Coffee Insurance Agency
309 E Yeagua St, Groesbeck, TX 76642
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Groesbeck households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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309 E Yeagua St, Groesbeck, TX 76642
View this agency's profile to learn more about their services.
401 E Yeagua St, Groesbeck, TX 76642
View this agency's profile to learn more about their services.
404 E Yeagua St, Groesbeck, TX 76642
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Groesbeck residents.
Groesbeck home insurance guide: tornado coverage, wind/hail deductibles, costs averaging $2,500-$3,500, and savings tips for Limestone County homeowners.
Car InsuranceGet the right auto insurance in Groesbeck, Texas. Understand Texas's 30/60/25 minimums, at-fault rules, and why uninsured motorist coverage matters.
General Insurance EducationComprehensive insurance guide for Groesbeck, TX residents. Learn about home, auto, flood, and life insurance costs, coverage needs, and local considerations.
Yes, standard homeowners insurance policies in Groesbeck cover tornado damage as wind damage. You don't need a separate tornado policy. However, you'll have a percentage-based wind and hail deductible (typically 1-3% of your dwelling coverage) that you must pay out-of-pocket before coverage begins. For a $200,000 home with a 2% deductible, you'd pay $4,000 before insurance covers the rest.
While the Texas average is around $4,585 annually in 2025, Groesbeck homeowners typically pay less due to the town's affordable housing market with median home prices around $199,450. Most Groesbeck residents can expect premiums in the $2,500-$3,500 range for standard coverage, though your actual rate depends on your home's age, construction type, claims history, and coverage choices.
Standard homeowners policies never cover flood damage, so if you're near the Navasota River or Fort Parker Lake, flood insurance is worth considering. If you're in a designated flood zone, your mortgage lender will require it. Even if you're not in a flood zone, flooding can happen anywhere, and NFIP policies typically start around $400-$700 annually for basic coverage.
Your regular deductible (usually $500-$2,500) applies to most claims like fire, theft, or water damage. Your wind/hail deductible is separate and calculated as a percentage of your dwelling coverage (1-3% typically). Many Texas homeowners don't realize these are different until they file a storm claim and discover they owe much more out-of-pocket than expected.
Shop around and get quotes from at least three insurers, as rates can vary significantly. Bundle your home and auto insurance for 15-25% discounts, install security systems and wind-resistant features, raise your standard deductible to $1,000-$2,500, maintain good credit, and review your policy annually instead of auto-renewing. These strategies combined can save hundreds to over $1,000 per year.
Texas has experienced 68 separate billion-dollar disasters in the last five years, leading to massive insurance payouts. Rates jumped 21% in 2023 and 19% in 2024, with the state average now more than double the national average. Severe weather, inflation in construction costs, and increased claims frequency are all driving premiums higher across Texas, including in Groesbeck.
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