Protection Insurance Agency
1020 Washington St, Suite F, Laredo, TX 78040
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1020 Washington St, Suite F, Laredo, TX 78040
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6909 Springfield Ave, Ste 104, Laredo, TX 78041
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4815 San Bernardo Ave, Laredo, TX 78041
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2201 San Salvador St, Laredo, TX 78046
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604 Shiloh Dr Ste 2 & 3, Laredo, TX 78045
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5219 McPherson Rd. Ste. 212 Inside Falcon Bank 2nd, Floor, Laredo, TX 78041
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5219 McPherson Rd, Ste 212, Laredo, TX 78041
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Learn about insurance coverage options specific to Laredo residents.
Laredo home insurance costs $1,300-1,900/year. Learn about extreme heat risks, flood coverage, and how to lower rates in South Texas's unique market.
Car InsuranceLaredo car insurance averages $204/month. Learn about cross-border coverage, Mexican insurance requirements, and how to save on border-city premiums.
General Insurance EducationComplete insurance guide for Laredo, TX. Learn about Texas 30/60/25 requirements, cross-border Mexico coverage, and why Laredo rates are lower.
Car InsuranceLaredo auto insurance costs $1,400-$2,000/year. Learn about Texas 30/60/25 requirements, Mexico coverage needs, and how border traffic affects your rates.
Even if you're not in a FEMA-designated high-risk flood zone, consider buying flood insurance. About 27% of Laredo buildings face significant flood risk, and climate change is increasing precipitation intensity across Texas. Flood insurance in moderate-to-low risk areas typically costs $400-$600 annually through FEMA's National Flood Insurance Program or private carriers. Since standard homeowners insurance doesn't cover flooding at all, this relatively small cost can save you from catastrophic out-of-pocket losses.
Texas experienced $64.4 billion in insurance losses in 2024—the second-highest in the nation—and insurers spread those costs across all policyholders. Even if your home has never had a claim, you're paying for the collective risk of severe storms, wildfires, and other disasters across Texas. Additionally, rising construction and labor costs mean it's more expensive to rebuild homes, which increases everyone's premiums. Texas home insurance rates increased 19% in 2024 and 21% in 2023.
Extreme heat can damage your roof, strain your HVAC system, and cause foundation issues from soil expansion and contraction, but most policies won't cover these as sudden insured losses. Your policy typically covers sudden, accidental damage—not gradual wear and tear from heat exposure. However, if extreme heat contributes to a covered peril (like a roof failure during a storm after years of heat damage weakened it), that might be covered depending on your policy terms and the adjuster's determination.
Homes built before 1980 often face higher premiums or coverage restrictions because older construction doesn't meet modern building codes. Some insurers won't write new policies on homes with roofs older than 15-20 years without inspection or won't cover homes with outdated electrical or plumbing systems. However, you can improve your insurability by upgrading your roof, electrical panel, or HVAC system—and these improvements may qualify you for discounts that offset the upgrade costs over time.
Replacement cost coverage pays to rebuild your home at today's construction prices without deducting for depreciation—if it costs $250,000 to rebuild, that's what you get. Actual cash value deducts depreciation based on your home's age and condition, which can leave you significantly short. For example, if your 20-year-old roof is destroyed, actual cash value might only pay 40% of replacement cost. Always choose replacement cost coverage for both your dwelling and personal property.
Bundling your home and auto insurance with the same carrier typically saves 10-20% on your combined premiums, which can mean hundreds of dollars annually. However, don't assume bundling is always cheapest—sometimes buying from separate carriers costs less overall. Get quotes both ways: bundled from 2-3 carriers, and separate home and auto policies from multiple companies. Compare the total annual cost and coverage quality before deciding.
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