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Insurance Talk Texas

AR Schell & Son Agency

Insurance Talk Texas is the go-to podcast for anyone looking to understand the ever-changing world of insurance across the Lone Star State. Hosted in partnership with AR Schell & Son Agency—Collin County's oldest independent insurance agency, serving Texans since 1930—this show brings expert insights, practical advice, and real-world stories to help individuals, families, and businesses make informed insurance decisions. Each episode breaks down complex topics like auto, home,

All Episodes

6:29

After the Storm: What North Texas Homeowners Must...

Insurance Talk Texas ·

2026/04/10

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.The storm has cleared — now what? Most North Texas homeowners know that spring means hail and wind. But what happens in the hours and days after a storm can determine whether your insurance claim gets paid or gets closed without a dime. In this episode of Insurance Talk Texas, we break down exactly what to do after a storm hits, how to

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10:35

Distracted Driving & Your Auto Insurance: What Every...

Insurance Talk Texas ·

2026/04/01

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.April is Distracted Driving Awareness Month — and if you're behind the wheel anywhere in North Texas, this episode is one you absolutely can't afford to skip. This week on Insurance Talk Texas, we're pulling back the curtain on how distracted driving directly impacts your auto insurance rates, your driving record, and your long-term

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7:05

3 New Texas Insurance Laws in 2026 That Every...

Insurance Talk Texas ·

2026/03/27

DESCRIPTION: Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.Did you know the Texas Legislature quietly handed every homeowner and driver in the state three powerful new rights at the start of 2026 — and most Texans have no idea they even exist? In this episode of Insurance Talk Texas, we break down the full package of consumer-protective insurance laws that took effect January 1, 2026,

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10:49

The "Full Coverage" Myth: What Your Texas Auto...

Insurance Talk Texas ·

2026/03/20

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.Almost every driver in Texas says they have "full coverage" — but almost none of them know exactly what that means. In this episode of Insurance Talk Texas, we break down one of the most misunderstood phrases in all of insurance and explain what Texas drivers are actually protected for, where the dangerous gaps are, and what you can do

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9:59

Your Homeowners Insurance Doesn't Cover Floods — What...

Insurance Talk Texas ·

2026/03/12

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.North Texas just got a wake-up call. Flash flood warnings struck Dallas, Tarrant, and Rockwall counties on March 4, 2026 — and with spring storm season officially underway, more is on the way. But here is what most DFW homeowners do not know: your standard homeowners insurance policy does NOT cover flood damage. Not one penny. Not one

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9:02

Texas Umbrella Insurance Explained: Why North Texas...

Insurance Talk Texas ·

2026/03/06

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.Are you a North Texas homeowner, driver, or parent of a teen driver who thinks your home and auto insurance is enough? Think again. In this episode of Insurance Talk Texas, we're breaking down one of the most powerful — and most overlooked — types of insurance coverage available to Texas families: personal umbrella insurance.Most North

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6:19

Spring Storm Season 2026: The North Texas Insurance...

Insurance Talk Texas ·

2026/02/27

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.Spring storm season starts in March and North Texas homeowners need to be ready NOW. In this episode of Insurance Talk Texas, we break down the complete insurance checklist every DFW homeowner and driver must complete before the first hailstorm of 2026. North Texas averages nine to twelve hail days per year and Collin and Denton counties

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🚨 DEADLINE MONDAY: The New 2026 HIPAA Privacy Reset...

Insurance Talk Texas ·

2026/02/08

Description: Are your company’s health privacy notices legal? You have until February 16, 2026, to comply with a major federal update. In this 9-minute episode, the team at Schell Insurance breaks down the urgent HIPAA changes regarding Substance Use Disorder (SUD) records and what every Texas employer needs to do this week.In this episode:The Feb 16th Deadline: Why you must update your Notice of Privacy Practices (NPP) now.HB 2067 First Look: The first transparency reports are out—why carriers are

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TEXAS AUTO LIMITS HIKE! 🚨 HB 4178 Explained + New...

Insurance Talk Texas ·

2026/01/31

Visit https://schellinsurance.com or call 972-423-4546 for a quoteIs your Texas auto insurance policy officially "outdated"?Welcome back to Insurance Talk Texas, the podcast dedicated to keeping Lone Star residents protected and informed. In this week’s deep-dive episode, we are breaking down a massive "January 1st Reset" that is hitting every driver and homeowner in the state. From the first mandatory auto liability increase in 15 years to a major shake-up at the Texas Department of Insurance, 2026

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4:28

Insurance Talk Texas - Arctic Blast 2026: What You...

Insurance Talk Texas ·

2026/01/23

A historic winter storm is hitting Texas RIGHT NOW, and your insurance coverage could make all the difference. In this emergency episode, we break down everything Texans need to know about protecting their homes, cars, and businesses during this unprecedented weather event.What We Cover:✅ Does homeowner's insurance cover frozen pipes and ice damage? ✅ What to do RIGHT NOW to protect your property ✅ Auto insurance during winter storms ✅ The difference between flood insurance and homeowner's coverage

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NEW Texas Insurance Law 2026: Why Your Insurer MUST...

Insurance Talk Texas ·

2026/01/16

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions.A groundbreaking new Texas law just took effect January 1, 2026, and it's changing everything about how insurance companies communicate with Texas consumers. House Bill 2067 now requires all insurance companies to automatically provide written explanations when they decline, cancel, or refuse to renew your insurance policy—and this

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Texas Insurance Rate Shock 2026: What's Behind Your...

Insurance Talk Texas ·

2026/01/11

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutionsTexas families are experiencing an unprecedented insurance affordability crisis in 2026 as auto, homeowners, and health insurance premiums all spike simultaneously. If you opened your renewal notices in January 2026 and felt sticker shock, you're not alone - millions of Texans are facing the same challenge. This comprehensive guide explains

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2026 Texas Insurance Rate Increases - What Changed...

Insurance Talk Texas ·

2026/01/02

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutionsTexas insurance rates just experienced massive increases on January 1, 2026, leaving thousands of families wondering why their premiums jumped even though they had no accidents, tickets, or claims. In this episode of Insurance Talk Texas, we break down exactly what changed, why it happened, and what Texas consumers can do right now to

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6:31

Texas Insurance Topics to Consider in 2026 |...

Insurance Talk Texas ·

2025/12/26

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutionsTexas insurance is changing dramatically in 2026, and this episode covers everything you need to know about health insurance premium spikes, auto insurance crossing the $3,000 threshold, homeowners market challenges, workers' compensation requirements, and new cyber insurance legislation. Whether you're a Texas consumer or business

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6:31

Texas Insurance Topics to Consider in 2026 |...

Insurance Talk Texas ·

2025/12/26

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutionsTexas insurance is changing dramatically in 2026, and this episode covers everything you need to know about health insurance premium spikes, auto insurance crossing the $3,000 threshold, homeowners market challenges, workers' compensation requirements, and new cyber insurance legislation. Whether you're a Texas consumer or business

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7:56

Region-Specific Insurance Concerns Across Texas |...

Insurance Talk Texas ·

2025/12/19

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas insurance challenges vary dramatically by region. What you need in Houston is completely different from Dallas-Fort Worth, the Permian Basin, or coastal areas. This episode breaks down the specific insurance concerns, coverage requirements, and costs for each major Texas region so you can protect your property based on where you

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7:56

Region-Specific Insurance Concerns Across Texas |...

Insurance Talk Texas ·

2025/12/19

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Texas insurance challenges vary dramatically by region. What you need in Houston is completely different from Dallas-Fort Worth, the Permian Basin, or coastal areas. This episode breaks down the specific insurance concerns, coverage requirements, and costs for each major Texas region so you can protect your property based on where you

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8:15

Texas Business Insurance: Workers Comp, Coverage Gaps...

Insurance Talk Texas ·

2025/12/12

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutionsRunning a business in Texas comes with unique insurance challenges that don't exist in any other state. This comprehensive guide breaks down the critical issues every Texas business owner needs to understand to protect their company in 2025 and beyond. THE TEXAS WORKERS' COMPENSATION DILEMMA Texas stands alone as the only state

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8:15

Texas Business Insurance: Workers Comp, Coverage Gaps...

Insurance Talk Texas ·

2025/12/12

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutions Running a business in Texas comes with unique insurance challenges that don't exist in any other state. This comprehensive guide breaks down the critical issues every Texas business owner needs to understand to protect their company in 2025 and beyond. THE TEXAS WORKERS' COMPENSATION DILEMMA Texas stands alone as the only state

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6:00

Texas Homeowners Insurance CRISIS: What Every Texan...

Insurance Talk Texas ·

2025/12/05

Call Schell Insurance at (972) 423-4546 for a personalized quote or visit https://schellinsurance.com to learn more about their comprehensive insurance solutionsTexas homeowners are facing an unprecedented insurance crisis. With premiums up 54% since 2019 and four major insurers leaving the state in 2024, understanding your homeowners insurance has never been more critical. In this essential episode of Insurance Talk Texas, we break down everything you need to know about Texas homeowners insurance

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