Home Insurance

Texas home insurance averages about $4,085 a year, well above the national average of roughly $2,543, and North Texas runs higher still because of estate-level rebuild costs and frequent hail. Your actual rate depends on your roof age, home value, and claims history. See our pricing page for full ranges, then we shop 20+ A-rated carriers to beat the average.

Yes. Hail and windstorm damage are covered under a standard homeowners policy, but the payout hinges on your roof's age and whether the policy pays replacement cost or actual cash value on the roof. In hail-prone North Texas, we structure your roof coverage and deductible so a claim actually rebuilds your roof, not just a fraction of it.

Possibly. Standard homeowners policies never cover flood, and many North Texas neighborhoods sit near creeks and drainage corridors. We check FEMA's flood map for your specific address and recommend NFIP or private flood coverage where the risk warrants it.

Market value is what your home would sell for. Replacement cost is what it would cost to rebuild it from scratch, which is often significantly higher on custom North Texas homes. We insure to replacement cost so you're not left short after a total loss.

After any major renovation, after home values shift significantly, or after acquiring high-value items. We include an annual review as part of your Blueprint so your coverage keeps pace with rising rebuild costs and your assets.

A standard policy has four main parts: dwelling (the structure), other structures (detached garage, fence, barn), personal property (your belongings), and personal liability (if someone is hurt or you damage others' property). It also pays loss of use, your extra living costs if the home is uninhabitable after a covered claim. The gaps we see most are dwelling limits set below true rebuild cost and liability limits set too low for the homeowner's net worth.

Insure the dwelling to its full rebuild cost, what it would take to reconstruct today, not its market value or purchase price. Carry personal liability high enough to protect your assets, often $300,000 to $500,000 with an umbrella above that for higher net worth, and set personal property to cover what you actually own, scheduling high-value items like jewelry separately. We build the number from your home's specifics rather than a generic calculator.

Yes. Fire, including wildfire, is a standard covered peril on a Texas homeowners policy. The practical issues are making sure your dwelling limit reflects full rebuild cost and that your coverage hasn't lapsed, since carriers sometimes pause new business in an area during an active fire. Defensible space and fire-resistant materials can also help with insurability and rates.