Perkins Insurance Agency
749 Gateway D, Ste 401, Abilene, TX 79602
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Abilene households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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749 Gateway D, Ste 401, Abilene, TX 79602
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749 Gateway St, Building D, Ste 401, Abilene, TX 79602
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1500 Industrial Blvd, Ste 101, Abilene, TX 79602
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3300 S 14th St, Ste 202, Abilene, TX 79605
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500 Chestnut St, #1901, Abilene, TX 79602
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1323 S Danville Drive, Abilene, TX 79605
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Learn about insurance coverage options specific to Abilene residents.
Abilene homeowners pay $1,400-$2,450/year for insurance—half the Texas average. Learn about tornado/hail coverage, impact-resistant roof discounts & savings.
Car InsuranceAbilene drivers pay $1,400-$1,650/year for auto insurance—below Texas average. Learn about 30/60/25 requirements, I-20 risks, and how to save money.
General Insurance EducationComplete Abilene insurance guide: understand Texas 30/60/25 requirements, hail protection, average rates ($1,423/yr), and Big Country weather risks.
Car InsuranceAbilene drivers pay $132-$142/month for car insurance, 5% below Texas average. Learn about hail coverage, best rates, and how to save on premiums.
Abilene homeowners typically pay between $1,400 and $2,450 annually for home insurance, which is significantly lower than the Texas state average of $4,101. The exact cost depends on factors like your home's age, construction type, credit score, and the coverage limits you choose.
Yes, standard homeowners insurance policies in Texas cover wind and hail damage, including damage from tornadoes. However, you'll likely have a separate wind/hail deductible—typically 1% to 5% of your dwelling coverage—which means you'll pay that amount out of pocket before insurance covers the rest. Flood damage requires separate coverage.
Installing Class 3 or Class 4 impact-resistant shingles can reduce your annual home insurance premium by 5% to 30%. On a typical $2,000 annual premium, that's $100 to $600 in savings each year. Over the 30-year life of your roof, those savings can add up to thousands of dollars while also providing better protection against hail damage.
Abilene's lower insurance rates reflect lower home values (median around $235,000-$246,000 compared to $333,000 statewide) and reduced risk compared to coastal areas. While Abilene faces tornado and hail risks, it doesn't deal with hurricanes or severe flooding issues that drive up premiums in Houston, Corpus Christi, and other regions.
Your premium is influenced by your home's age (older homes can pay 58% more), credit score (poor credit can increase rates by 42%), construction type (frame homes cost about 12% more than brick), your deductible amount, coverage limits, and available discounts. The location within Abilene and your claims history also play a role.
While Abilene isn't in a high-risk flood zone like coastal Texas, flash flooding from severe thunderstorms can occur. Standard homeowners insurance doesn't cover flood damage, so you'll need a separate flood policy if you want that protection. If you're in a low-risk area, flood insurance is typically very affordable and can provide valuable peace of mind.
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