Texas’s $25,000 minimum property-damage limit can fall short next to an average vehicle value near $47,000. A confusing Galveston turn can become a costly crash. #theodonohoeagencygalveston #GalvestonTX

Motorcycle liability generally concerns covered costs for others if you’re found responsible - not repairs to your own bike. On busy Galveston roads, know what your policy says. Questions? Contact The O’Donohoe Agency. #theodonohoeagencygalveston #MotorcycleSafety

This one mistake can cost homeowners thousands in flood damage - treating flood insurance like set-it-and-forget-it. Annual policy reviews matter, especially after renovations or rising rebuild costs. #theodonohoeagencygalveston #FloodInsurance

Think your condo insurance covers everything inside? Double-check your master policy—most don’t. Let’s make sure you’re not left with gaps. #theodonohoeagencygalveston #InsuranceTips

“Full coverage” isn’t real insurance lingo - it often misses key protections like uninsured motorist. Ask what’s actually included in your policy! #theodonohoeagencygalveston #InsuranceTips

Insurance should fit your life, not the other way around. We break down every policy detail and review your coverage each year so you always know what’s protected. #theodonohoeagencygalveston #GalvestonInsurance

Roommates in Galveston? Some carriers let you share renters insurance, others require separate policies. Ask before you risk it. #theodonohoeagencygalveston #InsuranceTips

Your landlord’s policy won’t cover your things if disaster hits—renters insurance protects your stuff, from your TV to your favorite kitchen gear. Get peace of mind in Galveston. #theodonohoeagencygalveston

Renting an apartment with a detached garage in Galveston? One renters policy usually covers your stuff in both spaces if they’re part of your lease. Always check your policy details. #theodonohoeagencygalveston

Your renters insurance usually covers just your stuff - not your roommate’s, and never for intentional damage. Know your exclusions before you need them. #theodonohoeagencygalveston #InsuranceTips

Don’t settle for a payout that won’t replace your stuff after a storm. Replacement cost coverage makes a real difference in Galveston. Questions? Let’s talk options. #theodonohoeagencygalveston #InsuranceTips

Replacement cost pays for a new item today - actual cash value only covers what it’s worth now. Make sure your coverage keeps up with Galveston life. #theodonohoeagencygalveston #InsuranceTips

Got a renter’s policy? It can cover your apartment, garage, and even a storage unit—no separate policy needed with the right coverage. Always check your details. #theodonohoeagencygalveston #InsuranceTips

Think your landlord’s insurance covers your stuff? It usually doesn’t. For Galveston renters, aim for at least $300K liability and make sure your assets are listed. #theodonohoeagencygalveston #InsuranceTips

Galveston riders know potholes and dips come out of nowhere. Scan 14 seconds ahead and check your coverage - the right policy makes all the difference. #theodonohoeagencygalveston

Vet bills can add up quick in Galveston - a pet policy helps cover those costs after your deductible. Message us to see what’s covered for your furry friend. #theodonohoeagencygalveston

Fire is covered by renters insurance, but flood isn’t—you need a separate flood policy for that. Unsure about your coverage? We can help. #theodonohoeagencygalveston

Most Galveston apartments now require renters to carry liability insurance - but $300k coverage is a smart play for real peace of mind. Protect yourself and your stuff. #theodonohoeagencygalveston #InsuranceTips

Did you know renters insurance often limits coverage for jewelry, cash, and art? Schedule your valuables to avoid gaps and stay protected. #theodonohoeagencygalveston #InsuranceTips

Vet bills can hit fast - a pet policy keeps you covered when those surprises come. Affordable peace of mind for every Galveston pet owner. #theodonohoeagencygalveston #InsuranceTips