Insurance for Life's Big Moments.
The permit on the kitchen table. The renewal that jumped. The closing date that will not move. Every big moment comes with an insurance question, and this library answers them in plain English. It is built for people who want to understand their coverage, not just shrink the bill.
Real answers, including the ones that do not make us money. That is the point.
The McDade How-To Library answers the insurance questions Houston families ask at life's big moments, from teen drivers to flood zones to renewal letters. Every answer is written by a licensed local broker. About 40 percent of the time we tell clients to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family.
Find your moment
Two shelves below. Home and Water on one, Auto and Life Events on the other. Start where your life is right now.
Get the plain answer
Every page answers its question in the first breath, then explains the parts of the fine print that matter at claim time.
Talk it through
When you are ready, a licensed McDade broker walks your situation with you. Reading is free. So is the conversation.
Home and Water.
The roof over your family and the water Houston keeps sending at it. Start with the question that sounds like yours.
Why did my home insurance renewal jump?
Get a second opinion on your renewal the way you would before surgery. We read it line by line and tell you if staying is the right answer.
The shiny new quoteA new home quote just landed. Is it any good?
A quote evaluation is a pre-purchase inspection for a policy. We check what the lower number quietly leaves out before you sign.
The flood questionWhat flood zone am I in?
Free FEMA lookup by address, no login, answers in seconds. Houston floods outside the lines, so knowing yours is step one.
The flood decisionWhat will flood insurance actually cost me?
See your real government flood price in about ten minutes through our Selective NFIP portal, then a broker reads it with you.
After the stormWas that flood water or wind-driven rain?
Two different policies answer for the same puddle. Which one pays depends on how the water got in, and it decides everything.
The next roofWill a fortified roof lower my Texas home insurance?
The data says yes, and you do not have to wait for Austin. What the Abbott plan proposes and the doors open today.
Auto and Life Events.
New drivers, new addresses, new chapters. The moments that change your policy whether you noticed or not.
How do I get ready to add a teen driver?
Timing, discounts, telematics as a coach in the passenger seat, and the limits conversation nobody else has with you.
The learner's permitWhen do I add a teen with a learner's permit?
Most carriers cover a permitted teen at little or no charge. The move is telling us early so licensure day has no surprises.
The dorm moveMy kid is leaving for college. What changes?
Away-at-school setups, why removing them creates a coverage gap, and what follows the student to the dorm.
The renewal letter, againWhy did my auto renewal jump?
Same second opinion, auto edition. Send the renewal, we read the whole contract and tell you what actually moved.
The bundle questionIs bundling home and auto worth it in Houston?
Usually yes, sometimes no, and we show you when separate policies still win. The honest math, not the commercial.
The letter nobody wantsMy home insurance was not renewed. Now what?
You have more time and more options than that letter implies. The steps, the deadlines, and where a broker changes the outcome.
Hit a term you do not know?
Definitions live in the glossaries, decisions live here. Every technical term across this library links to its plain-English definition, and every definition links back to the decision it belongs to.
Every page in this library answers its question the way I would at your family's kitchen table. The whole answer, whether you ever work with us or not, because the goal is your family making the right call, and sometimes the right call is staying exactly where you are.
Charles McDade, LUTCF · Founder, McDade Insurance Brokerage Group
Reading answered the question. A review answers yours.
Upload your current declarations page and a licensed McDade broker reads your actual coverage against the 50+ top Texas carriers we know well, then tells you the truth about it, even when the truth is stay put.
The audit is free. The decision is yours. No broker fees for personal lines clients.