North Texas Hail and Your Home Insurance: A Guide for Frisco, Collin and Denton County Homeowners
How hail claims work in Collin and Denton counties, what your deductible really costs, and what to do in the first 48 hours.
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Texas insurance, explained in plain English.
Guides to the questions North Texas families and business owners actually ask: auto liability limits, hail and wind deductibles, roof claims, flash flooding, rentals, life insurance and small-business coverage. From an independent agency in Frisco.
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What You'll Find Here
This blog will cover Texas insurance the way we explain it across the desk: auto guides on liability limits, PIP and uninsured motorist coverage; home guides on hail and wind deductibles, roof claims and freeze damage; flood insurance and the NFIP waiting period; renters, condo and landlord coverage; life insurance for families; small-business coverage; and motorcycle, RV and boat insurance. Every guide is written for North Texas households by 33° North Insurance Group, an independent agency in Frisco, and reviewed by Robert Hutchings. When you're ready for real numbers, call (972) 987-0650 and we'll compare several of the companies we represent.
- Focus
- Texas rules and North Texas risks
- Based in
- Frisco, Texas
- Written by
- 33° North Insurance Group, an independent agency
- Free quotes
- (972) 987-0650
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Home insurance. Hail, wind and North Texas roofs.
Hail and wind deductibles, roof age and settlement, freeze damage and the coverage gaps North Texas homeowners find out about too late.
Texas Homeowners Insurance Guide: Coverage, Costs and Quotes
What a Texas homeowners policy covers, what it leaves out, and how to set limits at rebuild cost.
Texas FAIR Plan: Who Qualifies, What It Covers and When to Use It
Who qualifies for the Texas FAIR Plan, what it covers, and why we shop the regular market first.
Wind and Hail Deductibles in Texas: How Percentage Deductibles Work (With Examples)
Percentage wind and hail deductibles, with worked examples so the number isn't a surprise after a storm.
How to File a Roof Insurance Claim in Texas After a Hailstorm
Step by step: documenting hail damage, the adjuster visit and what to ask before you sign anything.
Cheap Home Insurance in Texas: How to Lower Your Premium Without Underinsuring
Ways to bring a Texas home premium down without leaving your house underinsured.
Does Home Insurance Cover Burst Pipes? What the 2021 Texas Freeze Taught Homeowners
Which freeze and burst-pipe losses are covered, and the steps that protect your claim.
Does Homeowners Insurance Cover Foundation Repair in Texas?
Why foundation movement is usually excluded, and the related damage a policy may still cover.
Will Insurance Pay for a New Roof? Roof Age, Actual Cash Value and Replacement Cost in Texas
Roof age, actual cash value and replacement cost: what your policy will pay toward a new roof.
How Much Is Homeowners Insurance in Texas? What Drives Your Premium
What drives a Texas homeowners premium, and the numbers to compare when you shop.
First-Time Homebuyer Insurance Checklist in Texas: Binder, Escrow and Closing Day
The binder, escrow and closing-day checklist for a first home in Texas.
Insuring a New-Construction Home in Frisco and Collin County
Coverage questions for a brand-new build in Frisco and fast-growing Collin County.
Home Insurance in Frisco, TX: Hail, New Builds and What to Compare
Hail history, new builds and the coverage choices that matter for Frisco homeowners.
Home Insurance in Plano, TX: Hail History and Coverage Questions
What Plano homeowners should check after the 2016 hailstorms and before the next one.
Home Insurance in McKinney, TX: Coverage for a Fast-Growing City
Coverage questions for a fast-growing city: new construction, roofs and rebuild costs.
Spring Storm Season Checklist for Frisco Homeowners: Photos, Policy Review and Deductible Check
Photos, policy review and a deductible check to finish before spring hail season.
Auto insurance. Well above the state minimum.
Texas requires liability coverage and is an at-fault state, and we start every auto quote at 50/100/50, well above the state minimum. PIP and uninsured motorist coverage are included unless you reject them in writing. These guides explain what that means for your household.
Texas Car Insurance Guide: Requirements, Costs and How to Get Quotes
What a Texas auto policy covers, what moves the price, and how to choose limits above the state minimum.
What Car Insurance Is Required in Texas? Liability, PIP and Uninsured Motorist Explained
Texas liability requirements explained, plus PIP and uninsured motorist coverage and how proof of insurance is checked.
Cheap Car Insurance in Texas: How to Lower Your Premium Without Dangerous Coverage Gaps
Practical ways to lower a Texas car insurance premium without dangerous coverage gaps.
Car Insurance Quotes in Texas: What Information You Need and How to Compare Them
What to have ready for a quote and how to compare quotes at the same limits.
How Much Is Car Insurance in Texas? What Changes Your Price
What Texas drivers pay and the factors that move your price up or down.
Moving to Texas: How to Switch Car Insurance, Registration and Your License
New to Texas? Registration, license and insurance deadlines in the right order.
Liability-Only vs. Full Coverage Car Insurance in Texas: What Each Includes
What liability-only and full coverage include, and when each one makes sense.
Does Car Insurance Cover Hail Damage? Comprehensive Claims in DFW
How comprehensive coverage handles hail damage to your car in DFW.
Car Insurance in Frisco, TX: Coverage, Costs and Local Quote Questions
Local quote questions for Frisco drivers, from commutes on the Tollway to teen drivers.
Car Insurance in Plano, TX: What Plano Drivers Should Compare
What Plano drivers should compare when shopping car insurance.
Car Insurance in McKinney, TX: Coverage and Quote Questions
Coverage and quote questions for McKinney drivers.
Renters insurance. Your things, your liability.
What renters insurance covers, what it typically costs and how it pairs with auto for apartment and rental-home renters across North Texas.
Renters Insurance in Texas: What It Covers and What It Costs
What renters insurance covers in Texas, what it costs, and what your landlord's policy doesn't.
Renters Insurance in Frisco, TX: Apartments, Townhomes and What Landlords Ask For
Renters insurance for Frisco apartments and townhomes, and what landlords usually ask for.
Condo insurance. Walls-in coverage, explained.
How an HO-6 policy works alongside your HOA's master policy, and how to set limits for improvements, belongings and loss assessments.
Condo and Townhome Insurance in Texas: How HO-6 Coverage Works
How an HO-6 policy works with your HOA's master policy, and where the gaps usually are.
Landlord insurance. Rentals, covered properly.
Single-family rentals, duplexes and growing portfolios: dwelling policies, loss of rents, vacancy and liability for North Texas landlords.
Landlord Insurance in Texas: DP-1 vs. DP-3 and What Rental Owners Need
DP-1 vs. DP-3 for Texas rental homes, and the coverage rental owners need.
Flood insurance. Homeowners policies don't cover it.
Standard home policies exclude flood, NFIP policies usually have a 30-day waiting period, and flash flooding happens across DFW. Here is how to plan ahead.
Flood Insurance in Texas: Do You Need It Outside a Flood Zone?
Why flood needs its own policy, the 30-day wait, and who should consider it outside a flood zone.
Life insurance. Plans that keep your family on track.
How life insurance protects a household's income, mortgage and plans, and how term and permanent coverage compare for growing families.
Life Insurance for Texas Families: How Much Coverage and Which Type
How much life insurance a Texas family needs, and which type fits.
How Much Life Insurance Do I Need? A Simple Way to Work It Out
A simple way to work out how much life insurance you need.
Business insurance. For North Texas small businesses.
General liability, business owner's policies, commercial auto and how workers' comp works in Texas, where most private employers can choose whether to carry it.
Small Business Insurance in Texas: What Frisco Businesses Need
The core coverages a Frisco small business needs, and how Texas workers' comp works.
Motorcycle, RV and boat. Coverage for the weekends.
Motorcycle, RV, travel trailer and boat coverage for North Texas riders and road-trippers, plus what Texas law says about helmets.
Motorcycle Insurance in Texas: Requirements, Helmet Rules and Coverage
Motorcycle coverage in Texas and how the state's helmet rules work.
RV and Travel Trailer Insurance in Texas: What to Know Before the Road Trip
How RV and travel trailer coverage works before your next road trip.
Boat Insurance in Texas: Lake Lewisville, Lavon and Boater Education Rules
Boat insurance for Texas lakes, and the state's boater education rule.
Insurance basics. How to shop, bundle and protect it all.
How an independent agent shops for you, when bundling pays, umbrella coverage, and a checklist for moving to Frisco.
Independent vs. Captive Insurance Agents: What's the Difference for Texas Families?
What an independent agent can do that a single-company agent can't, and what to ask either one.
Should You Bundle Home and Auto Insurance in Texas? When It Saves and When It Doesn't
When bundling home and auto saves money, and when separate policies make more sense.
Umbrella Insurance in Texas: Who Needs It and What It Covers
Who needs umbrella insurance, what it covers, and how it sits on top of home and auto.
Moving to Frisco? Your Insurance Checklist for Home, Auto and Renters
Moving to Frisco? The home, auto and renters insurance checklist.
Insurance Agent in Frisco, TX: What a Local Independent Agent Does for You
What a local independent agent in Frisco does for you, start to finish.
About this blog. Fair questions.
Who writes these guides?
33° North Insurance Group, an independent agency in Frisco, Texas. Topics come from the questions North Texas families and business owners ask us, and every guide is reviewed by Robert Hutchings before it goes live. When Texas rules or the insurance market change, we update the guides to match.
Is this personalized insurance advice?
No. These guides explain how Texas insurance works and what people in similar situations tend to consider. Coverage that fits your home, cars and family takes a conversation. That conversation is free and starts at our quote page or (972) 987-0650.
Do these guides only cover one insurance company?
No. We're an independent agency, so we compare coverage from several of the insurance companies we represent. The Texas rules we write about, like the auto liability minimum and the flood exclusion on home policies, apply no matter who insures you. Coverage is subject to each company's policy terms, conditions and availability.
When do the guides go live?
Every topic on this page is on our publishing calendar, and we'll add guides one at a time. Bookmark this page, or call (972) 987-0650 if you have a question that can't wait.
Have a question a guide didn't answer? Call (972) 987-0650. We like the hard ones.
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Free, fast, and in plain English.
Tell us about your home, your cars and your plans. We'll compare several of the insurance companies we represent and walk you through the options.