Plano Home and Auto Insurance

Many Plano homeowners have already replaced a roof after a storm. When you shop, ask each carrier three questions: Is the wind and hail deductible a flat dollar amount or a percentage? Will my roof be settled at replacement cost or depreciated value? Does the quote include a cosmetic damage exclusion, sometimes offered alongside an impact-resistant roof credit?

Much of Plano's housing is now 30 to 40 years old. Carriers often focus on:

• Roof age. Plano roofs may have been replaced after past hailstorms. Keep the date and invoice for your current roof.
• Plumbing. Older supply lines and water heaters are a common source of water damage claims.
• Foundation. Expansive clay soils can shift slabs. Most policies limit or exclude settling and earth movement.

Many Plano homes have backyard pools. Pools increase liability exposure, and some carriers have fencing requirements. An umbrella policy adds liability protection above your home and auto limits.

Creeks such as Spring Creek, Rowlett Creek, and Brown Branch run through Plano. Homeowners policies don't cover flood. Check FEMA's flood map for your address.

Every Texas driver needs at least $30,000 per person, $60,000 per accident, and $25,000 property damage in liability. PIP and UM/UIM are offered on every policy, and you keep them unless you reject them in writing. Hail damage to your vehicle falls under comprehensive.

The Dallas North Tollway, US-75, and the President George Bush Turnpike carry heavy commuter traffic.