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Insurance articles for Texas households and businesses

Every article here answers one situation in full — the ones a product page has no room for. The library is deepest on SR-22 filings today, and if you already know you need one, skip these and start on the SR-22 page; that is where the form is.

Written by Dale Moon, owner and licensed Texas insurance agent. Sources are named at the foot of every article with the date they were last checked.

In the library SR-22 filings 21 Commercial insurance 19 Home insurance 4

  1. SR-22 filings 8 min Texas DWI Penalties by Offense: What the Statute Says, and What It Does to Your License A first DWI is a Class B misdemeanor with a 72-hour floor. The second is a Class A. The third is a felony. Each rung has its own statute, and the suspension — not the charge — is what puts a driver under a filing.
  2. Commercial insurance 11 min Basic vs. Broad vs. Special Form Commercial Property Insurance: What Changes at Claim Time Two quotes both say commercial property insurance. The causes-of-loss form attached to each one decides which question an adjuster starts with — and that is a bigger difference than the premium.
  3. Commercial insurance 11 min Business Personal Property Inventory: How to Set a Commercial Insurance Limit "How much are your contents worth?" is a one-line question with a multi-page answer. The number most owners give is the one they can remember, which is reliably smaller than the one they own.
  4. Commercial insurance 12 min What Changes Commercial Auto Insurance Cost in Texas? A Quote and Renewal Factor Guide There is no defensible single price for Texas commercial auto, and the useful question is not what it costs. It is whether the two things you are comparing are the same risk on the same terms — because usually they are not.
  5. Commercial insurance 11 min Commercial Auto Symbols 1, 2, 7, 8, and 9: How to Read the Covered-Auto Codes The numbers beside each coverage on a business auto declarations page are shorthand for which vehicles that coverage applies to. Read across the row, not down the page — and read the definition out of your own form, not a chart.
  6. Commercial insurance 12 min Commercial Landlord vs. Tenant Insurance in Texas: Who Covers What? "Who pays the insurance?" is three questions wearing one coat: who owns the property, who is named on the policy, and who reimburses the cost. A lease can answer the third without touching the first two.
  7. Commercial insurance 10 min Commercial Property Coinsurance: The Formula, the Penalty, and Three Worked Examples Coinsurance does not test whether your limit is bigger than the loss. It tests how much insurance you were carrying before the loss happened — and a partial claim is where that difference shows up.
  8. Commercial insurance 11 min Hired and Non-Owned Auto in Texas: Employee Cars, Rentals, and Business Liability Four vehicles, four different answers. Hired and non-owned auto is not blanket protection for every car the business does not own — and the question you are really asking decides which part of the policy has anything to say.
  9. Commercial insurance 13 min Texas Commercial Vehicle Insurance Requirements: Ordinary Vehicles vs. Regulated Motor Carriers Texas does not impose one liability limit on every business vehicle. There is an ordinary floor, and there is a separate world of regulated-operation rules — and which one you are in is decided by facts about the operation, not by the word commercial.
  10. SR-22 filings 13 min Texas SR-22A After an Uninsured Crash: Security Deposit or Judgment? A crash case and a judgment are not two names for the same suspension, and only one of them asks for an SR-22A. The notice in your hand says which case you are in — and the forms that clear one will not clear the other.
  11. Commercial insurance 11 min Vacant vs. Unoccupied Commercial Property: What Owners Should Check The tenant handed back the keys, the lights are still on, and a new lease is two months away. Whether that building is now vacant is a question your policy answers, not the dictionary.
  12. Commercial insurance 12 min What Is Considered a Commercial Vehicle in Texas? Insurance vs. TxDMV and FMCSA The question has no single answer because five different systems are asking it, each for its own reason. A light pickup can be commercial to one and ordinary to the rest — and the right first question is not what, but commercial for which system.
  13. SR-22 filings 8 min Does a No-Insurance Ticket Require an SR-22 in Texas? Texas DPS asks for an SR-22 after a second or subsequent no-insurance conviction — not a first. And if the vehicle really was insured that day, DPS says the requirement can be waived outright.
  14. SR-22 filings 8 min Can You Keep a CDL or Drive a Company Vehicle With an SR-22 in Texas? The filing and the CDL are separate questions with separate answers. DPS disqualifies a commercial license for the offense underneath — and the list of offenses that do it is shorter than most drivers assume.
  15. SR-22 filings 8 min Can You Get an SR-22 Without a Valid License in Texas? Texas can require the filing before it will make your license valid again, which means an invalid license cannot be a reason nobody will sell you the policy. Here is how each status actually reads to an insurer.
  16. SR-22 filings 9 min Texas Driver License Reinstatement: Do You Need an SR-22? An SR-22 satisfies one line on a Texas reinstatement record. It does not serve a suspension period, pay a fee, or make a record eligible. Here is the order the three desks actually work in.
  17. Commercial insurance 10 min What Does Bar Insurance Cost in Texas? Build the Submission Underwriters Price A wine bar, a sports bar and a 2 a.m. nightclub can post the same sales and present three different submissions. Here is what actually decides the number.
  18. Commercial insurance 12 min How Much Does Hotel Insurance Cost in Texas? Build the Quote Packet First Three 70-room properties can produce three entirely different submissions. Rather than guess at a range, build the packet that lets insurers evaluate the same hotel on the same facts.
  19. Commercial insurance 11 min What Does Restaurant Insurance Cost in Texas? The 15 Inputs Behind a Quote You want a number and every page you have opened gives you a national average. Here is what actually produces the number, and how to tell whether two quotes describe the same restaurant.
  20. Commercial insurance 11 min The Power Is Out at Your Houston Restaurant. What Happens Next? The walk-in is warming and somebody is going to ask whether insurance covers it. That is not one question. It is five, and they have different triggers.
  21. Commercial insurance 10 min Hiring Bouncers in Texas: An Insurance Checklist for Bar Owners Hiring a security company does not make every security allegation somebody else's problem. Here is what to verify before the first shift — and what your own policies still have to answer.
  22. SR-22 filings 9 min Pearland SR-22: The Brazoria County Occupational License Checklist Pearland sits in Brazoria, Harris and Fort Bend counties, so the city name does not choose your court. In Brazoria the clerk is chosen by the court that suspended you, and a closed felony, a pending felony and a misdemeanor take three different routes.
  23. SR-22 filings 9 min Sugar Land SR-22: The Fort Bend County Occupational License Checklist Fort Bend does not have one occupational-license workflow. One court hears petitions on designated Fridays but takes no filings; a justice court reviews its own packet on the papers for a fraction of the fee. Identify the court before you trust a form or a figure.
  24. SR-22 filings 10 min Friendswood and League City SR-22: The Galveston County Occupational License Checklist Friendswood and League City both cross into Harris County, so neither city name settles where your petition belongs. If Galveston County is the answer, the County Clerk publishes the packet, three offices take the filing, and the hearing date is set by the clock you file against.
  25. SR-22 filings 10 min Harris County Occupational Driver License: The SR-22 Checklist for Houston and Pasadena Harris County routes occupational-license petitions by a written rule: which clerk takes yours depends on how your license was suspended, and the case is assigned mechanically from there. The SR-22 is one item on that list — and the only one an insurance agency can hand you.
  26. SR-22 filings 9 min The Woodlands SR-22: The Montgomery County Occupational License Checklist Montgomery County publishes three different occupational-license routes at two different filing fees, and its proposed order decides your restrictions before a judge ever signs it. Read the order first — an interlock condition changes what else the court can impose.
  27. SR-22 filings 9 min What a Lapse in Car Insurance Actually Costs in Texas The same event costs two completely different things depending on whether a filing is riding on the policy. Almost nobody explains which situation you are in.
  28. Home insurance 10 min Your Home Insurance Was Not Renewed. Here's the Order to Fix It. The stated reason on the notice determines the path. Roof age, claims frequency and coastal proximity each open a different route — and the letter is a diagnostic document, not a verdict.
  29. Home insurance 11 min Your House Is Not on the Coast. Your Policy Should Know That. The line that decides how a Houston-area house is insured runs along State Highway 146, and it is nowhere near the north corridor. Almost everything a Woodlands homeowner reads about windstorm is describing somebody else's house.
  30. Home insurance 11 min Your Roof Is Fine. Your Insurer Still Might Not Renew You. A roof does not have to leak to cost you your policy. Age alone can move it from replacement cost to actual cash value, and the difference does not show up until the claim cheque arrives.
  31. Home insurance 8 min Your 2% Wind and Hail Deductible Is Not 2% of the Damage The percentage applies to the insured value of the house, not the size of the loss. On a $525,000 home at 2%, a $10,000 hail claim pays nothing at all.
  32. Commercial insurance 9 min Why Your Certificate of Insurance Got Rejected — and How to Fix It A general contractor or a City department has bounced your certificate and nobody has said what is wrong with it. Here are the six reasons it happens, in the order they occur.
  33. Commercial insurance 10 min Your 2% Hail Deductible Is Not 2% of the Claim The percentage applies to the insured value of the building, not the size of the claim. Most owners find that out at claim time, which is the worst possible moment.
  34. Commercial insurance 9 min Workers' Comp or Non-Subscriber? A Houston Employer's Decision Texas lets most private employers decline workers' compensation. Whether you should is rarely decided by the premium — it is usually decided by a contract you have already signed.
  35. Commercial insurance 9 min Workers' Comp for Houston Staffing and Temp Agencies You are the employer of record, so the comp exposure follows every placement into every client site — and the client controls the working conditions you are being rated on.
  36. SR-22 filings 10 min What SR-22 Insurance Costs in Harris County — and What Changes It Three separate expenses get called “the SR-22 cost.” The DPS fees are fixed and knowable today, and the filing usually costs nothing through Moon. The third is the auto premium — $300 to $800 for a six-month non-owner term — and it is the only one that depends on you.
  37. SR-22 filings 8 min Need an SR-22 in Texas but Don't Own a Car? Selling the car does not end the filing, and not being on a title does not automatically make you a non-owner applicant. The question is how you actually drive — not whose name is on the registration.
  38. SR-22 filings 9 min Texas SR-22 Filing Time: How to Check Your Status “Filed” means four different things to four different parties, and only one of them controls your license. Here is how to find out which milestone you are actually waiting on.
  39. SR-22 filings 10 min How Much Does SR-22 Insurance Cost in Texas? What Actually Changes the Price The certificate is not the expensive part — the policy underneath it is. Across Moon's own book a non-owner SR-22 has gone as low as $185 for six months and usually runs $300 to $800, and age, record, violation count, ZIP code and gender decide where inside that a driver lands.
  40. SR-22 filings 9 min How Long Is an SR-22 Required in Texas — and When Can You Remove It? The clock starts at the conviction or judgment, not the day you bought the policy — so filing late does not buy you a fresh two years. And the date on your calendar is not what makes it safe to cancel.
  41. SR-22 filings 7 min What Happens If Your SR-22 Lapses in Texas? Understanding Form SR-26 When a certified policy ends, the carrier—not the driver—reports it to Texas DPS through Form SR-26. Acting quickly can restore proof, but it does not erase the interruption.
  42. SR-22 filings 7 min SR-22 After a DWI in Texas: Filing, Reinstatement, and the Two-Year Requirement A DWI case can involve a criminal case, an administrative suspension, insurance, fees, and sometimes an interlock. The SR-22 is one compliance item—not the entire reinstatement process.
  43. SR-22 filings 7 min How to Get an Occupational Driver License and SR-22 in Texas The SR-22 is required evidence for an occupational driver license, but it is only one piece. A court order, DPS submission, fees, restrictions, and sometimes an interlock remain separate.
  44. SR-22 filings 8 min What Happens to Your SR-22 When You Move Into or Out of Texas? The state that imposed the filing still controls its release. Coordinate the old policy, new-state coverage, and required certificate before canceling anything.

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