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In most cases, standard renters insurance does not cover bedbug extermination, cleanup, or belongings you throw away because of an infestation. Most policies treat pest problems as a maintenance issue rather than a sudden, accidental loss, and many explicitly exclude insects or vermin. In Texas, treatment costs often depend on your lease and who caused […]

Cyber insurance can help a Texas small business pay for the fallout of a data breach, ransomware attack, or certain types of online fraud. It works best alongside a simple plan to stop scams before they land, and the holiday season is when that plan gets tested. More orders, more shipping notices, more invoices, and […]

Auto insurance covers hail damage in Texas only if your policy includes comprehensive coverage. A liability-only policy, including the state-minimum 30/60/25 coverage, won’t pay to fix the dents, cracked windshield, or broken glass on your own car. If you do carry comprehensive, the Texas Department of Insurance says your insurance company should pay for hail […]

As summer winds down, many Texas businesses shift back into a busier routine. Employees return from vacations, projects pick up, seasonal hiring may increase, and companies begin preparing for the final months of the year. For growing businesses, this is also a good time to review Workers’ Compensation Insurance coverage in Texas. Changes in your […]

For Texas homeowners, storm preparation should not end when summer winds down. Heavy rainfall, tropical systems, thunderstorms, and flash flooding can continue to create property risks into the fall. That makes late summer a good time to review your Flood Insurance in Texas before severe weather arrives. Pierce Insurance Group is an independent insurance agency […]

Owning a rental property can be a rewarding investment, but it also comes with unique risks. One of the most common concerns landlords have is whether their insurance will cover damage caused by tenants. From accidental damage to intentional vandalism, repair costs can quickly add up and affect your rental income. So, does Rental Property […]

If your business relies on vehicles to serve customers, transport equipment, or make deliveries, having the right Commercial Auto Insurance is essential. While most business owners understand the importance of carrying insurance, many are less familiar with one key part of their policy, the deductible. Choosing the right deductible can significantly affect your insurance premium […]

Many property owners focus on their insurance limits but pay less attention to one important detail – their wind and hail deductible. If your homeowners or commercial property policy includes a percentage-based deductible, you could be responsible for paying thousands of dollars before your insurance coverage begins. That’s why Pierce Insurance Group is excited to […]

Auto insurance protects you financially after an accident, but what happens if the other driver doesn’t have insurance, or doesn’t have enough coverage to pay for the damage they caused? Unfortunately, this situation is more common than many drivers realize. That’s one reason why more Texans are choosing to add uninsured motorist coverage to their […]