Denton Home and Auto Insurance

North Texas storms don't skip Denton. Before you renew, find out how much you'd pay on a hail claim under your wind and hail deductible, and whether your policy depreciates the roof. Some quotes add a cosmetic-damage exclusion; know what you're giving up if you accept it.

With two universities, Denton has a large renter population. Renters insurance covers belongings and personal liability for much less than homeowners insurance. Students living off campus should check whether a parent's policy extends to them, and for how much.

Neighborhoods near the downtown square and the universities include older homes. Carriers may ask about wiring, plumbing, foundations, and roof age.

South and east Denton have grown with new subdivisions. Make sure dwelling coverage reflects rebuild cost, and ask about impact-resistant roof discounts.

Lewisville Lake lies to the south and Ray Roberts Lake to the north, and Pecan Creek and Hickory Creek run through the area. Homeowners policies don't cover flood. Check FEMA's flood map for your address. If you have a boat on either lake, it usually needs its own policy.

Texas requires 30/60/25 liability. Each policy offer includes PIP and uninsured/underinsured motorist coverage, which you can only decline in writing. Students with cars parked outside apartments may want comprehensive for hail.