Addison Insurance Group
7701 W Eldorado Pkwy, Ste 400, McKinney, TX 75070
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7701 W Eldorado Pkwy, Ste 400, McKinney, TX 75070
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7701 Eldorado Pkwy, Ste 400, McKinney, TX 75070
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208 W University Dr, McKinney, TX 75069
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300 N McDonald St, Unit 1118, McKinney, TX 75069
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120 W Virginia St, Ste 200, McKinney, TX 75069
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300 E Davis St, Ste 106, McKinney, TX 75069
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300 Davis St, Suite 106, McKinney, TX 75069
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5050 Collin McKinney Pkwy, Ste 204, McKinney, TX 75070
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3313 Wycliff Ave, McKinney, TX 75071
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6800 Weiskopf Avenue, Suite 150, McKinney, TX 75070
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Learn about insurance coverage options specific to Mckinney residents.
McKinney home insurance costs $2,000-$3,000/year. Learn how new construction, impact-resistant roofing, and hail coverage affect your rates.
Car InsuranceMcKinney auto insurance guide: TX minimums, hail damage coverage, US-75 commuter risks, and local rates. Get the protection you need in this fast-growing Dallas suburb.
General Insurance EducationComplete McKinney insurance guide covering Texas 30/60/25 requirements, hail protection, and rising homeowners costs. Expert advice for residents.
Car InsuranceMcKinney drivers pay $1,869/year for full coverage. Learn about hail damage coverage, bundling discounts, and how to save on car insurance in Collin County.
Most McKinney homeowners pay between $2,000 and $3,000 per year for home insurance, though rates vary significantly based on factors like home age, credit score, and coverage levels. Newer homes can cost up to 60% less to insure than older homes, with savings of around $800 annually. Your specific rate depends on your home's characteristics and your personal profile.
Yes, standard homeowners insurance in McKinney includes coverage for wind and hail damage since the city is not in a coastal area. However, many policies have a separate, higher deductible for wind and hail claims—typically 1-2% of your home's insured value rather than your standard deductible. Check your policy declarations page to understand your specific wind/hail deductible amount.
Yes, Texas law requires insurance companies to offer discounts for Class 4 impact-resistant roofing, and the savings typically range from 10-27% of your annual premium. That translates to $200-$675 per year for most McKinney homeowners. Your roofing contractor must complete TDI Form PC068 to document the installation, and the materials must meet UL 2218 testing standards.
Yes, significantly cheaper in most cases. Newer homes built to modern building codes with updated materials, electrical systems, and roofing can cost up to 60% less to insure than comparable older homes. Many new homes in McKinney's master-planned communities also include features like impact-resistant roofing and smart home systems that qualify for additional discounts.
Call your insurance agent or company immediately to report the damage—timing matters. Document everything with photos and videos before making temporary repairs to prevent further damage, but don't make permanent repairs until the insurance adjuster inspects the property. Keep all receipts for temporary repairs and emergency expenses, as these may be reimbursable under your policy.
Your credit score can impact your McKinney home insurance premium by as much as $924 per year, or about 44% higher rates for those with poor credit compared to good credit. Insurance companies use credit-based insurance scores as a predictor of claim likelihood. Improving your credit can be one of the most effective ways to reduce your premium over time.
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