Parnell-Robinson Insurance
311 Louise St, Mansfield, LA 71052
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311 Louise St, Mansfield, LA 71052
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Mansfield residents.
Mansfield TX homeowners pay $2,824/year on average for insurance. Learn how hail risk, tornado exposure, and new construction affect your rates.
Texas requires 30/60/25 liability coverage, which means $30,000 per person for injuries, $60,000 total per accident, and $25,000 for property damage. However, these minimums often aren't enough to fully protect your assets in a serious accident. Many insurance professionals recommend higher liability limits, especially if you have significant assets or own your home.
Home insurance in Tarrant County averages about $2,397 per year for a standard policy, though costs vary significantly based on your home's age, value, construction, coverage limits, and deductible. Texas is the 4th most expensive state for home insurance due to severe weather risks including hail and tornadoes. Shopping around with multiple carriers can help you find better rates.
Yes, standard homeowners policies in Mansfield typically include wind and hail coverage automatically since you're not in the coastal windstorm zone. Tornado damage is covered under wind coverage. However, flood damage is not included in standard policies, so if you're near Joe Pool Lake or in a flood-prone area, you'll need separate flood insurance.
Absolutely. While 30/60/25 meets legal requirements, medical costs from even moderate injuries can easily exceed $30,000, and a totaled newer vehicle can cost $40,000-$60,000 or more. If you own a home or have assets worth protecting, consider increasing your liability limits to at least 100/300/100 and adding uninsured motorist coverage to protect yourself from drivers who skip insurance.
Insurance companies are becoming more selective about Texas policies due to severe weather risks, particularly hail damage. Texas led the nation in 2024 with over 180,000 homes damaged by hailstorms larger than 2 inches. Nonrenewal complaints to the Texas Department of Insurance more than doubled from 2023 to 2024, jumping from 79 to 190 complaints. This makes shopping around and maintaining your home even more important.
Yes, most insurance carriers offer significant discounts when you bundle multiple policies, typically ranging from 15-25% off your total premium. Beyond bundling, ask about discounts for good driving records, home security systems, impact-resistant roofing, being claims-free, and professional affiliations. Working with an independent agent who can quote multiple carriers helps you find the best combination of coverage and savings.
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