South Plains Insurance Agency
5313 50th St, Ste C2, Lubbock, TX 79414
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5313 50th St, Ste C2, Lubbock, TX 79414
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12215 Quaker Ave, Lubbock, TX 79424
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5812 66th St, Lubbock, TX 79424
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2702 82nd Street, Suite B, Lubbock, TX 79423
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Learn about insurance coverage options specific to Lubbock residents.
Lubbock home insurance averages $1,900-$2,700/year. Learn how impact-resistant roofing saves up to 35% and protects against haboobs and severe hail.
Car InsuranceLubbock auto insurance averages $1,564/year. Learn about Texas 30/60/25 requirements, dust storm risks, Texas Tech discounts, and finding affordable coverage.
Car InsuranceLubbock drivers pay $1,400-$1,700/year for full coverage. Learn why comprehensive coverage is essential for hail & dust storms, plus discounts to save.
General Insurance EducationComplete insurance guide for Lubbock residents. Learn about Texas requirements, hail coverage, flood protection, and how to save on auto and home insurance.
Yes, standard homeowners insurance policies cover damage from haboobs (dust storms) and the severe thunderstorms that generate them. This includes wind damage to your roof, siding, and windows, as well as damage from flying debris. However, dust infiltration into your HVAC system or interior may not be covered unless the storm created an opening in your home's structure.
Impact-resistant roofing can save you 5-35% on your annual home insurance premium, depending on the class rating and your location within Lubbock County. For a Class 4 roof in a high-hail area, you could save up to $875 annually on a $2,500 premium. Your contractor must complete TDI form PC068 to qualify for the discount.
Lubbock's average premium of $1,900-$2,700 is lower than the Texas state average of $4,789 primarily because the city has lower population density, fewer coastal hurricane risks, and less exposure to flooding compared to major metro areas and coastal regions. However, rates have been rising due to increased hail claims.
Actual cash value pays for your roof minus depreciation based on age, meaning a 15-year-old roof might only get you 50% of replacement cost. Replacement cost coverage pays to install a new roof regardless of your old roof's age. In Lubbock's hail-prone environment, replacement cost coverage is worth the extra premium.
Document everything with photos and videos before making temporary repairs. Cover broken windows or roof damage to prevent further damage (save your receipts—these are typically reimbursable). File your claim within 24-48 hours, and don't sign with a storm-chasing contractor until your adjuster assesses the damage. Many post-storm contractors pressure homeowners into contracts before insurance evaluations are complete.
Often, yes. Many Texas insurers now use percentage-based wind/hail deductibles (1-2% of your home's insured value) instead of the flat-dollar deductible that applies to other claims. On a $300,000 home, a 2% wind/hail deductible means you pay the first $6,000 out of pocket for storm damage, even if your standard deductible is only $1,000.
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