Many states require contractors to carry some form of insurance along with their license. Insist that whomever you hire has the proper amount of insurance for the work you need done and call the insurer to check the policy. See that whom you hire for the job has liability and workers' compensation insurance so you don't pay for injuries or accidents caused by the company's work.

Around 85% of Texas residents must choose an electricity provider. Utility companies transmit and distribute electricity to customers. But that electricity doesn’t come from a utility—it comes from companies known as Retail Electric Providers. These providers offer competitive plans based on electricity pricing, term length, renewable sourcing and more.

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