Celeste Insurance Agency, LLC
303 Highway 69 North, Celeste, TX 75423
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303 Highway 69 North, Celeste, TX 75423
View this agency's profile to learn more about their services.
303 N US Highway 69, Celeste, TX 75423
View this agency's profile to learn more about their services.
303 N Hwy 69, Celeste, TX 75423
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Celeste residents.
Celeste sits in tornado alley with 162 Texas tornadoes in 2025. Learn about windstorm deductibles, hail coverage, and how to save on home insurance.
General Insurance EducationComplete insurance guide for Celeste, Texas residents. Learn about rural rates, flood risks, Texas requirements, and how to save on home and auto coverage.
Car InsuranceGet the facts on Texas's 30/60/25 requirements, rural driving risks in Hunt County, and how to find affordable auto insurance in Celeste, Texas.
Yes, standard Texas homeowners policies (HO-3 forms) include coverage for wind damage, which covers tornadoes. However, you'll typically pay a separate windstorm deductible that's calculated as a percentage of your home's insured value—often 1-5%—rather than your standard flat deductible. This means if your home is insured for $200,000 with a 2% windstorm deductible, you'll pay $4,000 out of pocket before insurance coverage begins.
North Texas sits in tornado alley where severe convective storms generate frequent hail and tornado damage. Texas recorded 162 tornadoes in 2025 alone, the most of any state. These severe weather events drive up claims costs—the average Texas hail claim runs $8,000 to $15,000, with severe storms generating claims over $30,000. Insurance companies pass these elevated risks and costs to policyholders, making Texas home insurance $1,250 more expensive annually than the national average.
Your regular deductible is a flat dollar amount (like $1,000 or $2,500) that applies to most covered perils such as fire, theft, or burst pipes. Your windstorm deductible applies specifically to wind and hail damage from storms and tornadoes, and it's usually calculated as a percentage of your dwelling coverage—typically 1-5%. For a $200,000 home with a 2% windstorm deductible, you'd pay $4,000 before insurance covers storm damage, even though your fire deductible might only be $1,000.
Your dwelling coverage should equal the full cost to rebuild your home at current construction prices, not its market value or what you paid for it. In Celeste's affordable housing market, this might be higher than your purchase price due to rising construction costs. Also ensure your personal property coverage reflects actual replacement costs for your belongings, and carry at least $300,000 in liability coverage to protect your assets if someone is injured on your property.
Not necessarily. Filing small claims can increase your premiums or lead to non-renewal, especially if you file multiple claims within a few years. If damage is less than your windstorm deductible (which might be $3,000-$5,000 for many Celeste homes), paying out of pocket makes more financial sense. However, if you've sustained significant roof damage, broken windows, or siding damage that exceeds your deductible, file promptly—typically within 48 hours of discovering the damage.
Yes, several strategies can reduce your premium. Bundle your home and auto insurance for 15-25% savings. Install impact-resistant shingles rated for hail damage to earn discounts. Add a security system or improve your home's wind resistance. Raise your standard deductible if you have emergency savings to cover it. Shop multiple insurers annually—Texas is competitive and rates vary significantly between companies for identical coverage.
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