Professional Insurance Executives
310 E. Interstate 30 Suite, # M109, Garland, TX 75043
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Garland 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.
310 E. Interstate 30 Suite, # M109, Garland, TX 75043
View this agency's profile to learn more about their services.
2425 W Walnut St, # 216, Garland, TX 75042
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Garland residents.
Garland homeowners pay $3,583-$3,990/year for insurance due to severe hail and wind risk. Get quotes, understand Lake Ray Hubbard flood zones, and save.
Car InsuranceGarland drivers pay $187/month average for car insurance. Learn how LBJ Freeway commutes affect rates and discover discounts to lower your costs.
General Insurance EducationComplete insurance guide for Garland, TX residents. Learn about auto requirements, homeowners coverage, flood risks near Lake Ray Hubbard, and how to save.
Car InsuranceGarland drivers need more than TX's 30/60/25 minimum. Learn about I-635 risks, uninsured motorists, and coverage that protects you on LBJ Freeway.
The average home insurance premium in Garland ranges from $3,583 to $3,990 per year, or about $299 per month. However, rates vary significantly based on your home's age, value, roof condition, and coverage limits. Some homeowners pay as little as $280 annually while others pay over $4,000, so shopping around is essential.
Yes, standard homeowners insurance doesn't cover flood damage. About 15% of Lake Ray Hubbard waterfront properties are in FEMA flood zones, requiring separate flood insurance if you have a mortgage. Even if you're not in a high-risk zone, flood coverage is wise for waterfront homes. NFIP policies have a 30-day waiting period, so plan ahead.
Garland's elevated insurance costs stem from severe weather exposure. The city experiences frequent large hail events, straight-line winds up to 95 mph, and tornado risk during spring and summer. In the past year alone, Garland had 26 hail reports and 64 severe weather warnings. These frequent claims drive up premiums for all homeowners in the area.
Yes, roof age significantly impacts your coverage and cost. Many Garland homes were built around 1978, and insurers view older roofs as high-risk for hail and wind damage. If your roof is over 15 years old, expect higher premiums, required inspections, or limited coverage. Some insurers won't offer full replacement cost coverage on roofs older than 20 years.
The biggest discounts come from bundling home and auto insurance (15-25% savings), installing impact-resistant Class 4 roofing (10-20% off), and adding security systems or monitored alarms. Other savings include claims-free discounts, new home discounts, and simple upgrades like deadbolts and smoke detectors. Always ask your insurer for a complete discount list.
Review your policy annually before renewal. Texas home insurance rates increased 21% in 2023 and 19% in 2024, making the market highly volatile. Your home's value may have changed, your current insurer may have raised rates significantly, or competitors may offer better deals. Set a yearly reminder to compare quotes and ensure adequate coverage.
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