Fort Worth Home and Auto Insurance

Tarrant County hailstorms can shred shingles and dent gutters in one afternoon. Read your declarations page for a wind and hail deductible stated as a percentage; 1% or 2% of a large dwelling limit adds up fast. Also look for wording that pays older roofs at actual cash value, and for any endorsement excluding cosmetic hail dents.

Many new homes have been built in north Fort Worth in recent years. Newer roofs can help with pricing, but make sure your dwelling coverage reflects the cost to rebuild, not your purchase price. If you're buying new, ask the builder about the roof material. Impact-resistant shingles may qualify for a discount with some carriers.

Pier-and-beam and older slab homes in established neighborhoods may need details about foundation work, plumbing, and wiring. Most policies limit or exclude foundation damage from soil movement, which is common with North Texas clay soils.

The Clear Fork and West Fork of the Trinity River meet near downtown, and many creeks feed them. Standard homeowners policies don't cover flood. Check your address on FEMA's flood map and consider a separate flood policy.

State law requires 30/60/25 liability. Personal injury protection and uninsured/underinsured motorist coverage come with the offer by default, and declining them takes a signed written rejection. Comprehensive is what repairs hail dings on your truck or car.

Commuters on I-35W, I-30, I-20, and Loop 820 log a lot of miles. Higher limits than the minimum are worth considering if you own a home.