The Truth about Home Insurance in Texas 2026

Texans are facing the worst home insurance crisis in decades… and most homeowners don’t even know the biggest risks are hiding inside their own policy. In this deep-dive conversation with Texas insurance expert Kathy Leger, we break down why premiums are exploding, what coverage gaps are costing families thousands, and the exact steps every homeowner should take before the next storm hits.

Whether your renewal jumped 20 percent or 70 percent, or you got dropped entirely, this video will show you what’s really happening in the Texas insurance market and how to protect yourself.

What you’ll learn in this video
• Why Texas homeowners should re-shop their insurance every year
• The must-ask questions to uncover missing coverage
• How to know whether you have enough protection for today’s risks
• What’s really driving premium increases across Texas
• The truth about drones, aerial photos, inspections, and nonrenewals
• The difference between replacement cost and actual cash value
• The exclusions most Texans don’t realize… until it’s too late
• Why nearly half of Texas home insurance claims are closed without payment
• What TWIA actually covers and when you should avoid it
• How to avoid roofing scams and bad contractors after storms
• The biggest myths Texans believe about home insurance
• How to prepare your home, your documents, and your deductible before filing a claim

These stories set the stage for Kathy’s insider perspective on why this system is changing so fast.

Who this video is for:
• Texas homeowners
• First-time buyers
• Realtors and lenders
• Anyone confused about rising premiums, storm claims, or coverage gaps

If you live in Texas, this conversation will give you clarity, confidence, and a checklist of what to fix immediately.

✅ Free Download: Texas Home Insurance Coverage Checklist
https://jenhugheshernandez.com/insura...

Make sure your policy covers what you think it does.

KATHY LEGER
832-726-8177
http://www.LegerInsurance.com
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Jennifer Hughes Hernandez Legacy Mutual Mortgage
Equal Housing Opportunity Lender NMLS #514497
Phone: 713-579-3611
[email protected]
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▶ Why You Should Use A Local Lender:
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▶ How to Buy A House With Low Income:
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Loan With Jen and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional.

CHAPTERS
00:01:00 Why Carriers Are Leaving Texas
00:03:45 What’s Increasing Premiums
00:05:00 Areas Hit the Hardest
00:07:00 Can insurers change or remove coverage without clear notice?
00:09:30 FAIR Plan Explained
00:15:00 Credit Score and Insurance
00:16:30 Insurance Canceled Due to Inspection
00:19:00 Should You Change Insurance Companies?
00:21:00 If Your Carrier Goes Bankrupt what happens?
00:21:30 Surplus Lines vs. Admitted Market & Guaranty Fund
00:24:00 How Long to Get Premium Refund if Carrier Fails
00:24:30 Red Flags for Higher Premiums
00:26:10 What’s Considered “Old”?
00:28:00 New Home vs. Old Home
00:29:00Replacement cost vs. Cash value
00:43:00 Reason for denial of claims
00:53:00 If I get a non-renewal letter, what do I do?
01:02:00Myths