Home and auto insurance (bundled) covers your two biggest assets in one policy.

Bundling home and auto insurance means purchasing both policies from the same insurance company. Many insurers offer a discount when you do, and managing your coverage can be easier when everything is with one carrier.

Bundling home and auto insurance can save you anywhere from 5% to 15% or more on your premiums through a multi-policy discount. Savings vary by insurer and policy, so it’s a good idea to compare bundled and individual rates to see how much you could save.

Not always. While bundling often lowers your overall premium, it isn’t always the least expensive option. Some insurers may require you to carry certain policies to qualify for the bundled rate, which could mean paying for more coverage than you need. Comparing bundled and individual quotes can help you find the best value for your situation.

Yes. If you have renters insurance, you may be able to bundle that policy with your auto insurance and still qualify for a multi-policy discount, just like a homeowner could.

A standard home insurance policy covers your home’s structure, personal belongings, personal liability, and additional living expenses if a covered loss displaces you. The specific risks covered depend on your policy type and the coverages you select.

Home insurance is not required by law, but most mortgage lenders require you to carry a policy as a condition of your loan to protect their financial interest in the property. Homeowners who own their property outright are not legally obligated to carry coverage, though it is strongly recommended.

Your coverage amount is based on the estimated replacement cost of your home, what it would cost to rebuild it from the ground up at current labor and material prices, not its market value or purchase price. An insurance agent can help you calculate the right coverage amount based on your home’s size, construction type, and features.

A standard home insurance policy does not cover flood damage and must be purchased as a separate policy through the National Flood Insurance Program (NFIP) or a private insurer. If your home is in a designated flood zone, your mortgage lender may require you to carry flood insurance.

An independent insurance agency works with multiple insurance carriers rather than representing just one brand. This allows them to shop around, compare policies, and find customized coverage at competitive rates tailored to your budget, whereas direct agents can only sell their single company’s proprietary products.

• We work for you, not the insurance company: If one carrier raises rates across DFW, we can re-shop your policy without you having to change agencies.

• One-stop shop: Get your home, auto, business, and classic car covered under one local roof.

• Local expertise: We know Keller, Roanoke, and Southlake weather, road conditions, and property values inside and out.

A personal umbrella policy provides additional liability protection that kicks in when your underlying home or auto insurance limits are exhausted. If you own assets, have a swimming pool, or commute on high-traffic roads like I-35W, an umbrella policy protects your savings from catastrophic lawsuits.

• Extra protection for cheap: An umbrella policy usually gives you $1,000,000+ in extra coverage for just $15 to $25 a month.

• Protects your future wages: In major DFW accidents, medical bills can quickly exceed standard auto insurance limits.

• Covers “attractive nuisances”: Essential peace of mind if you have a backyard pool, trampoline, or teenager driving on Highway 377.

Standard Texas homeowners insurance policies do not cover damage caused by natural flooding, rising surface water, or heavy flash floods. Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or private insurance providers to cover your dwelling’s structure and personal property against water damage.

• DFW Flash Floods: Summer downpours can overwhelm local storm drains quickly, even if you aren’t in a designated “high-risk” flood zone.

• 30-Day Waiting Period: Most flood policies take 30 days to go into effect, so you cannot buy it right as a major rainstorm rolls in.

• Inexpensive coverage: If you live in a low-to-moderate risk area in Keller, flood insurance is surprisingly affordable.

Liability-only coverage pays for damage and injuries you cause to others but does not cover your own vehicle. Full coverage adds comprehensive and collision coverage to your policy, which pays for damage to your own vehicle from accidents, theft, and other covered losses.

After an accident, you file a claim with your insurance company. They assign an adjuster to assess the damage and determine what your policy covers. Depending on who is at fault and what coverage you carry, your insurer will pay for repairs, medical bills, or other covered losses up to your policy limits, minus your deductible.

A standard auto policy typically includes several coverages:

• Property Damage Liability and Bodily Injury for harm you cause to others.
• Collision and Comprehensive Coverage protects your own vehicle.
  Uninsured/Underinsured Motorist Coverage protects you when the at-fault driver doesn’t have adequate insurance.

Insurance companies use your driving record to assess how likely you are to file a claim. Accidents and violations signal higher risk and result in higher premiums, while a clean record typically qualifies you for lower rates and may make you eligible for safe-driver discounts.

In Texas, hail damage to your vehicle is covered strictly by the comprehensive coverage portion of your auto insurance policy. State-minimum liability insurance does not cover hail damage. If you do not carry comprehensive coverage, you are responsible for paying all hail-related repair costs out of pocket.

Here is what you need to check on your auto policy right now:

• Verify your comprehensive deductible: Is it $500 or $1,000? Make sure it’s an amount you have in the bank if a storm hits.

• Check for glass coverage: Some carriers have separate, lower deductibles specifically for shattered windshields.

• Don’t drop it to save a few bucks: The $10 a month you save by dropping comprehensive won’t help when you need a $3,500 dent repair.

A wind and hail deductible on a Texas homeowner’s policy is typically a percentage of your home’s total insured dwelling value, usually between 1% and 2%, rather than a flat dollar amount. For a home insured for $500,000 with a 1% deductible, your out-of-pocket cost is $5,000.

Many homeowners in DFW get blindsided by this. Keep these tips in mind:

• Read your declarations page: Check if your wind/hail deductible is separated from your standard “All Other Perils” (AOP) deductible.

• Do the math: As home values rise in Keller, your 1% deductible gets more expensive. Ensure you have that cash set aside.