Irving Home and Auto Insurance

For Irving homeowners, the key storm terms are the wind and hail deductible and the roof settlement method. A percentage deductible grows as your dwelling limit grows, and an actual cash value roof provision can cut a claim check sharply on an older roof. Condo owners should check how the association's deductible is split among owners.

Las Colinas has many condos, townhomes, and apartments. Condo owners need an HO-6 policy that fills the gaps in the association's master policy. Ask for the master policy and check for a large association deductible, since loss assessment coverage can help if owners are charged after a claim. Renters insurance covers belongings and liability affordably.

The Elm Fork and West Fork of the Trinity River run along Irving's eastern side, and the city has creeks such as Bear Creek and Delaware Creek. Homeowners and renters policies don't cover flood. Check FEMA's flood map and consider a separate flood policy.

South Irving has many homes from the mid-1900s. Expect questions about roof age, plumbing, wiring, and foundation repairs. Most policies limit or exclude foundation damage from soil movement.

Liability must be at least 30/60/25 under Texas law. PIP and uninsured motorist protection are offered automatically and can be removed only with a written rejection. Hail on a car parked at an open-air lot is a comprehensive claim.

Irving sits at the crossroads of SH-114, SH-183, Loop 12, I-635, and SH-161, so many residents drive a lot of miles.