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Home Insurance

Replacement Cost is defined as the cost associated with replacing a new home of like kind and quality. This cost is normally associated with building a replacement home from the ground up.  Market Value is defined as what a buyer would pay for a home on the real estate market.


These two costs are completely different.  Market value takes into consideration land value along with what other houses are selling for in today's market.  Replacement cost is based on the cost of materials and labor to build a duplicate or replica of your original home. 

The cost of materials increases when supply and demand is high, typically during major catastrophes.  Most insurance companies offer increased dwelling replacement cost.  This endorsement is added to your policy and gives you an additional 25%-50% replacement cost in the event your home costs more to rebuild after a total loss.

home insurance

Homeowner’s coverage doesn’t have to be difficult to understand. A basic policy will cover the following:

  • The structure of your home

  • Replacement costs

  • Personal possessions (up to a set limit)

  • Living expenses in case of a disaster

  • Liability

  • You can also add supplemental policies such as:

  • Valuable articles/floater policies (i.e. Jewelry Insurance)

  • Flood policies

  • Umbrella policies (additional liability)

Auto Insurance

The minimum liability and property damage required in Texas is $30,000/$60,000/$25,000​.

$30,000 is the maximum liability paid out to one person per accident.  $60,000 is the maximum liability paid out if more than one person is involved in an accident. 

$25,000 is the maximum amount paid out for property damages to a car. ​

While these are the minimum limits you are required to carry in the state of Texas, they do not provide enough coverage in the event of an at fault accident involving high dollar or multiple cars.

Now the liability portion should be obvious.  We all know how expensive health care is in the U.S.  If you're involved in an at fault accident and seriously injure the other driver causing medical care, do you think $30,000 will be enough?  The point is you are liable for any dollar amount above your coverage limit.  It doesn't cost much more to double your limits for better peace of mind. 

auto insurance

At Decisive Insurance we offer:

  • Auto Insurance

  • Motorcycle Insurance 

  • ATV and Motorsport Insurance

  • RV and Mobile Home Insurance 

  • Boat and Watercraft Insurance 

Life Insurance 

life insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.​

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

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