Hindes & Associates
14942 Keeler Ave, Midlothian, IL 60445
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Midlothian households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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14942 Keeler Ave, Midlothian, IL 60445
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Midlothian residents.
Midlothian auto insurance guide: Texas 30/60/25 requirements, typical costs ($116-$150/month), US-287 risks, and coverage tips for this fast-growing DFW suburb.
Texas requires all drivers to carry at least 30/60/25 liability coverage. That means $30,000 per person for bodily injury, $60,000 total per accident for bodily injury, and $25,000 for property damage. However, these minimums may not be enough to fully protect you in a serious accident, so higher limits are often recommended.
No, standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy through FEMA's National Flood Insurance Program. Ellis County participates in this program, and you should check your property's flood zone to determine if you need coverage. Even homes outside high-risk zones can experience flash flooding during severe storms.
Homeowners insurance costs in Midlothian vary based on your home's age, replacement cost, proximity to fire stations, and claims history. Texas has some of the highest homeowners insurance rates in the country due to severe weather risks like hail and tornadoes. The best way to find affordable coverage is to get quotes from multiple insurers and consider bundling with your auto policy for discounts.
Yes, bundling your auto and homeowners insurance with the same carrier typically saves you 15-25% on your premiums. Many local Midlothian insurance agents offer bundling options and can help you find the best combination of coverage and savings. It also simplifies your insurance management by having one point of contact for all your policies.
Midlothian has approximately six local insurance agencies, including State Farm, Texas Farm Bureau, and independent agents who represent multiple carriers. Local agents understand Ellis County's specific weather risks and can provide personalized service. Look for agents in the downtown area or search online for Midlothian insurance providers.
Yes, most insurance experts recommend carrying higher liability limits than the state minimum. With Midlothian's median household income over $120,000, you have assets worth protecting. Consider increasing your coverage to 100/300/100 or higher to protect yourself from potential lawsuits. Medical bills and vehicle repairs from serious accidents can easily exceed the minimum coverage limits.
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