now. Make sure getting the right steps to avoid any additional time wasted. Consult our agents for detail procedure.

First step is to turn off the water source and call a licensed plumber to stop the pipe leak. Then call insurance claim department to report the incident. Contact your agent to discuss the coverage if you are not sure what kind of coverage you have.

Insurance is a transfer of risk of loss from an individual or a business entity to an insurance company, which, in turn, spreads the costs of unexpected losses to many individuals. If there were no insurance mechanism, the cost of a loss would have to be borne solely by the individual who suffered the loss. Factors seemingly unrelated to insurance could contributes to rate increase such as inflation, building material increases, natural disaster, etc.

There are three types student coverage on your auto policy. 1. Student away from home more than 100miles, without car. 2. Student away from home with car. 3. Excluded Student. Cost is different on each option. Please discuss with your agent to set a right policy.

Dog bites are included with your basic liability coverage. However, dogs that have a history of bites are considered “vicious” and will be excluded from coverage. Consult with your agent before issue the policy.

Vehicle insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects.

There are 4 steps to title and register your vehicle in Texas as a new Texas resident. The steps must be followed in the order listed:
Step 1: Obtain Texas vehicle insurance
Some out-of-state insurance policies may be acceptable. However, Insurance from one of the 12 no-fault states are not acceptable. you must show you have insurance coverage for a minimum of $30k/60k/25k.
Step 2: Obtain a Texas vehicle inspection at any state inspection station within your new county of residence. Proof of vehicle insurance will be required at the time of inspection
Step 3: Apply for a Texas title and/or registration in person at a county tax office. Proof of current vehicle insurance. Proof of current Texas vehicle inspection
Step 4: Apply for a Texas driver license through the Texas Department of Public Safety

- Drive safely
- Get multi-policy discount by purchasing multiple polices with farmers such as home, landlord, renters, business, life, etc. Often times, the discounts pay for the additional insurance.
-Pay your policy in full.

Choose higher deductibles.

We all have so much stuff! It’s a good idea to prepare a home inventory and record expensive items' receipt. Personal property has ACV or RCV coverage. Make sure consult with your agent to discuss the best way to carry personal property coverage.

It is very important to understand Your insurance declaration pages. It is the contract between you and insurance company. It explaines what is covered and how much it covers. Is there any conditions or exclusions for the coverages. What is the effective date? What is the expiration date. It is important to make sure your name(s) and address are spelled correctly. Request correction if there is any discrepancies.

Yes. Replacement on a roof with solar panel will cost much higher than a regular roof. In order to avoid any miscommunication in the future, please let your agent know, we will include this into your dwelling coverage.

As soon as your child gets a permit or license.

Home owner insurance has scheduled coverage for your stolen items, means insurance only covers certain items to a limit, See your policy document for details. jewellery, sports equipment, or other valuables needs to have additional endorsements to make sure the valuables have the right amount of coverage

Yes. Farmers home owner insurance covers stolen or damaged items even it's not happened at your property. Make sure to get a policy report on file. Estimate your lost since there is deducible needs to meet first. Discuss with your agent if you are not sure what kind coverage you have.