Agents Alliance Services
1112 N Locust St, Denton, TX 76201
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Denton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1112 N Locust St, Denton, TX 76201
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2412 Old North Road Bldg 101, Denton, TX 76209
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2214 Emery St, Suite 130, Denton, TX 76201
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830 S Interstate 35E, Denton, TX 76205
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830 S Interstate 35 E, Denton, TX 76205
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121 Hann St, Denton, TX 76201
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1707 N Elm St, Denton, TX 76201
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723 I-35 E, Ste 207, Denton, TX 76205
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1707 N Elm St, Denton, TX 76201
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2925 Country Club Rd, #104, Denton, TX 76210
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Learn about insurance coverage options specific to Denton residents.
Denton home insurance costs $1,490-$2,482/year. Get coverage for hail, tornadoes & rising property values. Compare rates, understand deductibles & save.
Car InsuranceDenton drivers pay $1,340-$1,763/year for car insurance. Learn what UNT students pay, how I-35 commuting affects rates, and where to find the cheapest coverage.
Car InsuranceDenton drivers pay $159/month average. Learn about Texas 30/60/25 minimums, high-risk I-35E areas, UNT/TWU student discounts, and smart coverage options.
General Insurance EducationComplete insurance guide for Denton residents covering auto requirements, homeowners weather risks, and student renters insurance. Get rates and expert tips.
Home insurance in Denton typically costs between $1,490 and $2,482 per year, depending on your coverage level, home age, construction type, and credit score. This is below the Texas statewide average of $3,851 annually, though rates have increased 54% since 2019 due to severe weather claims and inflation.
Yes, most Denton homeowners policies include wind and hail coverage as standard. However, you'll typically have a separate deductible for wind and hail damage, often 1% to 5% of your dwelling coverage, which is higher than your deductible for other perils like fire. Tornado damage falls under wind coverage.
Texas law allows up to one year to file insurance claims after storm damage. However, filing within 30 days of the storm significantly improves approval rates and processing speed. After major hail events, adjusters get backlogged with claims, so getting on their list early matters.
Older homes cost more to insure because they're more susceptible to damage and may require specialized materials for repairs. In Denton, homes over 30 years old pay about 60% more than new construction, with the age factor adding up to $821 annually to premiums. Older roofs, plumbing, and electrical systems all increase risk for insurers.
Standard homeowners policies don't cover flooding, and while Denton isn't coastal, flash flooding from heavy rainfall can occur, especially near creeks or in low-lying areas. If you're in a flood-prone zone or have experienced water issues, a separate flood policy through the National Flood Insurance Program is worth considering.
Denton real estate has appreciated 126% over the past decade, with the average single-family home now worth $465,000. If you haven't updated your dwelling coverage to match current rebuilding costs, you're likely underinsured. Review your coverage annually and increase limits to reflect rising construction costs and property values.
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