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Texas Department of Insurance
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Do you have enough insurance coverage to pay for home or car repairs?

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With the cost of nearly everything increasing, it’s a good time to look at your insurance to be sure you have enough auto and home coverage.

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  1. Coverage for auto repairs and medical bills

    Cars and car repairs are more expensive than ever. If you cause an accident, your liability coverage might not be enough to fix the other driver’s car or pay their medical bills.

    The amount of liability coverage required by law will pay only up to $60,000 for medical bills ($30,000 if only one other person was involved) and $25,000 for car repairs or replacement.

    If you cause a multi-vehicle accident or if an expensive car is involved, this might not be enough coverage. You’re responsible for paying the rest or the other drivers could sue you.

  2. Coverage to repair or rebuild your house

    If you don’t have enough coverage on your house, you might not have enough money to rebuild. Your home policy has limits on how much it will pay. If the limits are lower than the cost to rebuild your house, you’ll have to pay the rest yourself.

    Your agent can tell you what your dollar limit is and help you estimate the cost of rebuilding your house. It’s best to check in with your agent every year because construction costs change.

  3. More coverage if yours isn’t enough

    You can add extra liability coverage, also called “umbrella coverage,” to your auto and home policies. This can cover you if you’re found to be at fault for a car accident or if someone is hurt on your property. For example, if your dog bites your neighbor, your home insurance might not pay for the injuries or might not pay enough. Your neighbor could sue you for the rest.

    Umbrella coverage pays up to a certain amount (usually $1 million or more) for:

    • Medical bills.
    • Lost wages.
    • Car repairs.
    • Lawsuits if someone sues you.

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Last updated: 9/19/2022