Generous Benefits
537 Houston St, Coppell, TX 75019
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Coppell households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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537 Houston St, Coppell, TX 75019
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9111 Cypress Waters Blvd, Ste 200, Coppell, TX 75019
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412 W. Bethel Rd., Coppell, TX 75019
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702 S Denton Tap Rd, Suite 100, Coppell, TX 75019
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Learn about insurance coverage options specific to Coppell residents.
Coppell insurance costs less than average: $145/month for auto, $2K/year for home. Get local rates, flood discounts, and coverage tips for DFW families.
Home InsuranceCoppell homeowners pay $1,500-$2,325/year for insurance. Learn about hail coverage, tornado protection, and how to save on your premium in this DFW suburb.
Yes, Coppell residents typically pay around $144.89 per month for auto insurance, which is about $15 less than the national average of $169.67 monthly. However, being near Dallas means rates are 10-12% higher than rural Texas locations due to increased theft and storm risks. Shopping around with local agents can help you find the best rates for your situation.
It's worth serious consideration. About 40% of all flood insurance claims come from properties outside the 100-year floodplain, and North Texas gets severe thunderstorms that can cause flash flooding anywhere. At an average cost of $879 annually (with Coppell's 5-10% discount), flood coverage provides affordable protection for events your standard homeowners policy won't cover at all.
Texas requires minimum liability coverage of 30/60/25: $30,000 per injured person, $60,000 total per accident for injuries, and $25,000 for property damage. However, insurance experts strongly recommend increasing these limits to at least 100/300/50 in an affluent area like Coppell, where the median household income exceeds $139,000 and you have significant assets to protect from lawsuits.
About 70% of Coppell homeowners pay around $2,000 annually for homeowners insurance. This reflects the area's median home value of $623,780 and the specific risks of North Texas weather including hail, severe storms, and heat. Your actual cost depends on your home's value, construction type, age, and the coverage limits you choose.
Absolutely. Most insurance companies offer bundling discounts of 15-25% when you purchase multiple policies from them. Getting quotes from Coppell's four local agencies and comparing bundled rates versus separate policies can reveal significant savings while giving you the convenience of one point of contact for all your insurance needs.
Insurance companies factor in proximity to major metro areas when calculating risk. Being close to Dallas increases your exposure to vehicle theft, vandalism, and storm damage that affects the broader DFW area. This typically adds 10-12% to both auto and homeowners premiums compared to rural Texas locations, though rates remain lower than national averages overall.
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