Alton Bell Insurance Services LLC
3917 High Trail Ct., Flower Mound, TX 75022
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Flower Mound households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3917 High Trail Ct., Flower Mound, TX 75022
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4961 Long Prairie Rd, #140, Flower Mound, TX 75028
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2201 Long Prairie Rd, Ste 107-725, Flower Mound, TX 75028
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2601 Churchill Dr, STE 101, Flower Mound, TX 75028
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1013 Long Prairie Rd, Ste 102, Flower Mound, TX 75022
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2221 Justin Rd Ste 119-448, Flower Mound, TX 75028
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2416 Warwick Avenue, Flower Mound, TX 75028
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1111 Test St, Flower Mound, TX 75028
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3535 Firewheel Dr, # A, Flower Mound, TX 75028
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Learn about insurance coverage options specific to Flower Mound residents.
Flower Mound homeowners face severe hail, tornado risk, and lake flooding. Learn about wind/hail deductibles, coverage needs, and costs in North Texas.
Car InsuranceFlower Mound drivers pay $173/month average for auto insurance. Learn about Texas 30/60/25 requirements, FM 2499 traffic risks, and how to save on coverage.
General Insurance EducationComplete insurance guide for Flower Mound, TX residents. Learn about homeowners rates, flood risks near Grapevine Lake, auto coverage needs, and cost-saving tips.
Yes, absolutely. Standard homeowners insurance excludes all flood damage, whether from lake flooding, flash floods, or sustained rainfall. If you're in a FEMA-designated flood zone, your mortgage lender will require flood insurance through the National Flood Insurance Program or a private insurer. Even outside high-risk zones, flood coverage is worth considering given Flower Mound's Flash Flood Alley location and proximity to Grapevine Lake flood control operations.
A 2% wind and hail deductible means you pay 2% of your dwelling coverage amount out of pocket before insurance covers hail or wind damage. For a home insured at $400,000, that's $8,000 you'll pay for roof repairs after a hailstorm. This is separate from and typically much higher than your standard deductible for other perils. Most North Texas insurers now require these percentage-based deductibles due to frequent severe weather.
Shop quotes from multiple insurers—homeowners can save up to $444 by comparing rates. Install impact-resistant Class 4 roofing for premium discounts. Add home security systems, smoke detectors, and storm shutters. Increase your standard deductible if you can afford it. Bundle home and auto insurance with the same carrier. Ask about discounts for being claims-free, having a newer roof, or living close to fire stations.
Yes, standard homeowners insurance covers tornado damage under the wind peril in your policy. However, you'll typically pay your wind/hail deductible, which is percentage-based and often higher than your standard deductible. Coverage includes damage to your dwelling, other structures, and personal property, plus additional living expenses if your home becomes uninhabitable. Make sure your dwelling coverage is sufficient to rebuild completely.
Not necessarily. Only file claims when damage exceeds your wind/hail deductible by a meaningful amount. Multiple claims can increase your premiums or lead to non-renewal. Have a trusted roofer inspect for damage after severe storms, but be wary of storm chasers who exaggerate damage. Document everything with photos and get multiple estimates before filing. If damage is minor and close to your deductible amount, paying out of pocket often makes more financial sense long-term.
Flower Mound homeowners pay $1,103 to $4,600 annually, averaging around $3,600 per year or about $300 monthly. This is slightly above the Texas average due to high property values and severe hail exposure. Statewide, Texas has the 5th highest insurance premiums in the country, with rates increasing 54.4% from 2019 to 2024. Your specific rate depends on dwelling coverage amount, deductible levels, roof age, and claims history.
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