Cold Creek Insurance, Inc.
1701 W Northwest Hwy, Suite 100, Grapevine, TX 76051
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1701 W Northwest Hwy, Suite 100, Grapevine, TX 76051
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1000 Texan Trl, Ste 105, Grapevine, TX 76051
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1701 W Northwest Hwy, Suite 100, Grapevine, TX 76051
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2717 Brittany Ln, Grapevine, TX 76051
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431 E Northwest Hwy, Grapevine, TX 76051
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629 W College St, Grapevine, TX 76051
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Learn about insurance coverage options specific to Grapevine residents.
Complete guide to auto, home, and flood insurance in Grapevine, TX. Get rates 13% below Texas average, compare local agents, and save on coverage.
Home InsuranceGrapevine home insurance averages $1,564/year. Learn about hail coverage, historic home protection, Lake Grapevine flood zones, and how to save on premiums.
Car InsuranceGrapevine, Texas auto insurance guide: Learn about 30/60/25 minimums, at-fault laws, DFW traffic impacts, and how to get the right coverage in Tarrant County.
It depends on your mortgage and flood zone designation. If you have a federally-backed mortgage and your home is in a FEMA high-risk flood zone (A or V zones), flood insurance is mandatory. Even if you're not required to carry it, about 25% of flood claims come from moderate to low-risk areas, so consider purchasing coverage anyway. Check your property's flood zone on FEMA's Flood Map Service Center to determine your risk level.
Grapevine drivers pay about 13% less than the Texas state average. Most car owners pay around $59 per month, while SUVs cost about $64 monthly and trucks run around $54 per month. For minimum liability coverage, expect around $116 per month, while full coverage averages $132 monthly. These rates are also about $20 below the national average.
Texas law requires all drivers in Grapevine to carry minimum liability coverage of 30/60/25. That means $30,000 per person for bodily injury, $60,000 per accident for multiple injuries, and $25,000 for property damage. These minimums often aren't enough for serious accidents, so most financial advisors recommend higher limits to protect your assets.
Weather risks drive up premiums in Grapevine. The city sits in the path of severe thunderstorms, tornadoes, and hailstorms that frequently hit North Texas, especially in spring. High winds and hail cause significant roof and property damage, which insurance companies factor into pricing. The average homeowners policy in Grapevine costs $1,564-$1,643 annually.
No. New Texas legislation passed in 2025 prohibits insurers from requiring you to bundle home and auto policies as a condition of coverage. However, voluntarily bundling your policies can still save you 15-25% on premiums, so it's often worth doing by choice rather than requirement.
Bundle your home and auto policies to save 15-25%, maintain a claims-free history for discounts, install security systems or smart home devices, and shop around every few years to compare rates. Consider raising your deductibles to lower premiums, and pay small repairs out of pocket to avoid rate increases from minor claims.
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