Garland Home and Auto Insurance

Garland homeowners face both hail and tornado wind, and both usually fall under the same wind and hail deductible. If yours is a percentage, multiply it by your dwelling limit to see the real number. Check whether an older roof would be paid at depreciated value.

On December 26, 2015, an EF-4 tornado struck Garland and Rowlett, killing 10 people and destroying nearly 400 homes in Dallas County, according to the National Weather Service. Wind damage, including tornadoes, is generally covered by homeowners policies, subject to your wind and hail deductible. Make sure your dwelling coverage would rebuild your home at today's costs, and keep a home inventory with photos.

Many Garland homes are 40 to 70 years old. Carriers often ask about roof age, electrical panels, plumbing, and foundation repairs. Updates can expand your options. Most policies limit or exclude foundation damage from soil movement.

Homes near the lake may have docks or boats. Ask about dock coverage, buy a separate boat policy, and check FEMA's flood map. Duck Creek and Rowlett Creek also run through Garland. Flood isn't covered by homeowners insurance.

The Texas minimum is 30/60/25 liability. PIP and UM/UIM come with every offer, and removing them takes a written rejection. Comprehensive coverage handles hail and wind damage to your car.