THE LOBS INC Insurance Services
75 Wren Hollow Dr, Suite 100, Conroe, TX 77385
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75 Wren Hollow Dr, Suite 100, Conroe, TX 77385
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729 E Davis St, Conroe, TX 77301
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100 Interstate 45 N, Suite 200, Conroe, TX 77301
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100 I-45 N, Suite 200, Conroe, TX 77301
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Conroe residents.
Conroe home insurance averages $1,800-$2,800/year. Learn about hail protection, Lake Conroe flood zones, and coverage for Montgomery County's fast growth.
Car InsuranceConroe auto insurance costs $1,400-$1,900/year. Learn Texas requirements, I-45 corridor risks, hail coverage, and how to save with local agencies.
General Insurance EducationComplete Conroe insurance guide covering Texas 30/60/25 requirements, hail risks, Lake Conroe flooding, and how to save money in Montgomery County's booming market.
Car InsuranceConroe drivers pay $156-$182/month for car insurance. Learn about hail coverage, I-45 commuter rates, bundling discounts, and ways to save in Montgomery County.
The average cost of home insurance in Conroe ranges from $1,800 to $2,800 per year, which is lower than the Texas state average of around $3,851 annually. Your specific rate depends on factors like your home's age (newer homes can save up to 52%), your credit score, proximity to Lake Conroe, and the coverage limits you choose.
Yes, standard homeowners insurance policies in Texas typically cover hail damage to your dwelling, other structures, and personal belongings. This is especially important in Conroe since Montgomery County experienced over 32 hailstorms between 2017-2019. However, some insurers may limit coverage on older roofs, paying only actual cash value rather than full replacement cost.
It depends on your specific flood zone. If you're in a high-risk area (100-year floodplain), your mortgage lender will require it. However, even if you're in a low-risk Zone X where it's optional, flood insurance is worth considering—parts of Conroe experienced 12-14 feet of flooding during Hurricane Harvey, and three-quarters of Harvey flood victims were outside high-risk zones. Standard home insurance does not cover flood damage at all.
Yes, newer homes in Conroe can be significantly cheaper to insure—up to 52% less expensive than older homes, potentially saving you $725 per year. Newer homes are built to current building codes, have modern electrical and plumbing systems, and are less likely to have pre-existing issues, all of which reduce risk for insurers and result in lower premiums for you.
Texas home insurance rates jumped 21% in 2023 and 19% in 2024 due to severe weather. Texas had more hail events and tornadoes than any other state in 2024, leading to massive claim payouts by insurers. Additionally, the number of nonrenewal complaints more than doubled in 2024, indicating insurers are becoming more selective about coverage in high-risk areas.
Focus on adequate dwelling coverage to rebuild at current construction costs, confirm hail and wind damage coverage without excessive limitations, verify roof coverage terms (replacement cost vs. actual cash value), choose a deductible you can afford to pay, and ensure sufficient liability protection. Get quotes from multiple insurers since rates can vary significantly for the same coverage.
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