Anchorpoint Insurance Services
920 E Blanco Rd, Suite A, Boerne, TX 78006
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920 E Blanco Rd, Suite A, Boerne, TX 78006
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26254 W IH-10, #262, Boerne, TX 78006
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28720 Interstate 10 W, Ste 120, Boerne, TX 78006
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1415 E Blanco Rd, #8, Boerne, TX 78006
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801 N Main St, Suite B, Boerne, TX 78006
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1002 E Blanco Rd, Ste A, Boerne, TX 78006
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Learn about insurance coverage options specific to Boerne residents.
Boerne home insurance guide: hail & flood coverage, ranch property rates, and Hill Country risks. Get protected in this fast-growing Texas town.
Car InsuranceBoerne auto insurance averages $2,102/year. Learn about Texas 30/60/25 requirements, I-10 corridor risks, and how to get the best rates in the Hill Country.
General Insurance EducationComplete insurance guide for Boerne, TX residents. Learn about auto requirements, hail damage coverage, flood insurance, and ranch protection in the Hill Country.
Yes, you should strongly consider it. Kendall County is in Flash Flood Alley, where sudden flooding can occur anywhere regardless of FEMA flood zone designations. Flash floods don't respect flood maps, and standard homeowners insurance doesn't cover any flood damage. At about $700 per year through the National Flood Insurance Program, it's affordable protection against a potentially catastrophic loss.
Home insurance in Texas averages $3,694 per year, which is 72% higher than the national average. Boerne rates will vary based on your home's age, value, construction type, and specific location, but expect to pay somewhere in the range of $2,500 to $5,000 annually for typical coverage. Ranch properties or homes with higher values will cost more to insure.
Yes, hail damage is covered under standard HO-3 homeowners policies. Texas experienced 878 major hail events in 2024, and the Hill Country sees significant hail storms regularly. Make sure your policy includes replacement cost coverage rather than actual cash value so you can fully repair or replace your roof if it's damaged. Impact-resistant roofing can also qualify you for insurance discounts.
Ranch properties require higher dwelling coverage limits due to increased rebuilding costs, and you'll need adequate coverage for outbuildings like barns and workshops. Work with an agent experienced in Hill Country ranch insurance to properly assess your wildfire risk, ensure you have sufficient liability coverage for larger properties, and right-size your policy limits to avoid costly coverage gaps.
Flood insurance through the National Flood Insurance Program has a 30-day waiting period before coverage begins. This means you cannot buy a policy when storms are forecasted and expect immediate coverage—you need to plan ahead and purchase flood insurance well before you need it to ensure you're protected when flash flooding occurs.
Absolutely. Boerne has grown 25% since 2020, and home values and construction costs have risen significantly. Review your dwelling coverage annually with your agent to ensure your policy limits reflect current replacement costs. Being underinsured means you won't receive enough money to rebuild if disaster strikes, even if you've been paying premiums for years.
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