AFIG LLC Insurance Services
1801 N Hampton Rd., Suite 383, Desoto, TX 75115
View this agency's profile to learn more about their services.
Loading...
City directory
Desoto 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.
1801 N Hampton Rd., Suite 383, Desoto, TX 75115
View this agency's profile to learn more about their services.
231 E Beltline Rd, Suite B5, Desoto, TX 75115
View this agency's profile to learn more about their services.
231 E Belt Line Rd, Ste B5, Desoto, TX 75115
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Desoto residents.
DeSoto homeowners face 126+ yearly hail events. Learn how to protect your home with the right coverage, save on premiums, and handle tornado alley risks.
Car InsuranceDeSoto auto insurance starts at $577/year. Learn about Texas 30/60/25 minimums, at-fault laws, and how DeSoto's I-35E location affects your rates.
General Insurance EducationComplete insurance guide for DeSoto, Texas residents. Learn about weather risks, flood coverage needs, auto rates, and how to save on home insurance in 2026.
DeSoto's location in tornado alley and high hail exposure drive up insurance costs. The area has experienced 126 hail events detected by radar in the past year alone, and insurance companies price policies based on these documented weather risks. Dallas County homes also tend to have higher values, requiring more dwelling coverage, which increases premiums proportionally.
Yes, standard home insurance policies don't cover flood damage at all. Even if you're not in a designated high-risk flood zone, you should consider flood insurance—many flood claims happen in moderate and low-risk areas. Flood coverage is available through the National Flood Insurance Program or private insurers, typically costing $400-$800 annually for basic coverage in DeSoto.
A new roof can significantly lower your premiums, especially if you choose Class 4 impact-resistant shingles. Most insurers offer discounts of 10-30% for impact-resistant roofing because these roofs perform much better during hail storms. Conversely, roofs older than 15 years often face coverage restrictions or higher premiums due to increased claim likelihood.
Replacement cost pays to rebuild or replace damaged property with new materials at current prices, while actual cash value deducts depreciation from the payout. For example, if your 15-year-old roof gets damaged, replacement cost covers a new roof, but actual cash value only pays what your old roof was worth—maybe 30-40% of replacement cost. Always choose replacement cost coverage for both dwelling and personal property.
Not necessarily. Filing multiple small claims can lead to non-renewal or rate increases. If damage is less than your deductible plus about $1,000, paying out of pocket often makes more sense. Get a professional roof inspection after major hail events to document damage, but consider the long-term cost of filing before submitting minor claims.
Increase your deductible to $2,500 or higher, bundle home and auto policies with the same insurer, install a monitored security system, and upgrade to impact-resistant roofing when replacing your roof. Shopping around every 2-3 years also helps, as insurance rates change frequently and companies that were expensive before may now offer competitive pricing.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network