Charles Tomberlain Insurance Agency
424 N High St, Longview, TX 75601
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424 N High St, Longview, TX 75601
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424 N High Street, Longview, TX 75601
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410 E Loop 281, Longview, TX 75605
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1121 Judson Rd, Ste 141B, Longview, TX 75601
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1125 Judson Rd, Suite 114, Longview, TX 75601
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Learn about insurance coverage options specific to Longview residents.
Longview home insurance costs $4,585/year on average. Learn about tornado & hail coverage, wind deductibles, and smart strategies to protect your home.
Car InsuranceLongview drivers pay 15% less than Texas average. Learn about 30/60/25 minimums, I-20 risks, and why basic coverage may not be enough in this at-fault state.
Yes, standard homeowners insurance policies cover tornado damage as part of windstorm protection. This includes damage to your home's structure, roof, windows, and your personal belongings. However, you'll need to pay your wind/hail deductible (typically 1-5% of your dwelling coverage) before insurance kicks in, which can be significantly higher than your standard deductible.
Texas home insurance costs nearly double the national average primarily due to severe weather exposure. Between 2022 and 2023, premiums jumped 21% as insurers dealt with record hail and wind damage claims. Longview's location in East Texas means frequent exposure to tornadoes, damaging hailstorms, and 100-mph thunderstorm winds, all of which drive up insurance costs.
Standard homeowners policies don't cover flood damage at all. If heavy rainfall causes water to enter your home, you need a separate flood insurance policy through the National Flood Insurance Program or a private carrier. Given East Texas's tendency for heavy rainfall events, flood coverage is worth considering even if you're not in a designated flood zone.
Actual cash value pays for repairs minus depreciation, meaning a 15-year-old roof destroyed by hail might only get 50% coverage. Replacement cost coverage pays to rebuild or replace damaged property without depreciation deductions. Replacement cost policies cost more upfront but save you from massive out-of-pocket expenses when filing claims for roof or structural damage.
Your dwelling coverage should reflect what it would cost to rebuild your home today, not your purchase price or market value. With median home values around $229,516 but construction costs potentially higher, work with your agent to calculate actual replacement cost. Many Longview homes were built in 1978 or earlier, and older construction can cost more to rebuild to current code standards.
Bundling home and auto insurance typically saves 15-25%. Security systems, monitored fire alarms, and storm shutters can reduce premiums by 5-15%. Upgrading your roof, electrical, or plumbing systems in older homes qualifies for additional discounts. Raising your standard deductible from $1,000 to $2,500 can cut premiums by 10-20%, though make sure you have that amount saved first.
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