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.