Wayne Lilly Insurance

Wayne Lilly Insurance Home • Auto • Life • Business Insurance

Insurance doesn’t have to be confusing. Proudly serving Greater Houston for nearly 14 years.

I take the time to answer your questions, explain your coverage, and be there when you need help. Providing Insurance Solutions for:

Home
Auto
Commercial Property
General Liability
Small Bus. Package
Workers' Compensation
RV
Motorcycle
Watercraft

Condo
Renters
Mobile Home
Vacant Dwelling
Tenant Dwelling
Flood
Personal Umbrella

Farm and Ranch
Bonds
Inland Marine
Commercial Auto
Commercial Umbrella

Flooding isn’t just a hurricane problem.Heavy rain, rising water, overwhelmed drainage systems, and other events can cau...
08/27/2026

Flooding isn’t just a hurricane problem.

Heavy rain, rising water, overwhelmed drainage systems, and other events can cause significant damage—and one of the biggest misconceptions I see is assuming a homeowners policy automatically covers it. In most cases, standard homeowners insurance does not cover flooding.

That’s why flood coverage is worth discussing even if your home isn’t considered high risk. The goal isn’t to buy coverage you don’t need—it’s to understand your actual exposure and make an informed decision.

Not sure what your policy covers? Send it my way. I’m always happy to review it, explain the details in plain English, and answer your questions.

No pressure. Just helpful answers.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Umbrella insurance is one of those coverages many people have heard of—but don’t always understand.Your home and auto po...
08/24/2026

Umbrella insurance is one of those coverages many people have heard of—but don’t always understand.

Your home and auto policies include liability protection, but those policies have limits. If you’re responsible for a serious accident or injury and the resulting claim exceeds those limits, the financial exposure doesn’t necessarily stop there.

That’s where an umbrella policy can come in. It provides an additional layer of liability protection above certain underlying policies and can help protect assets you’ve worked hard to build.

And liability risk isn’t limited to something happening inside your home. A serious auto accident, an injury on your property, or other covered situations can potentially create significant financial exposure.

The important question isn’t simply, “Do I have insurance?” It’s “Do I have enough liability protection for what I have to protect?”

If you’re unsure, I’m always happy to review your current coverage, explain how the pieces work together, and answer your questions in plain English.

No pressure. Just helpful answers.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Your insurance shouldn’t be something you buy once and never look at again.Over time, things change. You may renovate yo...
08/23/2026

Your insurance shouldn’t be something you buy once and never look at again.

Over time, things change. You may renovate your home, purchase a vehicle, add valuable property, change jobs, start a business, or simply see the cost of rebuilding your home increase.

An annual insurance review gives you a chance to make sure your coverage has kept up.

It’s also a good opportunity to look for potential gaps, review deductibles and liability limits, check available discounts, and make sure you’re not paying for coverage that no longer makes sense.

And remember—the lowest premium isn’t always the best value. The goal is appropriate coverage for what you actually need to protect.

After 14 years as an independent insurance agent, I’m always happy to take the time to review your policies, answer questions, and explain your options in plain English.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Thinking about renting out your home—whether for a few weekends, several months, or long-term?Before you hand over the k...
08/22/2026

Thinking about renting out your home—whether for a few weekends, several months, or long-term?

Before you hand over the keys, take a look at your insurance.

A standard homeowners policy is designed for a home you occupy. Once that property is being rented to someone else, the risk changes—and your existing policy may have limitations or exclusions that matter.

Depending on the situation, you may need different coverage to address the dwelling itself, liability if someone is injured on the property, loss of rental income after a covered claim, and other risks associated with having tenants.

And short-term rentals can be different from traditional long-term rentals, so don’t assume one solution fits every situation.

The important part is simple: tell your insurance agent how the property will actually be used. That allows your coverage to be structured around the real risk instead of finding out about a gap after a claim.

Have questions about a property you’re considering renting? I’m happy to review what you have, explain the options, and help you determine what makes sense.

Wayne Lilly Insurance
Independent Insurance Agent
Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Auto theft can happen anywhere—even close to home. A few simple habits can make your vehicle a less attractive target.Al...
08/19/2026

Auto theft can happen anywhere—even close to home. A few simple habits can make your vehicle a less attractive target.

Always lock your doors, remove valuables from sight, avoid leaving keys or key fobs inside the vehicle, and park in a garage or well-lit area when possible. Anti-theft devices and vehicle tracking systems can add another layer of protection.

There’s also an insurance piece that’s worth understanding: theft is generally associated with comprehensive coverage—not liability or collision coverage. And even with comprehensive coverage, your deductible and policy terms matter.

Take a few minutes to look at your auto policy and make sure you know what protection you actually have. If you’re not sure what you’re looking at, send it my way. I’ll take the time to explain it and answer your questions.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Home improvements can change more than the way your home looks—they can also change your insurance needs.Adding a pool, ...
08/17/2026

Home improvements can change more than the way your home looks—they can also change your insurance needs.

Adding a pool, outdoor kitchen, room addition, new roof, or other significant upgrade may affect your home’s replacement cost and can introduce new property or liability considerations. Your insurance company won’t necessarily know you made those changes unless you tell them.

One common mistake is assuming that because you’ve increased your home’s market value, your insurance automatically keeps pace. Market value and the cost to rebuild your home are two different things. Your policy should be reviewed based on what it could actually cost to repair or rebuild the property with today’s materials and labor.

A pool is a good example. Beyond the investment itself, it can change your liability exposure and may involve additional structures or equipment that should be considered when reviewing coverage.

If you’ve made substantial improvements—or you’re planning them—it’s worth having a conversation with your insurance agent before the project is finished.

I’m always happy to review your current coverage, explain what may need to change, and answer your questions.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Your home’s market value and its rebuild cost are two very different numbers—and that distinction matters when it comes ...
08/14/2026

Your home’s market value and its rebuild cost are two very different numbers—and that distinction matters when it comes to homeowners insurance.

Rebuild cost is an estimate of what it would cost to reconstruct your home after a covered total loss using today’s materials and labor. It can include things such as demolition and debris removal, contractor costs, current building codes, and the materials needed to recreate the home.

And those costs change. Labor gets more expensive. Material prices fluctuate. Building codes evolve. Improvements and additions to your home can also increase what it would take to rebuild.

That’s why the dwelling coverage on your policy deserves a regular review. Being insured for what you paid for the house—or what you could sell it for—isn’t necessarily the same as being adequately insured to rebuild it.

The goal isn’t simply a higher coverage number. It’s making sure the number makes sense for your home and today’s rebuilding costs.

If you’re unsure how your dwelling coverage was calculated, I’m happy to walk through it with you and explain what you’re looking at—whether I’m currently your agent or not.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Uninsured drivers are more common than many people realize—and unfortunately, being a responsible driver doesn’t guarant...
08/13/2026

Uninsured drivers are more common than many people realize—and unfortunately, being a responsible driver doesn’t guarantee the person who hits you has adequate insurance.

That’s where Uninsured/Underinsured Motorist (UM/UIM) coverage can become important. Depending on the coverage you carry, it can help protect you and your passengers when the at-fault driver has no insurance or not enough insurance to cover the loss.

In Texas, UM/UIM coverage is something you should make an informed decision about—not simply assume is included or understand only after an accident.

Take a few minutes to look at your auto policy. Do you know whether you have UM/UIM coverage and what your limits are?

If you’re not sure, I’m happy to help you understand it. Whether I’m your agent or not, questions are always welcome.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

A new week is a good time to ask a simple question: Is your insurance still doing what you need it to do?Policies should...
08/10/2026

A new week is a good time to ask a simple question: Is your insurance still doing what you need it to do?

Policies shouldn’t just be compared by price. Deductibles, liability limits, replacement cost, endorsements, exclusions, and other details can make two quotes that look similar very different when it’s time to file a claim.

That’s why I believe in comparing apples to apples and looking for both coverage gaps and places you may be paying for something you don’t need.

After 14 years as an independent insurance agent, my job isn’t simply to hand you a quote. I’ll take the time to explain the options, answer your questions, and help you understand what you’re actually buying.

If you haven’t reviewed your insurance recently, send it my way. I’m happy to take a look and have a conversation—whether I’m currently your agent or not.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Water damage is one of the most common reasons homeowners file insurance claims—but where the water came from and what c...
08/07/2026

Water damage is one of the most common reasons homeowners file insurance claims—but where the water came from and what caused the damage can make a major difference in whether a loss is covered.

A sudden burst pipe or appliance leak may be covered under a homeowners policy, while flooding from rising surface water typically requires a separate flood policy. Sewer or drain backup may require an additional endorsement, and long-term leaks or gradual damage are often excluded.

The important takeaway: “water damage” isn’t one single type of claim. Two homes can have similar-looking damage but very different coverage outcomes based on the cause.

Take a few minutes to understand your policy before you’re standing in a wet kitchen wondering what happens next.

Have questions about your coverage? I’m always happy to take a look or answer questions—whether I’m your agent or not.

Wayne Lilly Insurance
Independent Insurance Agent | Member of the F&M Insurance Group
281-989-8236
[email protected]
WayneLillyInsurance.com

Address

Houston, TX

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12819898236

Website

Alerts

Be the first to know and let us send you an email when Wayne Lilly Insurance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category