Dishon Insurance Agency, LLC
575 W Lucas Dr, Ste 105, Beaumont, TX 77706
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575 W Lucas Dr, Ste 105, Beaumont, TX 77706
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3155 Executive Blvd, Beaumont, TX 77705
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6250 Delaware St, # B, Beaumont, TX 77706
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3000 Dowlen Rd, Ste 110, Beaumont, TX 77706
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4155 Phelan Blvd, Beaumont, TX 77707
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7540 Park North Dr., Beaumont, TX 77708
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3336 S Major Dr, Beaumont, TX 77707
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2905 Laurel Ave, Beaumont, TX 77702
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3130 North St, Beaumont, TX 77702
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3190 Liberty Street, Beaumont, TX 77702
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Learn about insurance coverage options specific to Beaumont residents.
Beaumont homeowners pay $2,348-$2,408/year for insurance but face hurricane and flood risks. Learn about windstorm coverage, flood zones, and cost savings.
Car InsuranceBeaumont drivers pay $1,952/year for full coverage due to refinery traffic, hurricanes, and I-10 risks. Compare quotes to save $500+ annually.
Car InsuranceNavigate Beaumont's I-10 construction and at-fault insurance system. Understand Texas's 30/60/25 minimums and find local agencies in the Golden Triangle.
General Insurance EducationComplete insurance guide for Beaumont residents. Learn about auto, home, and flood insurance requirements in the Golden Triangle. Get costs, tips & coverage advice.
Yes, flood insurance is essential in Beaumont. The city faces flood risks from both Gulf Coast hurricanes and Neches River flooding, which occurs on average every five years. During Hurricane Harvey, over 200,000 homes were damaged and 75% didn't have flood insurance. Standard homeowners policies don't cover flooding, so you need a separate flood insurance policy through the National Flood Insurance Program or a private insurer.
It depends on the type of damage. Standard homeowners insurance typically covers rain and water damage that comes through a hurricane-damaged roof or wall. However, many coastal policies exclude wind and hail damage, which requires separate windstorm coverage through the Texas Windstorm Insurance Association (TWIA). Flooding from storm surge or heavy rain is never covered by homeowners insurance and requires separate flood insurance.
The average homeowners insurance premium in Beaumont ranges from $2,348 to $2,408 per year, which is below the Texas state average of $3,851. However, your actual cost depends on your home's age, construction type, credit score, and whether you need additional windstorm coverage. Older homes can pay up to $1,258 more annually, and coastal homeowners needing windstorm insurance may pay $3,200 or more.
TWIA is a state-run insurance pool that provides windstorm and hail coverage to coastal Texas homeowners who can't get it through standard insurance policies. Many homeowners policies in coastal areas exclude wind and hail damage, so TWIA fills that gap. You purchase TWIA coverage separately from your regular homeowners insurance, and it specifically covers damage from hurricane-force winds and hail.
You can reduce your premium by fortifying your home with hurricane straps, impact-resistant windows, and a reinforced roof. Improving your credit score can save up to $818 annually, and bundling home and auto insurance typically saves 15-25%. Installing security systems, updating old plumbing and electrical, and shopping around for quotes from multiple carriers are also effective strategies.
The Neches River floods low-lying areas on average every five years, and flooding can happen any time of year, not just during hurricane season. Major recent floods occurred during Hurricane Harvey in 2017 and Tropical Storm Imelda in 2019. During intense rainstorms, Beaumont's drainage system can become overwhelmed, causing flooded roads and overflowing ditches even without a named storm.
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