Question 1

Why is homeowners insurance so expensive in Fort Worth?

Accepted Answer

Fort Worth's high insurance costs are driven primarily by severe weather risk. Texas led the nation in hail events and tornadoes in 2024, and insurers paid out billions in storm damage claims. Fort Worth sits in Tornado Alley, which means frequent hail, windstorms, and tornadoes that damage roofs and structures. Combined with rising construction costs and increased claim frequency, insurers have raised rates significantly—Texas homeowners saw a 23.3% rate increase in recent years, one of the highest in the country.

Question 2

How does my roof age affect my Fort Worth home insurance rates?

Accepted Answer

Roof age is one of the most critical factors in your Fort Worth insurance rates. Most insurers require inspections for roofs 15-20 years old and may refuse to write new policies for roofs over 20 years old. If your roof exceeds these age limits, insurers often switch from replacement cost coverage to actual cash value, meaning they'll only pay the depreciated value of your roof after storm damage. A new roof typically qualifies for better rates and full replacement cost coverage, potentially saving you thousands on both premiums and future claims.

Question 3

Do I need separate wind and hail coverage in Fort Worth?

Accepted Answer

No, you don't need to purchase wind and hail coverage separately in Fort Worth. If you live anywhere in Texas except along the coast, your standard homeowners policy automatically includes wind and hail coverage. However, you'll typically have a separate percentage-based deductible for wind and hail claims—often 1% to 5% of your home's insured value—rather than your standard flat deductible. Make sure you understand your wind/hail deductible amount and can afford it if a storm hits.

Question 4

Is Fort Worth home insurance cheaper than Dallas?

Accepted Answer

Fort Worth home insurance is often slightly less expensive than Dallas, though the difference varies by insurer and data source. Some 2024 data shows Fort Worth averaging around $4,087-$5,335 annually while Dallas averages $4,945-$5,045 for comparable coverage. The rates are close enough that your specific home characteristics—roof age, construction type, claims history—matter more than which city you're in. Both cities face the same severe weather risks and significantly higher rates than the national average.

Question 5

What discounts are available for Fort Worth homeowners?

Accepted Answer

Common discounts in Fort Worth include bundling home and auto insurance (often 15-25% savings), installing monitored security or fire alarm systems, having a new roof or impact-resistant roofing materials, maintaining a claims-free history for 3-5 years, and living in a gated community. New construction homes typically receive lower base rates due to modern building codes and materials. Brick veneer construction may save you up to 10% compared to frame construction. Ask every insurer about their specific discounts, as availability varies significantly.

Question 6

Are insurance companies leaving Fort Worth?

Accepted Answer

Many major insurers have temporarily stopped accepting new homeowners policies in the Dallas-Fort Worth area due to severe weather losses, though they're generally continuing to renew existing customers. Non-renewal complaints more than doubled between 2023 and 2024, and some insurers are dropping customers based on future hail risk predictions. However, regional and Texas-based carriers are often still writing new business. This makes shopping around more important than ever—you may need to contact multiple companies to find coverage, but options are still available for most homeowners.

Insurance Agents in Fort Worth, Texas (TX)

Insurance agencies serving Fort Worth

Armor Texas Insurance Agency, Inc.

B&M Agency

Insurance Agents in Fort Worth, Texas (TX)

Insurance agencies serving Fort Worth

Armor Texas Insurance Agency, Inc.

B&M Agency

Casmar Insurance Agency

Cattle Raisers Insurance

Cattle Raisers Insurance

Converse Insurance

Corvel Corporation

Duncan Insurance Group

El Amor Auto Insurance

Fort Worth Lay And Williams Health Insurance Services

Insurance Guides for Fort Worth

Homeowners Insurance Costs in Fort Worth

Home Insurance in Fort Worth

Tornado Insurance in Fort Worth

Auto Insurance in Fort Worth

Car Insurance Rates in Fort Worth: What Drivers Pay

Car Insurance in Fort Worth

Frequently asked questions