Cano Molina Insurance Broker LLC
550 S Watters Rd, Suite 279, Allen, TX 75013
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550 S Watters Rd, Suite 279, Allen, TX 75013
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28 Prestige Circle, Ste 2110, Allen, TX 75002
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550 S Watters Rd, Ste 130, Allen, TX 75013
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1213 Alma Drive, Allen, TX 75013
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907 Vinecrest Ln, Allen, TX 75002
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304 East McDermott Drive, Allen, TX 75002
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450 Century Parkway, Ste 250, Allen, TX 75013
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1020 W. Exchange Pkwy, Suite 2130, Allen, TX 75013
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705 N Greenville Ave, Suite 800, Allen, TX 75002
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Learn about insurance coverage options specific to Allen residents.
Allen, TX home insurance averages $1,480/year. Learn about hail risk, tornado coverage, and how to save on premiums in this North Texas city.
Car InsuranceAllen auto insurance averages $161/month. Learn about Texas 30/60/25 minimums, US-75 accident risks, and how to find affordable coverage in this Collin County suburb.
General Insurance EducationComplete insurance guide for Allen residents covering auto, home, and umbrella coverage. Learn about Collin County weather risks and ways to save on premiums.
Home insurance in Allen averages between $1,480 and $1,565 per year, or about $123 to $130 per month. This is significantly lower than the Texas state average of $3,851 annually because Allen doesn't face hurricane or coastal flooding risks. Your actual rate depends on your home's age, size, roof condition, and the coverage limits you choose.
Yes, standard homeowners insurance policies in Allen include wind and hail coverage. However, many policies have separate wind/hail deductibles that are higher than your standard deductible—often a percentage of your dwelling coverage rather than a flat amount. On a $300,000 home with a 2% wind/hail deductible, you'd pay $6,000 out of pocket before insurance covers the rest.
Allen has recorded 244 hail reports within 10 miles of the city center, with 21 hail events in 2025 alone. The largest hailstone recorded near Allen was 4.5 inches in diameter. Doppler radar has detected hail at or near Allen on 91 occasions in recent years, making hail damage one of the most common insurance claims for homeowners in the area.
Yes, upgrading to Class 4 impact-resistant shingles is worth considering if you're replacing your roof in Allen. Given the frequency and size of hailstorms in North Texas, impact-resistant roofing can prevent costly damage and often qualifies you for insurance discounts. While the upfront cost is higher than standard shingles, the long-term savings on premiums and avoided claims can offset the investment.
While tornadoes are less frequent than hailstorms, North Texas does experience tornado activity—Texas averages 151 tornadoes per year. Allen has been under severe weather warnings 69 times in the past 12 months. Standard homeowners insurance covers tornado damage, but you should ensure your dwelling coverage is high enough to cover full replacement costs in case of total loss.
The most effective ways to reduce your premium include bundling home and auto insurance (saving 15-25%), increasing your deductible, installing a monitored security system, and upgrading to impact-resistant roofing. Shopping around with multiple carriers every few years is also critical, as Texas rates have been rising rapidly and insurer pricing varies significantly.
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