MTX Insurance Group
420 Johnson Rd, #104, Keller, TX 76248
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420 Johnson Rd, #104, Keller, TX 76248
View this agency's profile to learn more about their services.
505 Llano Ct, Keller, TX 76248
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Learn about insurance coverage options specific to Keller residents.
Keller home insurance averages $4,101/year in Texas. Learn about hail risks, tornado coverage, and how to protect high-value homes in Tarrant County.
Car InsuranceKeller auto insurance costs average $3,184/year in DFW. Learn Texas 30/60/25 requirements, at-fault rules, and how to save on coverage in this affluent suburb.
General Insurance EducationComplete insurance guide for Keller, Texas residents. Learn about auto, home, and flood coverage requirements, costs, hail risks, and money-saving tips.
While Texas homeowners pay an average of $4,101 annually for $300,000 in dwelling coverage, Keller residents typically pay more due to higher home values (median $621,026). Tarrant County rates range from approximately $884 to $1,197 annually, though actual costs vary significantly based on your specific home's replacement value, coverage limits, deductibles, and the insurer you choose. Shopping around can save you an average of $416.
Yes, standard Texas homeowners insurance policies include wind and hail coverage for properties outside coastal areas. Your dwelling coverage protects your home's structure from hail and tornado damage. However, insurers are increasingly offering actual cash value coverage for roofs instead of full replacement cost, which means you may receive depreciated value. Always verify your policy specifies replacement cost coverage, especially for your roof.
Texas insurance rates increased 54.4% from 2019 to 2024, driven by record-breaking severe weather events and billion-dollar disasters. Texas experienced 1,243 hailstorms from 2012 to 2021 and more than 100 tornadoes in 2024 alone. The Dallas-Fort Worth area, including Keller, sits in "Hail Alley" where storms regularly cause massive damage. Hailstones account for 50-80% of all homeowner claims from severe weather, forcing insurers to raise rates to cover mounting losses.
Guaranteed replacement cost coverage pays whatever it takes to rebuild your home, even if construction costs exceed your policy limit. Extended replacement cost typically covers up to 125% of your dwelling limit. Given Keller's high property values and the volatility of construction costs after major storms, this protection is valuable. It ensures you can fully rebuild without paying thousands out of pocket if labor shortages or material costs spike after a widespread disaster.
Yes, umbrella insurance is worth considering for Keller homeowners. With a median household income of $172,654 and median home values exceeding $620,000, many residents have significant assets to protect. Standard home policies typically include only $100,000 to $300,000 in liability coverage. An umbrella policy extends this into the millions for relatively low cost, protecting you if someone is seriously injured on your property and sues for damages beyond your base policy limits.
Document all damage with photos and videos before making temporary repairs to prevent further destruction. Contact your insurance company immediately to file a claim, as policies require prompt notification. Keep receipts for emergency repairs and temporary housing if your home is uninhabitable. Be cautious of storm chasers who arrive unsolicited after severe weather—get multiple bids, check references, and verify contractors are licensed and insured before authorizing any work.
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