No, That would come under A "Watercraft Insurance Policy".
Yes, in comparison to non-coastal cities,, Homeowners insurance in Galveston Texas will tend to be more expensive per square foot of home.
There is no such thing as an average cost of a Homeowners Insurance policy. Every Risk is different.
It really just depends on what type of policy and the scope of coverage you select. Typical perils covered are things like Fire, Wind, Hail, lightning, falling objects and many others. Talk with your Insurance Agent about risks you may face and the available coverages in your area.
The homeowners protection class code for Marlin Texas is "6"
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
Windstorm related losses are covered by Texas Windstorm Insurance
Yes, if your daughter is on the policy, either disclosed as a driver away at school in another state or she is on the policy and is just travelling to that other state and will be there no longer than 5 days in most cases.
HO-1, HO-2, and HO-3 policies are the primary standard homeowners policies in all states.
No. You and your spouse are considered to be in the same household and are covered on the same insurance policy most likely. This would be like suing yourself, which you cannot do.
InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas Auto Policy.
A Law? No School Policy which can be enforced, Yes. But its not like someone can put you in handcuffs for not covering your book.
Depends on the insurance policy. There might be a condition that any driver must be licensed for the insurance to be in effect. If it is your car and your insurance, you probably have a problem.