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News
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TDI News Releases
Current News Releases from the Texas Department of Insurance
- HHS Denial
01/27/12 -
- TWIA Statement
01/26/12 - Commissioner Eleanor Kitzman of the Texas Department of Insurance issued a statement today following the TWIA Board's decision to retain a consulting actuary.
- Self-insure
01/24/12 - AUSTIN, TX - The Texas Department of Insurance, Division of Workers’ Compensation approved 13 renewals of the certificates of authority for companies to self-insure their workers’ compensation claims for a one-year period.
- workinjury2010
12/13/11 - Texas reported a fourth year decrease in the number of work-related injuries and illnesses requiring days off work in 2010.
- Commissioner Statement
11/22/11 - Commissioner Kitzman issues statement on NAIC resolution urging Congress to amend the Medical Loss Ratio provisions of the Patient Protection and Affordable Care Act to ensure consumer access to agents and brokers.
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Homeowners insurance protects you from financial losses caused
by storms, fire, theft, and other events outlined in your policy.
It is important to know what's in your policy. This publication
gives you general information about homeowners insurance, but
it is not a substitute for the policy itself. Make sure you read
your policy carefully and understand your specific coverages.
Texas's Consumer Bill of Rights for Homeowners and Renters Insurance
You can buy a dwelling policy that covers only the structure of your house.
Or, like most Texans who own their homes, you can buy a homeowners policy,
which combines five different types of coverage:
Dwelling - pays for damage to your house and any outbuildings,
such as detached garages and storage sheds.
Personal property - pays when household items, including furniture,
clothing and appliances, are damaged, stolen, or destroyed.
Liability - protects you against financial loss if you are found
legally responsible for someone else's injury or property damage.
A homeowners policy automatically provides $25,000 in coverage.
You can buy up to $1 million in coverage for an extra premium.
Medical payments - pays medical bills for people hurt while on your property.
It also pays for some injuries that happen away from your home,
such as your dog biting someone. A basic homeowners policy pays $500
in medical bills. You can pay extra and get up to $5,000 in medical payments coverage.
Loss of use - pays living expenses if your home is too damaged to live in during repairs. The most common policy pays up to 20 percent of the amount for which your house is insured. |
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