A 100-year floodplain label doesn’t automatically mean a historic home can’t be insured. The structure’s replacement value may be part of the conversation, but details depend on the property and policy. #theodonohoeagencygalveston #Floodplain

A $65,000 appraisal doesn’t answer which policy responds if a classic car floods. The policy language does - don’t assume. Questions? Talk with The O’Donohoe Agency. #theodonohoeagencygalveston #ClassicCars

The website URL wasn't provided, so we won't guess. #theodonohoeagencygalveston #Galveston

Condo discounts can be easy to miss. Ask whether bundling qualifies, and compare the full costs - savings vary by insurer and policy. Talk with The O'Donohoe Agency about your options. #theodonohoeagencygalveston #CondoInsurance

A vintage Indian appraised at $120,000 shows why a bike’s stated value deserves a closer look. Read the policy to understand how that amount applies. #theodonohoeagencygalveston #VintageMotorcycle

Insurance shouldn’t feel like a guessing game. Clear explanations, room for questions, and choices that reflect your preferences make a difference. Start a conversation with The O’Donohoe Agency. #theodonohoeagencygalveston #InsuranceClarity

Weekend guests can change the coverage conversation. A condo rented by the night may be treated differently than one you live in or rent long term - describe how it’s used and ask what applies. #theodonohoeagencygalveston #ShortTermRental

A classic car on a trailer may not be covered the way you expect after a crash. Ask how the policies fit together before the tow - the details matter. #theodonohoeagencygalveston #ClassicCar

A Texas motorcycle policy may cover others without automatically protecting you or your bike. Check the actual wording and ask clear questions. #theodonohoeagencygalveston #MotorcycleInsurance

Got a vintage ride? You don’t have to know who to ask - call The O'Donohoe Agency and the team can connect you with the right person to discuss your questions. #theodonohoeagencygalveston #ClassicCars

An older home may cost more to repair when today’s building requirements call for features it never had. Some policies offer optional coverage for certain added construction costs - ask what yours includes. #theodonohoeagencygalveston #HomeInsurance

A policy shouldn't be a guessing game. Ask questions and get clear on what the wording says before you need to rely on it. #theodonohoeagencygalveston #InsurancePolicy

Water inside your home doesn’t automatically mean flood damage - how it got in matters. For a local conversation after a storm, connect with The O’Donohoe Agency. #theodonohoeagencygalveston #WaterDamage

Texas coastal homeowners: wind and hail may not be included in every policy. Check your county and policy wording before assuming - questions? The O'Donohoe Agency is here to talk. #theodonohoeagencygalveston #TexasWindstormCoverage

Flood damage doesn't need a hurricane - heavy rain can raise water around a home, and Gulf surge is another possibility. Check what your policy says about the dwelling and contents. #theodonohoeagencygalveston #FloodInsurance

That old $10,000 estimate may be stale - classic car values can shift fast. A yearly appraisal isn’t a rule; it depends on the market. Questions? Start a conversation with The O'Donohoe Agency in Galveston. #theodonohoeagencygalveston #ClassicCars

Hurricane Ike totaled a nearly restored 1963 Corvette, but its agreed value was $65,000 - the amount paid in this customer’s story. Know what your policy says before a loss. #theodonohoeagencygalveston #AgreedValue

Your homeowners policy doesn’t automatically cover flooding. On a barrier island, rising water and tidal surge make it important to know what your coverage says before a storm. #theodonohoeagencygalveston #FloodInsurance

One storm, two causes, different policies: the video explains TWIA’s role in windstorm and hail damage, versus a fire caused by an electrical short. For local insurance questions, connect with The O'Donohoe Agency. #theodonohoeagencygalveston #TexasWindstorm

A Texas home left empty for more than 30 days may need a policy change. Selling? Check in with your insurance agent early about your move-out and closing dates. #theodonohoeagencygalveston #SellingAHome