{"version":"https://jsonfeed.org/version/1","title":"Crossline Insurance","home_page_url":"https://crossline-insurance.com","description":"Crossline Insurance","author":{"name":"Crossline Insurance"},"items":[{"id":"best-home-insurance-in-burnet-texas-what-homeowners-need-to-know","html_content":"

Finding the best home insurance in Burnet, Texas isn’t just about price—it’s about making sure your home is fully protected.

","url":"https://crossline-insurance.com/resources/f/best-home-insurance-in-burnet-texas-what-homeowners-need-to-know","title":"Best Home Insurance in Burnet, Texas What Homeowners Need to Know","date_modified":"2026-04-15T17:18:07Z"},{"id":"what-does-flood-insurance-cover-in-texas","html_content":"

Does Home Insurance Cover Flooding?

","url":"https://crossline-insurance.com/resources/f/what-does-flood-insurance-cover-in-texas","title":"What Does Flood Insurance Cover in Texas? ","date_modified":"2026-04-07T15:28:25Z"},{"id":"best-insurance-for-contractors-in-texas","html_content":"

What Insurance Do Contractors Need in Texas?

","url":"https://crossline-insurance.com/resources/f/best-insurance-for-contractors-in-texas","title":"Best Insurance for Contractors in Texas","date_modified":"2026-04-07T14:59:56Z"},{"id":"why-insurance-rates-are-rising-in-texas-2026-update","html_content":"

Why Are Insurance Rates Going Up in Texas?

","url":"https://crossline-insurance.com/resources/f/why-insurance-rates-are-rising-in-texas-2026-update","title":"Why Insurance Rates Are Rising in Texas (2026 Update)","date_modified":"2026-04-07T14:53:29Z"},{"id":"how-much-home-insurance-do-i-need-in-texas","html_content":"

How Much Home Insurance Do You Really Need in Texas?

","url":"https://crossline-insurance.com/resources/f/how-much-home-insurance-do-i-need-in-texas","title":"How Much Home Insurance Do I Need in Texas?","date_modified":"2026-04-07T14:45:45Z"},{"id":"at-what-point-should-i-be-provided-a-loaner-after-a-car-accident","html_content":"

Texas law doesn’t automatically require an insurer to provide a loaner or rental car just because your vehicle is in the shop. The moment that obligation arises isn’t set by state statute, it really comes down to what yo...

","url":"https://crossline-insurance.com/resources/f/at-what-point-should-i-be-provided-a-loaner-after-a-car-accident","title":"At what point should I be provided a loaner after a car accident?","date_modified":"2026-01-15T18:21:21Z"},{"id":"can-i-use-any-repair-shop-in-texas-for-an-insurance-claim","html_content":"

In Texas you can use any repair shop you choose for an insurance claim. The insurance company can’t force you to take your vehicle to one of their preferred or network shops as a condition of coverage.

","url":"https://crossline-insurance.com/resources/f/can-i-use-any-repair-shop-in-texas-for-an-insurance-claim","title":"Can I use any repair shop in Texas for an insurance claim?","date_modified":"2026-01-15T18:15:24Z"},{"id":"the-top-3-items-that-cause-water-leaks-in-a-home","html_content":"

I understand how frustrating and unexpected water damage can feel—it's often one of those quiet issues that sneaks up on us, causing stress and real expense when we least expect it. As a Texas insurance professional, I'v...

","url":"https://crossline-insurance.com/resources/f/the-top-3-items-that-cause-water-leaks-in-a-home","title":"The Top 3 Items that Cause Water Leaks in a Home","date_modified":"2026-01-05T21:11:47Z"},{"id":"texas-homeowners-tip-know-your-roof-coverage","html_content":"

In Texas, roofs take a beating — hail, heat, wind, you name it. Because of that, companies often treat roof coverage differently than the rest of the home. A lot of homeowners don’t realize this until a claim pops up.

","url":"https://crossline-insurance.com/resources/f/texas-homeowners-tip-know-your-roof-coverage","title":"Texas Homeowners Tip: Know Your Roof Coverage","date_modified":"2025-11-18T17:12:35Z"},{"id":"auto-insurance-in-texas-what%E2%80%99s-legally-required","html_content":"

In Texas, every driver is legally required to prove they can pay for any accidents they cause — and the most common way to meet that requirement is by carrying liability insurance that meets at least the state minimum li...

","url":"https://crossline-insurance.com/resources/f/auto-insurance-in-texas-what%E2%80%99s-legally-required","title":"Auto Insurance in Texas: What’s Legally Required?","date_modified":"2025-11-12T20:17:48Z"},{"id":"what-does-a-stand-alone-premises-liability-insurance-policy-cover","html_content":"

A stand-alone premises liability insurance policy provides protection for claims of injury or property damage that occur on a specific property you own or manage, when that property isn’t covered by another policy (like ...

","url":"https://crossline-insurance.com/resources/f/what-does-a-stand-alone-premises-liability-insurance-policy-cover","title":"What does a stand alone premises liability insurance policy cover","date_modified":"2025-10-28T15:45:51Z"},{"id":"ultimate-guide-to-selecting-the-right-insurance-coverage","html_content":"

Insurance plays an essential role in safeguarding our personal and business interests. However, navigating the complex world of insurance can be daunting, especially with the numerous options available in the market. In ...

","url":"https://crossline-insurance.com/resources/f/ultimate-guide-to-selecting-the-right-insurance-coverage","title":"Ultimate Guide to Selecting the Right Insurance Coverage","date_modified":"2025-10-01T16:26:07Z"},{"id":"what-deductible-would-be-used-for-a-car-break-in","html_content":"

The deductible that applies for a car break-in depends on what was damaged or stolen:

","url":"https://crossline-insurance.com/resources/f/what-deductible-would-be-used-for-a-car-break-in","title":"What deductible would be used for a car break in?","date_modified":"2025-10-01T16:25:01Z"},{"id":"why-loss-assessment-coverage-matters-for-homeowners-in-texas","html_content":"

When you buy into a homeowners association (HOA) community, you’re not just purchasing a home—you’re also buying into shared responsibility. Roads, pools, clubhouses, and common areas all need ongoing maintenance and, oc...

","url":"https://crossline-insurance.com/resources/f/why-loss-assessment-coverage-matters-for-homeowners-in-texas","title":"Why Loss Assessment Coverage Matters for Homeowners in Texas?","date_modified":"2025-09-18T14:33:25Z"},{"id":"understanding-comprehensive-insurance-solutions","html_content":"

In today’s world, ensuring that your personal and business assets are protected is more important than ever. Comprehensive insurance solutions provide a safety net for individuals and businesses, offering peace of mind a...

","url":"https://crossline-insurance.com/resources/f/understanding-comprehensive-insurance-solutions","title":"Understanding Comprehensive Insurance Solutions","date_modified":"2025-09-18T14:24:44Z"},{"id":"when-do-you-need-a-builder%E2%80%99s-risk-insurance-policy","html_content":"

Whether you're building a new home, developing a commercial property, or taking on a major renovation, protecting your investment during construction is critical. One of the most important (and often overlooked) forms of...

","url":"https://crossline-insurance.com/resources/f/when-do-you-need-a-builder%E2%80%99s-risk-insurance-policy","title":"When Do You Need a Builder’s Risk Insurance Policy?","date_modified":"2025-08-19T16:38:48Z"},{"id":"how-long-do-i-have-to-add-a-new-car-to-my-insurance","html_content":"

Texas doesn’t have a law that gives you a set amount of time (like 30 days) to add a new vehicle to your insurance. If there’s any grace period, it’s completely up to your insurance company—not the state.

","url":"https://crossline-insurance.com/resources/f/how-long-do-i-have-to-add-a-new-car-to-my-insurance","title":" How long do I have to add a new car to my insurance? ","date_modified":"2025-08-18T15:44:42Z"},{"id":"why-have-a-separate-policy-for-jewelry","html_content":"

You might want a separate policy for jewelry instead of relying solely on your standard home insurance policy for several key reasons:

","url":"https://crossline-insurance.com/resources/f/why-have-a-separate-policy-for-jewelry","title":"Why have a separate policy for Jewelry?","date_modified":"2025-06-11T15:48:00Z"},{"id":"reciprocal-exchange-vs-traditional-insurance","html_content":"

When you're shopping for insurance, you probably think about coverage limits, premiums, and maybe the company's reputation. But have you ever considered how your insurance provider is structured? There’s a big difference...

","url":"https://crossline-insurance.com/resources/f/reciprocal-exchange-vs-traditional-insurance","title":"Reciprocal Exchange vs. Traditional Insurance","date_modified":"2025-05-27T19:58:32Z"},{"id":"split-limits-or-csl","html_content":"

In Texas auto insurance, \"500/500/100\" and \"500 CSL\" represent two different ways of structuring liability coverage limits. Here's a breakdown of each:

","url":"https://crossline-insurance.com/resources/f/split-limits-or-csl","title":"Split Limits or CSL?","date_modified":"2025-05-12T19:00:34Z"},{"id":"what-auto-liability-limits-should-i-carry-in-texas","html_content":"

In Texas, auto insurance liability limits refer to the maximum amount your insurance company will pay if you're found legally responsible for an accident. The state requires a minimum level of liability coverage, but you...

","url":"https://crossline-insurance.com/resources/f/what-auto-liability-limits-should-i-carry-in-texas","title":"What Auto Liability Limits should I carry in Texas?","date_modified":"2025-04-15T17:53:53Z"},{"id":"what-is-my-job","html_content":"

A broker in insurance is a type of insurance agent who works on behalf of the client, not the insurance company. My main job is to help individuals or businesses find the best insurance policy for their needs by comparin...

","url":"https://crossline-insurance.com/resources/f/what-is-my-job","title":"What Is My Job?","date_modified":"2025-04-10T19:38:46Z"},{"id":"texas-home-insurance-coverages-explained","html_content":"

Dwelling- Dwelling coverage is a key component of home insurance that helps protect the physical structure of your home. It covers the cost to repair or rebuild your house if it's damaged or destroyed by a covered peril,...

","url":"https://crossline-insurance.com/resources/f/texas-home-insurance-coverages-explained","title":"Texas Home Insurance Coverages Explained","date_modified":"2025-04-01T16:36:14Z"},{"id":"no-prior-auto-insurance-and-the-impacts","html_content":"

If you have no prior auto insurance, your rates will be higher when you eventually get insurance, especially if you're in Texas, where insurers tend to view a lack of insurance as a higher risk. Let me break it down:

","url":"https://crossline-insurance.com/resources/f/no-prior-auto-insurance-and-the-impacts","title":"No Prior Auto Insurance and the Impacts","date_modified":"2025-03-31T14:59:33Z"},{"id":"why-scheduled-roof-payment-is-bad","html_content":"

In an effort to make policies more affordable for homeowners, insurance companies have started implementing new methods for settling roof damage claims.

","url":"https://crossline-insurance.com/resources/f/why-scheduled-roof-payment-is-bad","title":"Why Scheduled Roof Payment is Bad","date_modified":"2025-03-27T12:00:00Z"},{"id":"escrow-analysis-and-its-impact-on-insurance-rates","html_content":"

When it comes to managing homeownership expenses, escrow accounts play a crucial role. These accounts are established by lenders to manage property-related costs such as property taxes and homeowners insurance. While man...

","url":"https://crossline-insurance.com/resources/f/escrow-analysis-and-its-impact-on-insurance-rates","title":"Escrow Analysis and Its Impact on Insurance Rates","date_modified":"2025-03-22T13:00:00Z"},{"id":"handling-a-hit-and-run-claim-in-texas","html_content":"

Handling a hit-and-run claim in Texas can be a complex process, especially when the at-fault driver cannot be identified. Texas law requires drivers to have car insurance, but in cases of a hit-and-run, it’s important to...

","url":"https://crossline-insurance.com/resources/f/handling-a-hit-and-run-claim-in-texas","title":"Handling a Hit-and-Run claim in Texas","date_modified":"2025-03-14T15:10:26Z"},{"id":"actual-cash-value-acv-vs-replacement-cost","html_content":"

The difference between Actual Cash Value (ACV) and Replacement Cost in insurance comes down to how the payout is calculated when you file a claim. Here’s how each works:

","url":"https://crossline-insurance.com/resources/f/actual-cash-value-acv-vs-replacement-cost","title":"Actual Cash Value (ACV) vs Replacement Cost","date_modified":"2025-03-10T16:30:07Z"},{"id":"understanding-renters-insurance-in-texas","html_content":"

Renters insurance is an often overlooked yet essential aspect of renting a home or apartment. Whether you're moving into a bustling city like Austin or a smaller town like Burnet, having renters insurance can provide fin...

","url":"https://crossline-insurance.com/resources/f/understanding-renters-insurance-in-texas","title":"Understanding Renters Insurance in Texas","date_modified":"2025-03-04T22:30:18Z"},{"id":"home-insurance-policies-in-texas","html_content":"

The HOA is the most fundamental type of homeowners insurance available in Texas. HOA policies provide coverage based on actual cash value, which means that settlements for damaged property are calculated by depreciating ...

","url":"https://crossline-insurance.com/resources/f/home-insurance-policies-in-texas","title":"Home Insurance Policies in Texas:","date_modified":"2025-02-21T21:07:37Z"},{"id":"what-is-subrogation","html_content":"

In Texas, subrogation is the process by which your insurance company seeks to recover the costs they’ve paid out on a claim from the at-fault party’s insurance company. It typically comes into play in auto accidents wher...

","url":"https://crossline-insurance.com/resources/f/what-is-subrogation","title":"What is Subrogation?","date_modified":"2025-02-11T12:00:00Z"},{"id":"why-does-a-not-at-fault-accident-affect-my-insurance","html_content":"

Most people understand that if they were at-fault in a car crash then they will likely see an increase in their rates. Unfortunately, not-at-fault accidents can also affect the rate that you pay for car insurance. Becaus...

","url":"https://crossline-insurance.com/resources/f/why-does-a-not-at-fault-accident-affect-my-insurance","title":"Why does a Not-At-Fault Accident affect my Insurance?","date_modified":"2025-02-10T16:51:17Z"},{"id":"repairing-vs-replacing-windshields","html_content":"

When deciding between repairing or replacing a windshield, several factors come into play. Repairing is often a more cost-effective option, but certain criteria must be met for it to be viable. Here are the key differenc...

","url":"https://crossline-insurance.com/resources/f/repairing-vs-replacing-windshields","title":"Repairing vs. Replacing Windshields","date_modified":"2025-01-01T19:23:33Z"},{"id":"what-is-non-owned-auto-liability","html_content":"

Non-Owned Auto Liability is a type of insurance coverage that provides protection if an employee or individual uses their own vehicle and that is not owned by the business (or organization) for business purposes and is i...

","url":"https://crossline-insurance.com/resources/f/what-is-non-owned-auto-liability","title":"What is Non-Owned Auto Liability?","date_modified":"2024-12-12T20:27:56Z"},{"id":"what-is-hired-auto-insurance","html_content":"

Hired Auto Insurance refers to a type of commercial auto insurance coverage designed to protect businesses when their employees drive vehicles they don't own. This coverage is typically used when a company rents, leases,...

","url":"https://crossline-insurance.com/resources/f/what-is-hired-auto-insurance","title":"What is Hired Auto Insurance?","date_modified":"2024-12-12T20:27:39Z"},{"id":"general-contractor-and-artisan-subcontractor-insurance","html_content":"

General Liability (GL) and Professional Liability (PL) insurance are crucial for general contractors and artisan subcontractors, but they cover different types of risks, making each essential in its own way.

","url":"https://crossline-insurance.com/resources/f/general-contractor-and-artisan-subcontractor-insurance","title":"General Contractor and Artisan Subcontractor Insurance ","date_modified":"2024-12-12T20:26:37Z"},{"id":"why-work-with-an-insurance-agent-rather-than-going-direct","html_content":"

1. Personalized Service

","url":"https://crossline-insurance.com/resources/f/why-work-with-an-insurance-agent-rather-than-going-direct","title":"Why work with an Insurance Agent rather than going direct?","date_modified":"2024-12-03T15:43:45Z"},{"id":"why-do-auto-insurance-rates-vary-from-company-to-company","html_content":"

1. Different Pricing Models

","url":"https://crossline-insurance.com/resources/f/why-do-auto-insurance-rates-vary-from-company-to-company","title":"Why do Auto Insurance Rates vary from Company to Company?","date_modified":"2024-12-02T17:28:35Z"},{"id":"whats-the-difference-between-acv-and-replacement-cost","html_content":"

The difference between ACV (Actual Cash Value) and Replacement Cost primarily relates to how insurance claims are paid out when property is damaged, lost, or stolen. Here’s how they differ:

","url":"https://crossline-insurance.com/resources/f/whats-the-difference-between-acv-and-replacement-cost","title":"What's the difference between ACV and Replacement Cost?","date_modified":"2024-11-25T16:06:57Z"},{"id":"benefits-of-ubi","html_content":"

Usage-based insurance (UBI) is transforming the way insurance premiums are calculated, particularly in the auto insurance sector. Traditionally, car insurance premiums were based on factors like age, gender, location, an...

","url":"https://crossline-insurance.com/resources/f/benefits-of-ubi","title":"Benefits of UBI","date_modified":"2024-11-05T22:25:09Z"},{"id":"how-to-insure-your-jewelry","html_content":"

Jewelry coverage under homeowners, renters, or condo insurance can be useful, but it does come with limitations. Here’s a breakdown of how it typically works and what to consider:

","url":"https://crossline-insurance.com/resources/f/how-to-insure-your-jewelry","title":"How to Insure Your Jewelry","date_modified":"2024-10-23T20:57:33Z"},{"id":"why-should-i-carry-a-high-deductible-for-auto-insurance","html_content":"

Carrying a high deductible for auto insurance can have several benefits, though it also comes with some risks. Here are a few reasons why you might choose this option:

","url":"https://crossline-insurance.com/resources/f/why-should-i-carry-a-high-deductible-for-auto-insurance","title":"Why Should I Carry a High Deductible for Auto Insurance?","date_modified":"2024-10-22T15:45:02Z"},{"id":"5-auto-theft-myths-that-can-prevent-you-from-becoming-a-victim","html_content":"

The National Crime Information Center, a unit of the FBI, reported that in 2023, a vehicle was stolen every 25.5 seconds in the United States. The agency said that a total of 1,235,226 vehicles were taken, which amounts ...

","url":"https://crossline-insurance.com/resources/f/5-auto-theft-myths-that-can-prevent-you-from-becoming-a-victim","title":"5 Auto Theft Myths That Can Prevent You from Becoming a Victim","date_modified":"2024-10-09T22:28:06Z"},{"id":"will-my-auto-policy-cover-when-driving-rental-vehicles","html_content":"

Yes, a personal Texas auto policy generally provides coverage when you're driving a rental vehicle. Most personal auto insurance policies extend liability coverage, and many also cover physical damage (like collision and...

","url":"https://crossline-insurance.com/resources/f/will-my-auto-policy-cover-when-driving-rental-vehicles","title":"Will my auto policy cover when driving rental vehicles?","date_modified":"2024-10-03T20:17:52Z"},{"id":"how-are-you-protected","html_content":"

Having the right amount of insurance is essential for several reasons:

","url":"https://crossline-insurance.com/resources/f/how-are-you-protected","title":"How are you Protected?","date_modified":"2024-10-02T12:46:06Z"},{"id":"cyber-liability-insurance-is-crucial-for-businesses-today","html_content":"

The need for cyber liability insurance spans all types of businesses, regardless of size or industry. Every type of organization, from global companies to mom and pop shops that use technology to do business, faces cyber...

","url":"https://crossline-insurance.com/resources/f/cyber-liability-insurance-is-crucial-for-businesses-today","title":"Cyber liability insurance is crucial for businesses today!","date_modified":"2024-10-01T18:08:57Z"},{"id":"additional-insured-and-an-additional-interest","html_content":"

The main difference between an additional insured and an additional interest on an insurance policy is:

","url":"https://crossline-insurance.com/resources/f/additional-insured-and-an-additional-interest","title":"Additional insured and an additional interest","date_modified":"2024-09-30T20:05:49Z"},{"id":"why-is-loss-assessment-coverage-important-for-a-condo-unit-owner","html_content":"

Condo loss assessment coverage is an important component of condo insurance that helps protect you from financial responsibility for certain types of damage that might affect your entire condo association. If the condo a...

","url":"https://crossline-insurance.com/resources/f/why-is-loss-assessment-coverage-important-for-a-condo-unit-owner","title":"Why is Loss Assessment Coverage Important for a Condo Unit Owner?","date_modified":"2024-09-11T14:23:35Z"},{"id":"the-2%25-home-insurance-deductible-dilemma","html_content":"

Deductible Basics: A deductible is the amount you pay out-of-pocket before your insurance company starts to cover the remaining costs of a claim. For instance, if you have a $1,000 deductible and a $5,000 claim, you’ll p...

","url":"https://crossline-insurance.com/resources/f/the-2%25-home-insurance-deductible-dilemma","title":"The 2% Home Insurance Deductible Dilemma","date_modified":"2024-08-28T21:32:40Z"},{"id":"what-is-a-surety-bond","html_content":"

Surety Bonds Overview: Surety bonds are agreements involving three parties: the principal (the party required to perform or comply), the obligee (the party who requires the bond), and the surety (the company that issues ...

","url":"https://crossline-insurance.com/resources/f/what-is-a-surety-bond","title":"What is a Surety Bond?","date_modified":"2024-08-28T14:24:39Z"}]}