Arlington Home and Auto Insurance

Arlington sits in the middle of the Metroplex's hail corridor. A percentage-based wind and hail deductible is common on Texas policies, so know the dollar figure before a storm, not after. Ask, too, whether your roof would be replaced at full cost or paid out after depreciation.

Arlington's entertainment district brings heavy traffic on game and event days, on top of daily commuting on I-30, I-20, and SH-360. Comprehensive coverage protects against hail, theft, and vandalism, and collision covers damage to your car in an accident regardless of fault.

The legal minimum is 30/60/25 liability. Insurers must put PIP and uninsured motorist coverage in front of you, and saying no requires a written rejection. To protect against hail, theft, or a fallen branch in a stadium lot, you need comprehensive.

Arlington has many apartments, especially near UTA. Renters insurance covers your belongings and liability for much less than homeowners insurance. Students living off campus may not be covered under a parent's homeowners policy, so check before assuming.

Many Arlington homes date from the 1970s through the 1990s. Expect questions about roof age, plumbing, and foundation repairs. Most policies limit or exclude foundation damage from soil movement. Johnson Creek, Village Creek, and other creeks cross the city, and standard homeowners policies don't cover flood, so check FEMA's flood map.