FAQ

 

This is a collection of some of the most frequently asked questions that our Agents get asked on a daily basis.

 

Why do I need to purchase insurance?

 

  • To protect your assets against litigation due to a lawsuit.

  • It provides for your cost of defense when you are sued or taken to court.

  • Allows you to purchase high value items such as a home, property, auto or business by insuring the collateral on behalf of the financial institution that provided the loan for such purchases.

  • Provides financial protection in the event that your property becomes damaged.

  • Provides financial security for your family in the event of your death.

  • Provides for the health care of you and your family in the event of an emergency, sickness, disease, etc...

  • Allows you to remain financially solvent when you're ill and can't work.

 

 

AUTO INSURANCE


How does where I live in Texas affect my premium?
Where your car is located directly affects the statistics of having an accident, becoming damaged by nature or becoming a victim of theft or even vandalism. The likelihood of encountering these circumstances increase in larger, more densely populated areas, while such incidents remain relatively lower in rural areas. Additionally the reaction time and efficiency of police response, law enforcement, local road/traffic conditions and the quality of local medical services can all affect area wide insurance rates. Some insurance companies even factor in the litigation averages in a given area.

Do all states require Liability Insurance?
No, not every state requires Auto liability insurance. However, most have financial responsibility laws mandating that all eligible drivers must be able to pay for any damage or injury they might cause if they elect not to carry insurance. However in Texas, Auto liability insurance is required by law.

How do I keep my insurance carrier from canceling my policy?
Properly maintaining your vehicle, keeping a clean driving record, considering investing in special safety and security features for your car can all help not only keep you insured, but may even make you eligible for a ton of discounts. If you've been in an accident or had some form of violation in the past 3 to 5 years, consider taking a defensive driving course.

What happens when I loan my car out to someone? Is that covered by my policy or not?
Yes. Auto liability and coverages for Comprehensive and Collision protection always follow the car in question. However in some cases, if the other driver of your car has insurance, their policy may also be available to cover the costs of physical damages and/or injuries. Therefore the same laws apply when you are loaned someone else's car; your insurance follows you regardless of whose car you're driving. However the actual vehicle owner's insurance policy is the primary coverage in the event of an accident.

Am I covered for natural disasters or what are commonly referred to as “Acts of God”?
Comprehensive insurance coverage covers you for fire, theft, most forms of flood damage, earthquake, hail, other natural perils & hitting an animal. If you have specific concerns about coverage's for your vehicle in the event of a natural disaster, then contact us for information specific to your policy and needs.


 

HOMEOWNERS INSURANCE


Who decides on the type of homeowners insurance, my mortgage company or me?
You do just so long as the coverage meets or exceeds the requirements of your loan agreement. Most mortgage companies collect a specific amount of payment from you each month in order to protect their investment by purchasing insurance on their end or building your insurance costs into the loan. This money is often put into escrow and covers your insurance and taxes. However, many people still pay for their own insurance policies on their own. Regardless, the insurance policy is still yours to decide on and you have the right to select the insurance policy you feel offers the best coverage at the best rate.

What exactly does Homeowners insurance cover?
Exact coverage varies from policy to policy and is therefore impossible to define simply because there are so many different policy forms and hundreds of insurance companies in Texas. However, over 80% of Homeowners policies are based on a standard form which cover two main areas, Property and Liability. Property insurance covers your home, external structures and the contents located within your home. The Personal Liability section is coverage for the actions caused by you, your family, or your property. That liability also extends to medical payments to others for injuries caused accidently by you or your family.

Are floods, earthquakes and other natural disasters covered by my Homeowners?
Most catastrophes are covered within your policy. However, flood and earthquake damages are not covered by a typical policy. Depending on your physical location however, adding these policies or coverage's may be extremely important. Our agents can advise you on what is and isn't covered in a standard policy as well as make recommendations on your specific wants and needs.

Are there exclusions I should know about?
Yes, exclusions are just as important to know as your coverage's. Some common exclusions might include flood, earthquake, neglect, termite damage, intentional loss, earth movements, general power failure and even damage caused by war and/or nuclear disasters. If for some reason you fail to take proper care of your home (For example, fix a leaking pipe or roof), then you might not be covered. Obviously, if you purposely intend to cause damage to an object or your property, there is no coverage granted. Another exclusion that can be costly if you live in an urban area, is the Ordinance of Law exclusion. City building codes can often drive up the cost of rebuilding or repairing a home after a loss and might not be covered by your homeowners insurance policy. You might discover when rebuilding your home, that current laws demands higher grade, certain exterior changes or more expensive materials than those you're replacing, therefore the new materials might not be covered.


 

RENTERS INSURANCE


Is renters insurance expensive?
Renters insurance is typically available for around $100 a year depending on what limits are requested. So it's much more affordable then you might think and it can help protect you from significant losses.

Will my landlord's insurance policy protect me?
No. The property owner's policy covers the building itself and the owner's liability. Therefore you still need your own renter policy to cover your contents and liability at a minimum.


 

BUSINESS INSURANCE


I just started my business so do I need insurance?
Yes. Your risk of suffering a loss can begin the day you open your doors for business. Therefore if you suffer a loss and don't have insurance or you have improper/insufficient coverage, then you could suffer a devestating financial loss. Not to mention, many states and local jurisdictions require businesses to have insurance to begin operating. Even if you lease space for your business, your landlord probably still requires you to obtain adequate liability insurance. Plus even when you're renting, you may still have personal property, inventory, signage and dozens of other things to insure.

I don't really have any large assets so why do I need insurance?
Every business no matter how small, has some form of property. Just like your home or your car, you need to protect your business from losses, damages and especially liability. In addition, your business is your source of income and any interruption can directly affect your wallet.

Does insurance coverage vary from business to business?
It can significantly. Many businesses opt for package insurance policies that cover both the Property and Liability loss exposures as well as for a loss of income incase the business becomes closed due to one of the covered losses. A very common insurance package used by many small businesses is called a BOP or Business Owners Policy. Often times, BOP's provide more complete coverage's at an even lower rate than separate policies for each type of insurance needed.
 

What does a standard BOP (Business Owners Policy) cover?
Most combine protection from all the major property and liability risks all in one package. Larger companies or those needing more advanced coverage options might purchase a commercial package, surplus lines or let us customize their policies to meet their specific wants and needs.

Most BOP’s include:

  • Property insurance covering buildings, other structures, inventory and contents legally owned by the company.

  • Business interruption insurance covers loss of income resulting from a fire, windstorm, hailstorm or other catastrophe that disrupts the standard operation of the business therefore affecting income. It can even help cover the extra expenses incurred by having to operate out of a temporary location.

  • Liability protection, which covers the company's legal responsibilities for any harm or damages that it may cause to others. This harm could result from things that you or your employees fail to do or perform during your business operations that could lead to bodily injury or property damage. This could be a result of defective products, faulty installations, improper advice and errors in the products or services provided.

 

Can I insure my home-based business?
Yes. One of the most critical and often neglected steps is buying proper home-based business insurance coverage.

Do I need business interruption insurance?
It's wise to invest in this type of coverage. Business interruption insurance compensates you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire. Business interruption insurance covers the profits you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Do I need workers compensation insurance?
Possibly. Employers have a legal responsibility to their employees to make the workplace safe. However, accidents can happen even when every reasonable safety measure has been taken. So you might need workers compensation insurance when those accidents happen. We also offer Accident Plans which offer many of the similar coverage's but at a much lower premium.

Do I need a commercial auto insurance policy?
You might, depending on how often your company uses vehicles. While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. We'll be more than happy to explain all the differences and options.

What is employment practices liability insurance (EPLI)?
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. The number of lawsuits filed by employees against their employers has been rising. While most suits are filed against large corporations, no company, no matter how small, is immune to such lawsuits

 

Why should I use an agent?
As an independent insurance agency, Texas Legacy Insurance Group represents you, not any one insurance company. We shop and compare hundreds of different insurance companies to find you the absolute best combination of premium and coverage. We even re-shop your policies prior to renewal to ensure that you're still getting the best deal possible. After all, rates change and so does your life, so we can continue to find products and premiums that match your exact wants and needs.

 

 

Don't see an answer to a question that you have? Then feel free to give us a call or send us an email at info@texaslegacyins.com. We'll be glad to help answer any questions that you might have and provide real world examples so that we can help share our experience in a manner that's easy to understand.

We offer Insurance in the following categories:

Home
Auto
Farm & Ranch
Vacant Land
Acreage & Hunting Property
Dairy & Agriculture
Dwelling & Rental
Duplexes, Triplexes & Quads
Apartment Complexes
Mobile Homes
Specialty Homes
Log Homes
Older Dwellings
Umbrella & Excess Liability
E&O Liability
Lake Property
Ocean Front Property
Secondary Homes
Builders Risk
Completed Product(s) & Service Liability
Commercial Building
Commercial Auto
Commercial Liability
Cargo Coverage
Workers Compensation
Liquor Liability
Event & Specialty
Inland Marine
Classic Cars
Motorcycles
RV’s
Boats
Kit Cars
Custom Vehicles
Exotic Cars
Personal Watercraft
ATV’s
Term Life

Whole Life

Universal Life

LifeLock Identity Protection
Annuities
Health
Accident Plans
Dental
Flood Insurance
Mexico Tourist Auto
Custom Liability & Property
& Many More...

We provide coverage for the following areas:

- A -
Abbott, TX
Abernathy, TX
Abilene, TX
Ace, TX
Ackerly, TX
Addison, TX
Adkins, TX
Adrian, TX
Afton, TX
Agua Dulce, TX
Aiken, TX
Alamo, TX
Alanreed, TX
Alba, TX
Albany, TX
Aledo, TX
Alice, TX
Alief, TX
Allen, TX
Alleyton, TX
Allison, TX
Alpine, TX
Altair, TX
Alto, TX
Alvarado, TX
Alvin, TX
Alvord, TX
Amarillo, TX
Amherst, TX
Anahuac, TX
Anderson, TX
Andrews, TX
Angleton, TX
Angus, TX
Anna, TX
Annona, TX
Anson, TX
Anthony, TX
Anton, TX
Apple Springs, TX
Aquilla, TX
Aransas Pass, TX
Archer City, TX
Argyle, TX
Arlington, TX
Armstrong, TX
Arp, TX
Art, TX
Artesia Wells, TX
Arthur City, TX
Asherton, TX
Aspermont, TX
Atascosa, TX
Athens, TX
Atlanta, TX
Aubrey, TX
Austin, TX
Austwell, TX
Avalon, TX
Avery, TX
Avinger, TX
Avoca, TX
Axtell, TX
Azle, TX

- B -
Bacliff, TX
Bagwell, TX
Bailey, TX
Baird, TX
Ballinger, TX
Balmorhea, TX
Bandera, TX
Bangs, TX
Banquete, TX
Bardwell, TX
Barker, TX
Barksdale, TX
Barnhart, TX
Barry, TX
Barstow, TX
Bartlett, TX
Bastrop, TX
Batesville, TX
Batson, TX
Bay City, TX
Bayside, TX
Baytown, TX
Beasley, TX
Beaumont, TX
Bebe, TX
Beckville, TX
Bedford, TX
Bedias, TX
Beeville, TX
Bellaire, TX
Bellevue, TX
Bells, TX
Bellville, TX
Belmont, TX
Belton, TX
Ben Bolt, TX
Ben Franklin, TX
Ben Wheeler, TX
Benavides, TX
Bend, TX
Benjamin, TX
Berclair, TX
Bergheim, TX
Bertram, TX
Big Bend National Park, TX
Big Lake, TX
Big Sandy, TX
Big Spring, TX
Big Wells, TX
Bigfoot, TX
Bishop, TX
Bivins, TX
Blackwell, TX
Blanco, TX
Blanket, TX
Bledsoe, TX
Bleiblerville, TX
Blessing, TX
Bloomburg, TX
Blooming Grove, TX
Bloomington, TX
Blossom, TX
Blue Ridge, TX
Bluegrove, TX
Bluff Dale, TX
Bluffton, TX
Blum, TX
Boerne, TX
Bogata, TX
Boling, TX
Bon Wier, TX
Bonham, TX
Booker, TX
Borger, TX
Bovina, TX
Bowie, TX
Boyd, TX
Boys Ranch, TX
Brackettville, TX
Brady, TX
Brandon, TX
Brashear, TX
Brazoria, TX
Breckenridge, TX
Bremond, TX
Brenham, TX
Bridge City, TX
Bridgeport, TX
Briggs, TX
Briscoe, TX
Broaddus, TX
Bronson, TX
Bronte, TX
Brookeland, TX
Brookesmith, TX
Brookshire, TX
Brookston, TX
Brownfield, TX
Brownsboro, TX
Brownsville, TX
Brownwood, TX
Bruceville, TX
Bruni, TX
Bryan, TX
Bryson, TX
Buchanan Dam, TX
Buckholts, TX
Buda, TX
Buffalo, TX
Buffalo Gap, TX
Bula, TX
Bullard, TX
Bulverde, TX
Buna, TX
Burkburnett, TX
Burkett, TX
Burkeville, TX
Burleson, TX
Burlington, TX
Burnet, TX
Burton, TX
Bushland, TX
Byers, TX
Bynum, TX

- C -
Cactus, TX
Caddo, TX
Caddo Mills, TX
Caldwell, TX
Call, TX
Calliham, TX
Calvert, TX
Camden, TX
Cameron, TX
Camp Wood, TX
Campbell, TX
Campbellton, TX
Canadian, TX
Canton, TX
Canutillo, TX
Canyon, TX
Canyon Lake, TX
Carbon, TX
Carey, TX
Carlsbad, TX
Carlton, TX
Carmine, TX
Carrizo Springs, TX
Carrollton, TX
Carthage, TX
Cason, TX
Castell, TX
Castroville, TX
Cat Spring, TX
Catarina, TX
Cayuga, TX
Cedar Creek, TX
Cedar Hill, TX
Cedar Lane, TX
Cedar Park, TX
Cee Vee, TX
Celeste, TX
Celina, TX
Center, TX
Center Point, TX
Centerville, TX
Centralia, TX
Chalk, TX
Chandler, TX
Channelview, TX
Channing, TX
Chapman Ranch, TX
Chappell Hill, TX
Charlotte, TX
Chatfield, TX
Cherokee, TX
Chester, TX
Chico, TX
Chicota, TX
Childress, TX
Chillicothe, TX
Chilton, TX
China, TX
China Spring, TX
Chireno, TX
Chriesman, TX
Christine, TX
Christoval, TX
Cibolo, TX
Cisco, TX
Clarendon, TX
Clarksville, TX
Claude, TX
Clay, TX
Clayton, TX
Cleburne, TX
Cleveland, TX
Clifton, TX
Clint, TX
Clute, TX
Clyde, TX
Coahoma, TX
Coldspring, TX
Coleman, TX
College Station, TX
Collegeport, TX
Colleyville, TX
Collinsville, TX
Colmesneil, TX
Colorado City, TX
Columbus, TX
Comanche, TX
Combes, TX
Comfort, TX
Commerce, TX
Como, TX
Comstock, TX
Concan, TX
Concepcion, TX
Concord, TX
Conroe, TX
Converse, TX
Cookville, TX
Coolidge, TX
Cooper, TX
Copeville, TX
Coppell, TX
Copperas Cove, TX
Corinth, TX
Corpus Christi, TX
Corrigan, TX
Corsicana, TX
Cost, TX
Cotton Center, TX
Cotulla, TX
Coupland, TX
Covington, TX
Coyanosa, TX
Crandall, TX
Crane, TX
Cranfills Gap, TX
Crawford, TX
Cresson, TX
Crockett, TX
Crosby, TX
Crosbyton, TX
Cross Plains, TX
Crowell, TX
Crowley, TX
Crystal City, TX
Cuero, TX
Cumby, TX
Cuney, TX
Cunningham, TX
Cushing, TX
Cypress, TX

- D -
D Hanis, TX
Daingerfield, TX
Daisetta, TX
Dale, TX
Dalhart, TX
Dallardsville, TX
Dallas, TX
Damon, TX
Danbury, TX
Danciger, TX
Danevang, TX
Darrouzett, TX
Davilla, TX
Dawn, TX
Dawson, TX
Dayton, TX
De Berry, TX
De Kalb, TX
De Leon, TX
Deanville, TX
Decatur, TX
Deer Park, TX
Del Rio, TX
Del Valle, TX
Dell City, TX
Delmita, TX
Denison, TX
Dennis, TX
Denton, TX
Denver City, TX
Deport, TX
Desdemona, TX
Desoto, TX
Detroit, TX
Devers, TX
Devine, TX
Deweyville, TX
Diana, TX
Diboll, TX
Dickens, TX
Dickinson, TX
Dike, TX
Dilley, TX
Dime Box, TX
Dimmitt, TX
Dinero, TX
Dobbin, TX
Dodd City, TX
Dodge, TX
Dodson, TX
Donie, TX
Donna, TX
Doole, TX
Doss, TX
Doucette, TX
Dougherty, TX
Douglass, TX
Douglassville, TX
Driftwood, TX
Dripping Springs, TX
Driscoll, TX
Dryden, TX
Dublin, TX
Dumas, TX
Dumont, TX
Duncanville, TX
Dunn, TX
Dyess AFB, TX

- E -
Eagle Lake, TX
Eagle Pass, TX
Early, TX
Earth, TX
East Bernard, TX
Eastland, TX
Easton, TX
Ecleto, TX
Ector, TX
Edcouch, TX
Eddy, TX
Eden, TX
Edgewood, TX
Edinburg, TX
Edmonson, TX
Edna, TX
Edroy, TX
Egypt, TX
El Campo, TX
El Indio, TX
El Paso, TX
Eldorado, TX
Electra, TX
Elgin, TX
Elkhart, TX
Ellinger, TX
Elm Mott, TX
Elmaton, TX
Elmendorf, TX
Elmo, TX
Elsa, TX
Elysian Fields, TX
Emory, TX
Encinal, TX
Encino, TX
Energy, TX
Enloe, TX
Ennis, TX
Enochs, TX
Eola, TX
Era, TX
Estelline, TX
Etoile, TX
Euless, TX
Eustace, TX
Evadale, TX
Evant, TX

- F -
Fabens, TX
Fairfield, TX
Falcon Heights, TX
Falfurrias, TX
Falls City, TX
Fannin, TX
Farmersville, TX
Farnsworth, TX
Farwell, TX
Fate, TX
Fayetteville, TX
Fentress, TX
Ferris, TX
Fieldton, TX
Fischer, TX
Flat, TX
Flatonia, TX
Flint, TX
Flomot, TX
Florence, TX
Floresville, TX
Flower Mound, TX
Floydada, TX
Fluvanna, TX
Flynn, TX
Follett, TX
Forestburg, TX
Forney, TX
Forreston, TX
Forsan, TX
Fort Davis, TX
Fort Hancock, TX
Fort McKavett, TX
Fort Stockton, TX
Fort Worth, TX
Fowlerton, TX
Francitas, TX
Franklin, TX
Frankston, TX
Fred, TX
Fredericksburg, TX
Fredonia, TX
Freeport, TX
Freer, TX
Fresno, TX
Friendswood, TX
Friona, TX
Frisco, TX
Fritch, TX
Frost, TX
Fruitvale, TX
Fulshear, TX
Fulton, TX

- G -
Gail, TX
Gainesville, TX
Galena Park, TX
Gallatin, TX
Galveston, TX
Ganado, TX
Garciasville, TX
Garden City, TX
Gardendale, TX
Garland, TX
Garrison, TX
Garwood, TX
Gary, TX
Gatesville, TX
Gause, TX
Geneva, TX
George West, TX
Georgetown, TX
Geronimo, TX
Giddings, TX
Gilchrist, TX
Gillett, TX
Gilmer, TX
Girard, TX
Girvin, TX
Gladewater, TX
Glen Flora, TX
Glen Rose, TX
Glidden, TX
Gober, TX
Godley, TX
Golden, TX
Goldsboro, TX
Goldsmith, TX
Goldthwaite, TX
Goliad, TX
Gonzales, TX
Goodfellow AFB, TX
Goodrich, TX
Gordon, TX
Gordonville, TX
Goree, TX
Gorman, TX
Gouldbusk, TX
Graford, TX
Graham, TX
Granbury, TX
Grand Prairie, TX
Grand Saline, TX
Grandfalls, TX
Grandview, TX
Granger, TX
Grapeland, TX
Grapevine, TX
Greenville, TX
Greenwood, TX
Gregory, TX
Groesbeck, TX
Groom, TX
Groves, TX
Groveton, TX
Grulla, TX
Gruver, TX
Guerra, TX
Gun Barrel City, TX
Gunter, TX
Gustine, TX
Guthrie, TX
Guy, TX

- H -
Hale Center, TX
Hallettsville, TX
Hallsville, TX
Haltom City, TX
Hamilton, TX
Hamlin, TX
Hamshire, TX
Hankamer, TX
Happy, TX
Hardin, TX
Hargill, TX
Harker Heights, TX
Harleton, TX
Harlingen, TX
Harper, TX
Harrold, TX
Hart, TX
Hartley, TX
Harwood, TX
Haskell, TX
Haslet, TX
Hawkins, TX
Hawley, TX
Hearne, TX
Hebbronville, TX
Hedley, TX
Heidenheimer, TX
Helotes, TX
Hemphill, TX
Hempstead, TX
Henderson, TX
Henrietta, TX
Hereford, TX
Hermleigh, TX
Hewitt, TX
Hext, TX
Hico, TX
Hidalgo, TX
Higgins, TX
High Island, TX
Highlands, TX
Hillister, TX
Hillsboro, TX
Hitchcock, TX
Hobson, TX
Hochheim, TX
Hockley, TX
Holland, TX
Holliday, TX
Hondo, TX
Honey Grove, TX
Hooks, TX
Houston, TX
Howe, TX
Hubbard, TX
Huffman, TX
Hufsmith, TX
Hughes Springs, TX
Hull, TX
Humble, TX
Hungerford, TX
Hunt, TX
Huntington, TX
Huntsville, TX
Hurst, TX
Hutchins, TX
Hutto, TX
Hye, TX

- I -
Idalou, TX
Imperial, TX
Industry, TX
Inez, TX
Ingleside, TX
Ingram, TX
Iola, TX
Iowa Park, TX
Ira, TX
Iraan, TX
Iredell, TX
Irene, TX
Irving, TX
Italy, TX
Itasca, TX
Ivanhoe, TX

- J -
Jacksboro, TX
Jacksonville, TX
Jarrell, TX
Jasper, TX
Jayton, TX
Jefferson, TX
Jermyn, TX
Jewett, TX
Joaquin, TX
Johnson City, TX
Joinerville, TX
Jonesboro, TX
Jonesville, TX
Josephine, TX
Joshua, TX
Jourdanton, TX
Judson, TX
Junction, TX
Justiceburg, TX
Justin, TX

- K -
Kamay, TX
Karnack, TX
Karnes City, TX
Katy, TX
Kaufman, TX
Keene, TX
Keller, TX
Kemah, TX
Kemp, TX
Kempner, TX
Kendalia, TX
Kendleton, TX
Kenedy, TX
Kennard, TX
Kennedale, TX
Kenney, TX
Kerens, TX
Kermit, TX
Kerrville, TX
Kildare, TX
Kilgore, TX
Killeen, TX
Kingsbury, TX
Kingsland, TX
Kingsville, TX
Kirbyville, TX
Kirkland, TX
Kirvin, TX
Klondike, TX
Knickerbocker, TX
Knippa, TX
Knott, TX
Knox City, TX
Kopperl, TX
Kosse, TX
Kountze, TX
Kress, TX
Krum, TX
Kurten, TX
Kyle, TX

- L -
La Blanca, TX
La Coste, TX
La Feria, TX
La Grange, TX
La Joya, TX
La Marque, TX
La Porte, TX
La Pryor, TX
La Salle, TX
La Vernia, TX
La Victoria, TX
La Villa, TX
La Ward, TX
Ladonia, TX
Laguna Park, TX
Laird Hill, TX
Lake Creek, TX
Lake Dallas, TX
Lake Jackson, TX
Lakeview, TX
Lamesa, TX
Lampasas, TX
Lancaster, TX
Lane City, TX
Laneville, TX
Langtry, TX
Laredo, TX
Larue, TX
Lasara, TX
Latexo, TX
Laughlin A F B, TX
Lavon, TX
Lawn, TX
Lazbuddie, TX
League City, TX
Leakey, TX
Leander, TX
Ledbetter, TX
Leesburg, TX
Leesville, TX
Lefors, TX
Leggett, TX
Lelia Lake, TX
Leming, TX
Lenorah, TX
Leon Junction, TX
Leona, TX
Leonard, TX
Leroy, TX
Levelland, TX
Lewisville, TX
Lexington, TX
Liberty, TX
Liberty Hill, TX
Lillian, TX
Lincoln, TX
Lindale, TX
Linden, TX
Lindsay, TX
Lingleville, TX
Linn, TX
Lipan, TX
Lipscomb, TX
Lissie, TX
Little Elm, TX
Little River, TX
Littlefield, TX
Liverpool, TX
Livingston, TX
Llano, TX
Lockhart, TX
Lockney, TX
Lodi, TX
Lohn, TX
Lolita, TX
Lometa, TX
London, TX
Lone Oak, TX
Lone Star, TX
Long Branch, TX
Long Mott, TX
Longview, TX
Loop, TX
Lopeno, TX
Loraine, TX
Lorena, TX
Lorenzo, TX
Los Ebanos, TX
Los Fresnos, TX
Los Indios, TX
Lott, TX
Louise, TX
Lovelady, TX
Loving, TX
Lowake, TX
Lozano, TX
Lubbock, TX
Lueders, TX
Lufkin, TX
Luling, TX
Lumberton, TX
Lyford, TX
Lyons, TX
Lytle, TX

- M -
Mabank, TX
Macdona, TX
Madisonville, TX
Magnolia, TX
Malakoff, TX
Malone, TX
Manchaca, TX
Manor, TX
Mansfield, TX
Manvel, TX
Maple, TX
Marathon, TX
Marble Falls, TX
Marfa, TX
Marietta, TX
Marion, TX
Markham, TX
Marlin, TX
Marquez, TX
Marshall, TX
Mart, TX
Martindale, TX
Martinsville, TX
Maryneal, TX
Mason, TX
Masterson, TX
Matador, TX
Matagorda, TX
Mathis, TX
Maud, TX
Mauriceville, TX
Maxwell, TX
May, TX
Maydelle, TX
Maypearl, TX
Maysfield, TX
Mcadoo, TX
McAllen, TX
McCamey, TX
McCaulley, TX
McCoy, TX
McDade, TX
Mcfaddin, TX
McGregor, TX
McKinney, TX
Mclean, TX
McLeod, TX
McNeil, TX
McQueeney, TX
Meadow, TX
Medina, TX
Megargel, TX
Melissa, TX
Melvin, TX
Memphis, TX
Menard, TX
Mentone, TX
Mercedes, TX
Mereta, TX
Meridian, TX
Merit, TX
Merkel, TX
Mertens, TX
Mertzon, TX
Mesquite, TX
Mexia, TX
Meyersville, TX
Miami, TX
Mico, TX
Midfield, TX
Midkiff, TX
Midland, TX
Midlothian, TX
Midway, TX
Milam, TX
Milano, TX
Miles, TX
Milford, TX
Millersview, TX
Millican, TX
Millsap, TX
Minden, TX
Mineola, TX
Mineral, TX
Mineral Wells, TX
Mingus, TX
Mirando City, TX
Mission, TX
Missouri City, TX
Mobeetie, TX
Monahans, TX
Mont Belvieu, TX
Montague, TX
Montalba, TX
Montgomery, TX
Moody, TX
Moore, TX
Moran, TX
Morgan, TX
Morgan Mill, TX
Morse, TX
Morton, TX
Moscow, TX
Moulton, TX
Mound, TX
Mount Calm, TX
Mount Enterprise, TX
Mount Pleasant, TX
Mount Vernon, TX
Mountain Home, TX
Muenster, TX
Muldoon, TX
Muleshoe, TX
Mullin, TX
Mumford, TX
Munday, TX
Murchison, TX
Myra, TX

- N -
Nacogdoches, TX
Nada, TX
Naples, TX
Nash, TX
Natalia, TX
Naval Air Station/ Jrb, TX
Navasota, TX
Nazareth, TX
Neches, TX
Nederland, TX
Needville, TX
Nemo, TX
Nevada, TX
New Baden, TX
New Boston, TX
New Braunfels, TX
New Caney, TX
New Deal, TX
New Home, TX
New London, TX
New Summerfield, TX
New Ulm, TX
New Waverly, TX
Newark, TX
Newcastle, TX
Newgulf, TX
Newton, TX
Nixon, TX
Nocona, TX
Nolan, TX
Nolanville, TX
Nome, TX
Nordheim, TX
Normangee, TX
Normanna, TX
North Houston, TX
North Richland Hills, TX
North Zulch, TX
Norton, TX
Notrees, TX
Novice, TX
Nursery, TX

- O -
O Brien, TX
Oakhurst, TX
Oakland, TX
Oakville, TX
Oakwood, TX
Odell, TX
Odem, TX
Odessa, TX
Odonnell, TX
Oglesby, TX
Oilton, TX
Oklaunion, TX
Old Glory, TX
Old Ocean, TX
Olden, TX
Olmito, TX
Olney, TX
Olton, TX
Omaha, TX
Onalaska, TX
Orange, TX
Orange Grove, TX
Orangefield, TX
Orchard, TX
Ore City, TX
Orla, TX
Ottine, TX
Otto, TX
Ovalo, TX
Overton, TX
Ozona, TX

- P -
Paducah, TX
Paige, TX
Paint Rock, TX
Palacios, TX
Palestine, TX
Palmer, TX
Palo Pinto, TX
Paluxy, TX
Pampa, TX
Pandora, TX
Panhandle, TX
Panna Maria, TX
Panola, TX
Paradise, TX
Paris, TX
Pasadena, TX
Pattison, TX
Pattonville, TX
Pawnee, TX
Pear Valley, TX
Pearland, TX
Pearsall, TX
Peaster, TX
Pecan Gap, TX
Pecos, TX
Peggy, TX
Pendleton, TX
Penelope, TX
Penitas, TX
Pennington, TX
Penwell, TX
Pep, TX
Perrin, TX
Perry, TX
Perryton, TX
Petersburg, TX
Petrolia, TX
Pettus, TX
Petty, TX
Pflugerville, TX
Pharr, TX
Pickton, TX
Pierce, TX
Pilot Point, TX
Pinehurst, TX
Pineland, TX
Pipe Creek, TX
Pittsburg, TX
Placedo, TX
Plains, TX
Plainview, TX
Plano, TX
Plantersville, TX
Pleasanton, TX
Pledger, TX
Plum, TX
Point, TX
Point Comfort, TX
Pointblank, TX
Pollok, TX
Ponder, TX
Pontotoc, TX
Poolville, TX
Port Aransas, TX
Port Arthur, TX
Port Bolivar, TX
Port Isabel, TX
Port Lavaca, TX
Port Mansfield, TX
Port Neches, TX
Port O Connor, TX
Porter, TX
Portland, TX
Post, TX
Poteet, TX
Poth, TX
Pottsboro, TX
Pottsville, TX
Powderly, TX
Powell, TX
Poynor, TX
Prairie Hill, TX
Prairie Lea, TX
Prairie View, TX
Premont, TX
Presidio, TX
Price, TX
Priddy, TX
Princeton, TX
Proctor, TX
Progreso, TX
Prosper, TX
Purdon, TX
Purmela, TX
Putnam, TX
Pyote, TX

- Q -
Quail, TX
Quanah, TX
Queen City, TX
Quemado, TX
Quinlan, TX
Quitaque, TX
Quitman, TX

- R -
Rainbow, TX
Ralls, TX
Rancho Alegre, TX
Randolph, TX
Ranger, TX
Rankin, TX
Ransom Canyon, TX
Ratcliff, TX
Ravenna, TX
Raymondville, TX
Raywood, TX
Reagan, TX
Realitos, TX
Red Oak, TX
Red Rock, TX
Redford, TX
Redwater, TX
Refugio, TX
Reklaw, TX
Rhome, TX
Rice, TX
Richards, TX
Richardson, TX
Richland, TX
Richland Springs, TX
Richmond, TX
Riesel, TX
Ringgold, TX
Rio Frio, TX
Rio Grande City, TX
Rio Hondo, TX
Rio Medina, TX
Rio Vista, TX
Rising Star, TX
Riverside, TX
Riviera, TX
Roanoke, TX
Roans Prairie, TX
Roaring Springs, TX
Robert Lee, TX
Robstown, TX
Roby, TX
Rochelle, TX
Rochester, TX
Rock Island, TX
Rockdale, TX
Rockport, TX
Rocksprings, TX
Rockwall, TX
Rockwood, TX
Rogers, TX
Roma, TX
Romayor, TX
Roosevelt, TX
Ropesville, TX
Rosanky, TX
Roscoe, TX
Rosebud, TX
Rosenberg, TX
Rosharon, TX
Ross, TX
Rosser, TX
Rosston, TX
Rotan, TX
Round Mountain, TX
Round Rock, TX
Round Top, TX
Rowena, TX
Rowlett, TX
Roxton, TX
Royalty, TX
Royse City, TX
Rule, TX
Runge, TX
Rusk, TX
Rye, TX

- S -
Sabinal, TX
Sabine Pass, TX
Sacul, TX
Sadler, TX
Saint Hedwig, TX
Saint Jo, TX
Salado, TX
Salineno, TX
Salt Flat, TX
Saltillo, TX
Samnorwood, TX
San Angelo, TX
San Antonio, TX
San Augustine, TX
San Benito, TX
San Diego, TX
San Elizario, TX
San Felipe, TX
San Isidro, TX
San Juan, TX
San Leon, TX
San Marcos, TX
San Perlita, TX
San Saba, TX
San Ygnacio, TX
Sanderson, TX
Sandia, TX
Sandy, TX
Sanford, TX
Sanger, TX
Santa Anna, TX
Santa Elena, TX
Santa Fe, TX
Santa Maria, TX
Santa Rosa, TX
Santo, TX
Saragosa, TX
Saratoga, TX
Sarita, TX
Satin, TX
Savoy, TX
Schertz, TX
Schulenburg, TX
Schwertner, TX
Scotland, TX
Scottsville, TX
Scroggins, TX
Scurry, TX
Seabrook, TX
Seadrift, TX
Seagoville, TX
Seagraves, TX
Sealy, TX
Sebastian, TX
Seguin, TX
Selman City, TX
Seminole, TX
Seymour, TX
Shafter, TX
Shallowater, TX
Shamrock, TX
Sheffield, TX
Shelbyville, TX
Shepherd, TX
Sheppard AFB, TX
Sheridan, TX
Sherman, TX
Shiner, TX
Shiro, TX
Sidney, TX
Sienna Plantation, TX
Sierra Blanca, TX
Silsbee, TX
Silver, TX
Silverton, TX
Simms, TX
Simonton, TX
Sinton, TX
Skellytown, TX
Skidmore, TX
Slaton, TX
Slidell, TX
Smiley, TX
Smithville, TX
Smyer, TX
Snook, TX
Snyder, TX
Somerset, TX
Somerville, TX
Sonora, TX
Sour Lake, TX
South Bend, TX
South Houston, TX
South Padre Island, TX
South Plains, TX
Southlake, TX
Southmayd, TX
Spade, TX
Speaks, TX
Spearman, TX
Spicewood, TX
Splendora, TX
Spring, TX
Spring Branch, TX
Springlake, TX
Springtown, TX
Spur, TX
Spurger, TX
Stafford, TX
Stamford, TX
Stanton, TX
Staples, TX
Star, TX
Stephenville, TX
Sterling City, TX
Stinnett, TX
Stockdale, TX
Stonewall, TX
Stowell, TX
Stratford, TX
Strawn, TX
Streetman, TX
Sublime, TX
Sudan, TX
Sugar Land, TX
Sullivan City, TX
Sulphur Bluff, TX
Sulphur Springs, TX
Summerfield, TX
Sumner, TX
Sundown, TX
Sunnyvale, TX
Sunray, TX
Sunset, TX
Sutherland Springs, TX
Sweeny, TX
Sweet Home, TX
Sweetwater, TX
Sylvester, TX

- T -
Taft, TX
Tahoka, TX
Talco, TX
Talpa, TX
Tarpley, TX
Tarzan, TX
Tatum, TX
Taylor, TX
Teague, TX
Tehuacana, TX
Telegraph, TX
Telephone, TX
Telferner, TX
Tell, TX
Temple, TX
Tenaha, TX
Tennessee Colony, TX
Tennyson, TX
Terlingua, TX
Terrell, TX
Texarkana, TX
Texas City, TX
Texline, TX
The Colony, TX
Thicket, TX
Thomaston, TX
Thompsons, TX
Thorndale, TX
Thornton, TX
Thrall, TX
Three Rivers, TX
Throckmorton, TX
Tilden, TX
Timpson, TX
Tioga, TX
Tivoli, TX
Tokio, TX
Tolar, TX
Tom Bean, TX
Tomball, TX
Tornillo, TX
Tow, TX
Toyah, TX
Toyahvale, TX
Trent, TX
Trenton, TX
Trinidad, TX
Trinity, TX
Troup, TX
Troy, TX
Tuleta, TX
Tulia, TX
Turkey, TX
Tuscola, TX
Tye, TX
Tyler, TX
Tynan, TX

- U -
Umbarger, TX
Universal City, TX
Utopia, TX
Uvalde, TX

- V -
Valentine, TX
Valera, TX
Valley Mills, TX
Valley Spring, TX
Valley View, TX
Van, TX
Van Alstyne, TX
Van Horn, TX
Van Vleck, TX
Vancourt, TX
Vanderbilt, TX
Vanderpool, TX
Vega, TX
Venus, TX
Veribest, TX
Vernon, TX
Victoria, TX
Vidor, TX
Village Mills, TX
Voca, TX
Von Ormy, TX
Voss, TX
Votaw, TX
Voth, TX

- W -
Waco, TX
Wadsworth, TX
Waelder, TX
Waka, TX
Walburg, TX
Wall, TX
Waller, TX
Wallis, TX
Wallisville, TX
Walnut Springs, TX
Warda, TX
Waring, TX
Warren, TX
Washington, TX
Waskom, TX
Water Valley, TX
Waxahachie, TX
Wayside, TX
Weatherford, TX
Webster, TX
Weesatche, TX
Weimar, TX
Weinert, TX
Weir, TX
Welch, TX
Wellborn, TX
Wellington, TX
Wellman, TX
Wells, TX
Weslaco, TX
West, TX
West Columbia, TX
West Point, TX
Westbrook, TX
Westhoff, TX
Westminster, TX
Weston, TX
Wharton, TX
Wheeler, TX
Wheelock, TX
White Deer, TX
White Oak, TX
Whiteface, TX
Whitehouse, TX
Whitesboro, TX
Whitewright, TX
Whitharral, TX
Whitney, TX
Whitsett, TX
Whitt, TX
Wichita Falls, TX
Wickett, TX
Wiergate, TX
Wildorado, TX
Willis, TX
Willow City, TX
Wills Point, TX
Wilmer, TX
Wilson, TX
Wimberley, TX
Windom, TX
Windthorst, TX
Winfield, TX
Wingate, TX
Wink, TX
Winnie, TX
Winnsboro, TX
Winona, TX
Winters, TX
Woden, TX
Wolfe City, TX
Wolfforth, TX
Woodlake, TX
Woodlawn, TX
Woodsboro, TX
Woodson, TX
Woodville, TX
Woodway, TX
Wortham, TX
Wrightsboro, TX
Wylie, TX

- Y -
Yancey, TX
Yantis, TX
Yoakum, TX
Yorktown, TX

- Z -
Zapata, TX
Zavalla, TX
Zephyr, TX

& Many More...

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