The Kody Amos Agency Blog
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Do Texans Need Umbrella Insurance?
A single lawsuit can drain savings faster than a Texas summer dries a stock tank. Jury awards over $1 million are no longer rare; the National Center for State Courts notes that median personal injury verdicts in Texas climbed 35 percent over the last decade.
Texas Flood Insurance Made Simple
Flash floods are the number one weather-related killer in Texas, yet only about 15 percent of homes statewide carry a dedicated flood policy according to the Insurance Information Institute. Many residents believe standard homeowners insurance covers rising water, but it does not.
Texas Insurance Basics for Smart Policyholders
If you live in Texas, you already know that storms, traffic, and a booming housing market can make insurance decisions feel overwhelming. According to the Texas Department of Insurance, hail claims alone cost Texans more than $2.6 billion in 2022.