A & L Insurance Agency LLC
817 S Mill St, Suite 112, Lewisville, TX 75057
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817 S Mill St, Suite 112, Lewisville, TX 75057
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701 S Stemmons Fwy Suite, #210, Lewisville, TX 75067
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405 State Hwy 121, Suite A250, Lewisville, TX 75067
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4400 State Highway 121, Ste 345, Lewisville, TX 75056
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1422 W Main St, Ste 201, Lewisville, TX 75067
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1531 State Hwy 121, #332, Lewisville, TX 75067
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1365 Colby Drive, Suite 103, Lewisville, TX 75077
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1620 FM 544, Suite 400, Lewisville, TX 75056
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1620 Farm To Market Rd 544, Suite 400, Lewisville, TX 75056
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570 S Edmonds Ln, Suite 107, Lewisville, TX 75067
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Learn about insurance coverage options specific to Lewisville residents.
Lewisville home insurance costs $1,800-$2,600/year. Learn how to protect your home from hail, tornadoes & wind, plus save up to 30% with smart upgrades.
Car InsuranceLewisville drivers pay $1,148-$1,188/year for car insurance. Learn about hail coverage, I-35E accident rates, and how to save with bundling discounts.
General Insurance EducationComplete insurance guide for Lewisville, TX residents. Learn about Texas 30/60/25 requirements, hail coverage, flood insurance near Lewisville Lake, and more.
Car InsuranceLewisville auto insurance averages $155-161/month. Learn about Texas 30/60/25 requirements, hail coverage, I-35E risks, and how to save on your policy.
Home insurance in Lewisville typically costs between $1,800 and $2,600 annually, which is below the Texas state average of $3,851. Your actual premium depends on your home's age, construction materials, location, and coverage limits. Homes with impact-resistant roofing and modern safety features typically qualify for lower rates.
Yes, standard home insurance policies in Texas cover hail damage to your dwelling, roof, and other structures. However, many insurers now use separate wind/hail deductibles that can be higher than your standard deductible—often 1-5% of your dwelling coverage amount. This means if your home is insured for $300,000 with a 2% wind/hail deductible, you'd pay $6,000 out of pocket before coverage kicks in.
If you live in a designated flood zone near Lewisville Lake or any area prone to flash flooding, flood insurance is essential because standard homeowners policies exclude flood damage. Even if you're not in a high-risk zone, North Texas flash floods can cause significant damage. A separate flood insurance policy through the National Flood Insurance Program or a private insurer can protect you from these costly events.
Impact-resistant roofing can reduce your annual home insurance premium by 5-30%, with most Texas homeowners saving around 20%. On a $2,000 annual premium, that's $400 saved every year. To qualify for the discount, your contractor must install Class 3 or Class 4 rated shingles and complete Texas Department of Insurance form PC068 to certify the installation.
After severe weather, document all damage with photos and videos before making temporary repairs to prevent further damage (which your policy requires). Contact your insurance company within 24-48 hours to file a claim. Keep receipts for any emergency repairs or temporary housing costs, as these may be covered under your additional living expenses coverage.
Yes, older homes typically cost more to insure because they're more vulnerable to damage and may have outdated electrical, plumbing, or roofing systems. However, you can reduce premiums by updating these systems and providing documentation to your insurer. Homes built before certain building code updates may also face higher wind/hail deductibles unless they've been retrofitted with modern materials.
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