Moon Insurance · TDI license #5595
Insurance articles for Texas households and businesses
Every article here answers one situation in full — the ones a product page has no room for. The library is deepest on SR-22 filings today, and if you already know you need one, skip these and start on the SR-22 page; that is where the form is.
Written by Dale Moon, owner and licensed Texas insurance agent. Sources are named at the foot of every article with the date they were last checked.
In the library SR-22 filings 10 Home insurance 4 Commercial insurance 4
- SR-22 filings 9 min read What a Lapse in Car Insurance Actually Costs in Texas The same event costs two completely different things depending on whether a filing is riding on the policy. Almost nobody explains which situation you are in.
- Home insurance 10 min read Your Home Insurance Was Not Renewed. Here's the Order to Fix It. The stated reason on the notice determines the path. Roof age, claims frequency and coastal proximity each open a different route — and the letter is a diagnostic document, not a verdict.
- Home insurance 11 min read Your House Is Not on the Coast. Your Policy Should Know That. The line that decides how a Houston-area house is insured runs along State Highway 146, and it is nowhere near the north corridor. Almost everything a Woodlands homeowner reads about windstorm is describing somebody else's house.
- Home insurance 11 min read Your Roof Is Fine. Your Insurer Still Might Not Renew You. A roof does not have to leak to cost you your policy. Age alone can move it from replacement cost to actual cash value, and the difference does not show up until the claim cheque arrives.
- Home insurance 8 min read Your 2% Wind and Hail Deductible Is Not 2% of the Damage The percentage applies to the insured value of the house, not the size of the loss. On a $525,000 home at 2%, a $10,000 hail claim pays nothing at all.
- Commercial insurance 9 min read Why Your Certificate of Insurance Got Rejected — and How to Fix It A general contractor or a City department has bounced your certificate and nobody has said what is wrong with it. Here are the six reasons it happens, in the order they occur.
- Commercial insurance 10 min read Your 2% Hail Deductible Is Not 2% of the Claim The percentage applies to the insured value of the building, not the size of the claim. Most owners find that out at claim time, which is the worst possible moment.
- Commercial insurance 9 min read Workers' Comp or Non-Subscriber? A Houston Employer's Decision Texas lets most private employers decline workers' compensation. Whether you should is rarely decided by the premium — it is usually decided by a contract you have already signed.
- Commercial insurance 9 min read Workers' Comp for Houston Staffing and Temp Agencies You are the employer of record, so the comp exposure follows every placement into every client site — and the client controls the working conditions you are being rated on.
- SR-22 filings 10 min read What SR-22 Insurance Costs in Harris County — and What Changes It Three separate expenses get called “the SR-22 cost.” The DPS fees are fixed and knowable today, and the filing itself costs nothing through Moon. The third is the auto premium — $250 to $600 for a six-month term across our book — and it is the only one that depends on you.
- SR-22 filings 7 min read Non-Owner SR-22 Insurance in Texas: What It Covers and Who Qualifies A Texas SR-22 requirement does not disappear when you sell your car. A non-owner liability policy can carry the filing, but it is not the right answer for every borrowed or household vehicle.
- SR-22 filings 7 min read How Long Does It Take to Get an SR-22 Filed in Texas? “Same-day filing” describes the insurer’s transmission, not the moment a suspended driver license becomes eligible. Here is the complete Texas timeline.
- SR-22 filings 7 min read How Much Does SR-22 Insurance Cost in Texas? What Actually Changes the Price The certificate is not the expensive part — the policy underneath it is. Across Moon's own book a six-month SR-22 term generally lands between $250 and $600, and owner versus non-owner, ZIP code, and driving record decide where inside that a driver falls.
- SR-22 filings 7 min read How Long Do You Need an SR-22 in Texas—and How Do You Remove It? The Texas SR-22 period ordinarily begins with the conviction or judgment—not the policy purchase or reinstatement date. Confirm the state record before removing the filing.
- SR-22 filings 7 min read What Happens If Your SR-22 Lapses in Texas? Understanding Form SR-26 When a certified policy ends, the carrier—not the driver—reports it to Texas DPS through Form SR-26. Acting quickly can restore proof, but it does not erase the interruption.
- SR-22 filings 7 min read SR-22 After a DWI in Texas: Filing, Reinstatement, and the Two-Year Requirement A DWI case can involve a criminal case, an administrative suspension, insurance, fees, and sometimes an interlock. The SR-22 is one compliance item—not the entire reinstatement process.
- SR-22 filings 7 min read How to Get an Occupational Driver License and SR-22 in Texas The SR-22 is required evidence for an occupational driver license, but it is only one piece. A court order, DPS submission, fees, restrictions, and sometimes an interlock remain separate.
- SR-22 filings 8 min read What Happens to Your SR-22 When You Move Into or Out of Texas? The state that imposed the filing still controls its release. Coordinate the old policy, new-state coverage, and required certificate before canceling anything.
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