Complete Health Plans: Health And Life Insurance In Texas, US
669 Airport Fwy, Hurst, TX 76053
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Hurst households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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669 Airport Fwy, Hurst, TX 76053
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669 Airport Freeway, Suite 203, Hurst, TX 76053
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1050 W Pipeline Rd, Ste 201, Hurst, TX 76053
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Learn about insurance coverage options specific to Hurst residents.
Hurst homeowners pay $4,101/year for insurance due to hail and tornado risks. Get coverage tips, cost-saving strategies, and claim advice for 2026.
Car InsuranceUnderstand Texas's 30/60/25 auto insurance requirements for Hurst drivers. Learn why minimum coverage may not be enough on SH-121 and I-30.
General Insurance EducationComplete insurance guide for Hurst, TX covering auto, home, flood, and renters insurance. Learn about Texas requirements and Tornado Alley risks.
Hurst homeowners pay an average of $4,101 annually for home insurance with $300,000 in dwelling coverage, which breaks down to about $342 per month. Your actual cost depends on your home's age, value, roof condition, deductible, and claims history. Homes built in the 1970s with older roofs typically face higher premiums due to increased vulnerability to hail damage.
Yes, standard homeowners insurance in Texas covers wind and hail damage, including damage from tornadoes. This is critical for Hurst residents since the DFW metroplex is one of the most hail-prone regions in the United States and sits directly in Tornado Alley. However, flood damage from heavy rains is not covered and requires separate flood insurance.
Document all damage with photos and videos before making any repairs, then contact your insurance company within 24-48 hours to file a claim. Check your roof, siding, windows, and outdoor structures for damage. After major storms like the June 2025 hailstorm, insurers get overwhelmed with claims, so filing early gets you faster service. Keep detailed records of all communications with your insurer and be cautious of storm chasers offering immediate repairs.
Shop around and compare quotes from at least three insurers, as rates vary significantly. Consider raising your deductible from $1,000 to $2,500 to save 15-20% annually. Install impact-resistant Class 4 roofing shingles for 10-30% discounts, and bundle your home and auto insurance for multi-policy discounts of 10-25%. Upgrading older electrical, plumbing, and HVAC systems in homes built during the 1970s can also reduce premiums.
While not required for all homes, flood insurance is worth considering since severe thunderstorms and tornadoes can cause flash flooding, and Tarrant County faces increasing flood risks due to climate change. Standard homeowners insurance does not cover flooding from rising groundwater or overwhelmed drainage systems. Check FEMA flood maps to see your home's flood risk, and consider purchasing a policy through the National Flood Insurance Program or a private insurer.
Texas ranks fifth nationally for home insurance costs due to extreme weather risks including hurricanes, hailstorms, tornadoes, and ice storms. The state experienced 1,243 hailstorms between 2012 and 2021, with single events causing up to $2 billion in damages. Texas rates have increased 54% from 2019 to 2024, and insurers pass these massive claim payouts to policyholders through higher premiums across the entire high-risk region.
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