Homeowner Policy Information On Those New To Texas

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By G. M. White

Texas is a great place to live, if for no other reason than there are just so many ways to live in this vast, beautiful State. Choose a home in Amarillo, Texas, and you can live near the expansive prairies of the pan handle, where cowboys past and present roam. Or, choose a home in Houston, Texas, and you can choose between five star restaurants, museums, symphonies or exciting sports events any day of the week. Choose a home in Austin, Texas and you can spend your days kiyaking down the Colorado River during the day, and listening to live blues or rock and roll the same evening. Or choose a home in San Antonio and you can enjoy the rich rolling curves of the Hill Country on the weekends, and margaritas by the river walk in your after work hours.

Wherever you have chosen to live in Texas, it is just one of many wise decisions you will make for you and your family. Another important decision you will need to make is the one regarding your homeowners insurance policy. The Texas Department of Insurance has developed standards for homeowners insurance, which all providers operating in the state are required to follow. It is a good idea to familiarize yourself with the types of coverage providers will generally offer, and the differences between them.

The standard policies are HO-A, HO-B, and HO-C policies. As standardized policies, they will offer the exact same type of coverage regardless of what provider is offering them, or the rate they charge. For this reason, if you are looking to purchase a standard Texas home owners insurance policy, you should shop around for the best rate you can find.

Many Texas homeowners insurance providers will also offer “endorsements” or upgrades to a standard policy for additional fees. The difficulty can come in determining the actual extent of the additional coverage relative to the standard policy. The better you understand the definitions of the standard policies, the more clearly you will be able to evaluate the benefit of these endorsements.

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The three most common types of Texas home owners insurance policies can be outlined as follows:

HO-A policies are the cheapest, and therefore offer the most limited coverage. Only the types of damage specifically listed in the policy are covered, and this can vary from one provider to the next. HO-A policies only offer ‘Actual Cash Value’ on its settlements. In other words, many other costs associated with restoring lost property including labor and time considerations will not be included.

HO-B policies provide replacement cost coverage (meaning, all costs associated with replacement of property including labor and rental fees) for most risks associated with damage to the dwelling, and actual cash value for personal property for the types of damage specifically outlined in the policy.

HO-C policies provide the most extensive coverage, and are consequently more expensive than HO-A or HO-B policies. HO-C policies offer replacement cost coverage for most types of risks which threaten the dwelling or personal property.

When comparing these different types of standardized policies, or any type of Texas home owners insurance policy, it is important to take note of the types of damage that none of these policies may cover. For example, neither the HO-A, HO-B or the HO-C policies cover flood damage, even though other types of water damage may be covered. Generally speaking, flood insurance is a completely separate type of policy. Those at risk of flooding should consider this type of insurance, which can be purchased through most agencies.

Texas Auto & Home Insurance has many years of combined experience dealing with all types of home owners insurance in the state of Texas. We believe it is important for home owners to do their own research regarding the types of policies and coverages available to them and seek out many quotes. We are happy to help you in this important search. If we cannot offer the best policy for your needs, we will refer you to someone to can. Feel free to give us a call with any questions about Texas home owners insurance!

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Kurdish forces advance as international opposition to Islamic State grows

Kurdish forces advance as international opposition to Islamic State grows

Monday, August 18, 2014

Yesterday the Peshmerga, military of the autonomous region of Kurdistan in Iraq, gained control of parts of the Mosul Dam, as part of their advance against insurgents of the Islamic State. International opposition to the Islamic militant group has grown this week.

The Peshmerga were supported this weekend by US airstrikes in their attempt to push back the Sunni insurgents, and Kurdish officials reported “good progress” in the face of “fierce resistance”. Reuters reported eyewitness accounts of Kurdish forces successfully retaking Batmaiya and Telasqaf, mostly Christian towns as close to Mosul — about 18 miles (30 km) — as they have come since June when government forces were forced out.

Mosul Dam, Iraq’s largest hydroelectric dam, is vital to the region’s irrigation, as well as water and power supplies. It was seized by the insurgents of the Islamic State, also known as ISIS or ISIL, on August 7, as part of their advance across Northern Iraq.

The advance of the Islamic State has prompted responses from many parts of the international community. On Friday the UN Security Council unanimously adopted a resolution targeting the extremist group’s finances and leaders. Six individuals were named and now face travel bans, asset freezes, and arms embargoes. The resolution also warned of the possibility of other sanctions against anyone found to be trading with the Islamic State, in a move aimed at stopping their supply of weapons and economic gain from sale of oil being produced by the oil fields under their control.

On the same day as the Security Council’s resolution, foreign ministers of the European Union’s member states issued a joint statement welcoming the efforts of those European states supporting Kurdish forces. This support includes the supply of military supplies from France, and humanitarian aid from the UK, with Eastern European countries providing military materials also being transported by the UK. Germany and the Netherlands were also reportedly considering the possibility of supplying aid where needed.

The US began launching airstrikes on August 8, and have continued to do so in support of the Kurdish forces and civilians stranded on Mount Sinjar.

The responses from the international community follow reports of brutality against religious minorities in Northern Iraq — such as Yazidis and Christians — accompanying the Islamic State advance across the region.

Rudaw reported from within Kurdistan that the local political parties have put aside their differences and are recruiting volunteers to send to the front. Many of these parties can trace their beginnings back to the 1960s–1990s struggle against the Iraqi army, many of whom continue to maintain militias which are now being deployed to reinforce the Kurdish army in the region. These are reported to have been joined by groups of ethnic Kurds from Iran.

Reports say hundreds of Yazidi volunteers are also being trained inside Kurdistan to help fight the Islamic State’s advance.

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News briefs:January 06, 2008

News briefs:January 06, 2008

October 17, 2018 · Filed under Uncategorized


  • 1 Wikinews News Brief 06 Jan 07 1800 UTC
    • 1.1 Introduction
    • 1.2 Nevada, Northern California struck by massive storm
    • 1.3 2008 Dakar Rally cancelled over terrorist threat
    • 1.4 Baby attacked by dog in New York
    • 1.5 Former Indonesian president, Suharto in critical condition
    • 1.6 President Bush urges progress on Palestinian state; Israel to welcome President Bush with ‘open arms’
    • 1.7 Extremist group claims responsibilty for killing of American diplomat in Sudan
    • 1.8 Lakota Freedom Delegation says spokesman Russell Means ‘hijacked’ organization
    • 1.9 Kucinich suggests tonight’s Democratic debate unfair, files FCC charges versus ABC
    • 1.10 Childhood pneumonia can be cured at home
    • 1.11 Queen voted Britain’s greatest band
    • 1.12 London Knights trade Steve Mason to Kitchener Rangers
  • 2 Footer


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Ireland requests replay of FIFA World Cup play-off with France

Ireland requests replay of FIFA World Cup play-off with France

October 15, 2018 · Filed under Uncategorized

Friday, November 20, 2009

The Football Association of Ireland (FAI), Irish Minister for Sport, Taoiseach and Facebook social network groups are requesting a replay of the controversial FIFA World Cup play-off between Ireland and France in the interests of Fair Play. The FAI lodged an appeal with FIFA and also contacted the French Football Federation (FFF), it appears FAI hopes FFF may agree that a replay is fair play. Both captians, Thierry Henry and Robbie Keane, have called for a replay.

The Irish supporters, who in the past have won the FIFA Fair Play Award, are angry after a blatant double handball by Thierry Henry enabled France to score the extra-time goal that cost Ireland entry to next year’s FIFA World Cup finals in South Africa. Most Irish anger has been directed at FIFA, although French captain Thierry Henry has admitted handling the ball.

FAI has argued that there is a strong precedent; in 2005 where FIFA invalidated the result of a FIFA World Cup qualification match between Uzbekistan and Bahrain on the basis of a technical error by the match referee. However, Law 5 of the Laws of the Game state that: “The decisions of the referee regarding facts connected with play, including whether or not a goal is scored and the result of the match, are final.” and a source at Fifa headquarters in Switzerland said that “there is no way the game can be replayed”. The generic concept of fair play is a fundamental part of the game of football and the Fair Play Campaign was conceived largely as an indirect result of the 1986 FIFA World Cup in Mexico, when the handball goal by Diego Maradona.

The referee Martin Hansson and (referee’s assistants) Stefan Wittberg and Fredrik Nilsson were unable to see the incident but didn’t ask Thierry Henry if he handled the ball. Its hoped the mistake won’t cost the Swedish referee’s a place in South Africa. FIFA’s Fair play policy is playing by the rules, using common sense and respecting fellow players, referees, opponents and fans. The French union representing the nation’s gym teachers declared outrage at what it called “indisputable cheating.”

Minister for Sport Martin Cullen wrote to FIFA president Sepp Blatter urging him to call a rematch in the interests of fair play. Taoiseach Brian Cowen raised the issue with French president Nicolas Sarkozy on the fringes of last night’s EU summit. French Prime minister François Fillon said “neither the French government nor the Irish Government should interfere in the functioning of the international federation”.

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Viktor Schreckengost dies at 101

Viktor Schreckengost dies at 101

October 15, 2018 · Filed under Uncategorized

Sunday, January 27, 2008

Viktor Schreckengost, the father of industrial design and creator of the Jazz Bowl, an iconic piece of Jazz Age art designed for Eleanor Roosevelt during his association with Cowan Pottery died yesterday. He was 101.

Schreckengost was born on June 26, 1906 in Sebring, Ohio, United States.

Schreckengost’s peers included the far more famous designers Raymond Loewy and Norman Bel Geddes.

In 2000, the Cleveland Museum of Art curated the first ever retrospective of Schreckengost’s work. Stunning in scope, the exhibition included sculpture, pottery, dinnerware, drawings, and paintings.

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NASA’s Swift detects possible birth of black hole

NASA’s Swift detects possible birth of black hole

October 14, 2018 · Filed under Uncategorized

Friday, January 21, 2005

On Jan. 17, the NASA-led Swift satellite mission detected and imaged its first gamma-ray burst, one of the most powerful explosions to occur in the universe.

The burst was in the midst of exploding as Swift, designed to autonomously repoint itself, turned and focused in less than 200 seconds on the event. The satellite was fast enough to capture an image with its X-Ray Telescope (XRT), while gamma rays were still being detected with the Burst Alert Telescope (BAT).

“This is the first time an X-ray telescope has imaged a gamma-ray burst while it was bursting,” said Dr. Neil Gehrels, Swift’s principal investigator at NASA’s Goddard Space Flight Center, Greenbelt, MD. “Most bursts are gone in about ten seconds, and few last upwards of a minute. Previous X-ray images have captured the burst afterglow, not the burst itself.”

“This is the one that didn’t get away,” said Prof. John Nousek, Swift’s mission operations director at Penn State University, in State College, PA. “And this is what Swift was built to do: to detect these fleeting gamma-ray bursts and focus its telescopes on them autonomously within about a minute. The most exciting thing is this mission is just revving up.”

Swift has three main instruments. The BAT detects bursts and initiates the autonomous slewing to bring the XRT and the Ultraviolet/Optical Telescope (UVOT) within focus of the burst. In December, the BAT started detecting bursts, including a remarkable triple detection on Dec. 19. Today’s announcement marks the first BAT detection autonomously followed by XRT detection, demonstrating the satellite is swiftly slewing as planned. The UVOT is still being tested, and it was not collecting data when the burst was detected. Scientists expect Swift to be fully operational by Feb. 1.

“We are frantically analyzing the XRT data to understand the X-ray emission seen during the initial explosion and the very early afterglow,” said Dr. David Burrows, the XRT lead at Penn State. “This is a whole new ballgame. No one has ever imaged X-rays during the transition of a gamma-ray burst from the brilliant flash to the fading embers.”

The origin of gamma-ray bursts remains a mystery. At least some appear to originate in massive star explosions. Others might be the result of merging black holes or neutron stars. Any of these scenarios likely will result in the formation of a new black hole.

The Swift satellite’s two-year mission will be to:

  • Determine the origin of gamma-ray bursts.
  • Classify gamma-ray bursts and search for new types.
  • Determine how the explosion develops.
  • Use gamma-ray bursts to study the early universe.
  • Perform the first sensitive hard X-ray survey of the sky.

Swift, still in its checkout phase, is an international collaboration launched on Nov. 20, 2004. It is a NASA mission in partnership with the Italian Space Agency and the Particle Physics and Astronomy Research Council, United Kingdom.

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EPA block massive West Australian energy project

EPA block massive West Australian energy project

October 14, 2018 · Filed under Uncategorized

Wednesday, June 7, 2006

The Western Australian (WA) Environmental Protection Authority (EPA) has advised against the massive Greater Gorgon liquefied natural gas project off WA’s Pilbara coast. Proponents of the projects say Gorgon is one of Australia’s biggest export ventures, scheduled to provide up to 6,000 jobs and exports of up to $1.2 billion.

EPA chairman Dr Wally Cox said the Gorgon project operators (Chevron, ExxonMobil, and Shell), had made an effort on flora and fauna issues but in its present state, the Gorgon proposal was “unacceptable.” Gorgon LNG general manager Colin Beckett said that Gorgon was a world-class gas field and that the joint venture partners were confident that the decision would be reversed.

Environment Minister Mark McGowan said there was a definite process to be followed. The Minister says he will make a final decision on the Gorgon proposal after considering the EPA report – and any subsequent report from the Appeals Convenor. The EPA recommendations on the Gorgon proposal are subject to a two-week appeals period.

The EPA’s Dr Cox said that joint venture had “not been able to demonstrate that impacts from dredging, the introduction of non-indigenous species and the potential loss of fauna could be reduced to acceptable levels.”

In September 2003 the WA government provided “in-principle agreement” to the Gorgon joint venturers subject to a number of conditions. Dr Cox said that the Environmental Review and Management Programme had further highlighted the terrestrial and marine conservation values of Barrow Island and the adjacent waters.

Flatback turtles in particular would be put at risk from the proposal with two of the most important nesting beaches located adjacent to the proposed LNG processing plant site and the materials off-loading facility,” Dr Cox said. “There is very little science available on the life-cycle, behaviour and feeding habits of Flatback turtles and as a consequence it is not possible at this time to identify management measures that would ensure ongoing survival of this Pilbara Flatback turtle population.”

Dr Cox also said that the Proponent had not been able to demonstrate that risk could be reduced to satisfactory levels in the areas of: Impacts on the marine ecosystem from dredging; The introduction of non-indigenous species; Potential loss of subterranean and short range endemic invertebrate fauna species. “As a result, the proposal in its present form cannot meet the EPA’s environmental objectives and is considered environmentally unacceptable,” Dr Cox said.

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Dog owner to face felony charge

Dog owner to face felony charge

October 13, 2018 · Filed under Uncategorized

Thursday, March 17, 2005

Two dog attacks in a week puts Spotsylania County authorities in the spotlight to take action on pet owners for their dog’s behavior. In unrelated incidences, an elderly woman was killed and another woman was bitten. Three dogs have been shot dead by police.

An 82 year old woman was walking her Shih Tzu breed of dog in her front yard last week when she came under attack by three Pit Bulls. She died being transported to the hospital after police responded and shot two of the attacking dogs. They later captured the third dog and euthanized it.

More recently, a 31 year old woman was bitten on her hand during a fight that ensued between two Pit Bulls in her back yard. The responding police officer shot the aggressor dog.

Public outcry over the death of the elderly woman stirred procecutors to charge the dogs’ owner, Deeana Large, with involuntary manslaughter. This is a first for the Commonwealth of Virginia where charges that carry a maximum penalty of 10 years are leveled in a case involving a pet’s owner. In order to gain an indictment, prosecuters will have to prove the dogs’ owner was criminally negligent. In the biting incident, the attacking dog’s owner faces a misdemeanor charge of letting the dog run at large.

Deeana Large, who initially said she owned only 1 of the 3 dogs involved in the mauling case, has not yet been formally charged and awaits indictment. Investigators in the case say there were earlier reports of her dogs allegedly killing a German Shepard and a kittten in her neighborhood. Complaints by neighbors spurred an animal control officer to be looking for the dogs at the time the woman was killed.

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Remnants of Hurricane Felicia affect Hawaii

Remnants of Hurricane Felicia affect Hawaii

October 12, 2018 · Filed under Uncategorized

Wednesday, August 12, 2009

The remnants of former Hurricane Felicia continue to affect the Hawaiian islands today, prompting the issuance of a flash flood watch for Oahu, Maui, Lanai, Molokai, and Kauai. According to the National Weather Service, a flash flood watch is issued “to indicate current or developing hydrologic conditions that are favorable for flash flooding in and close to the watch area, but the occurrence is neither certain or imminent”.

Felicia, once a Category 4 storm on the Saffir-Simpson Hurricane Scale, weakened to a tropical depression before dissipating Tuesday. Its remnants produced showers across most of the islands, though as of yet, no damage or flooding has been reported. The precipitation, reaching 6.34 inches at a gauge on Oahu, was described as “beneficial”. Some of the rainfall was accompanied by thunderstorms and frequent lightning.

…when I heard there’s going to be 12- to 15-foot faces, I was excited.

The advisories are due to expire late tonight, as officials caution that further rainfall could potentially lead to flooding. On Kauai, some rivers have already begun to swell.

Surfers, however, have been enjoying unusually high waves generated by the storm. One resident of Oahu said, “I’m pretty excited. We usually don’t get this much big surf at [Sandy Beach Park]. So when I heard there’s going to be 12- to 15-foot faces, I was excited. I thought I’d grab my fins, come out, check it out this morning.” Bathers other than experienced surfers were advised to avoid the water.

Despite the demise of Felicia, the tropics remain active; two tropical depressions are currently persisting in the Eastern Pacific, while several systems are being watched for development in the Atlantic.

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Large hoard of Anglo-Saxon gold found in Staffordshire, England

Large hoard of Anglo-Saxon gold found in Staffordshire, England

October 12, 2018 · Filed under Uncategorized

Thursday, September 24, 2009

A large hoard of Anglo-Saxon gold has been found in a field in Staffordshire, England.

The hoard, which was found in a private field over the course of five days in July 2009, is in fact the most Anglo-Saxon gold that has ever been unearthed at one site in the United Kingdom. Roughly 1,500 gold and silver pieces were found and the hoard contains roughly 5kgs of gold and 2.5kgs of silver — far more than the previous record of 2.5kgs of gold which was found at Sutton Hoo, near Woodbridge.

The big haul in Staffordshire was found by 55-year-old Terry Herbert, while he was using a metal-detector. He had asked a local farmer’s permission to search the land beforehand. Terry is unemployed, and has been in the hobby of metal-detecting for the last 18 years. He said: “People laugh at metal detectorists.

“I’ve had people go past and go ‘beep beep, he’s after pennies’. Well no, we are out there to find this kind of stuff and it is out there.”

It is estimated to take over twelve months before the value of the hoard can be valued specifically. South Staffordshire Coroner Andrew Haigh declared it “treasure“. That means that it belongs to the Crown. Archaeology experts have predicted that it could be worth “a seven-figure sum” and that the treasure may date back to the 7th century. The exact location where the hoard was found is currently being kept secret.

 This story has updates See Staffordshire hoard goes on display in British Museum in London, England, November 4, 2009 

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