A Friend Insurance
3330 N Galloway Ave, #270, Mesquite, TX 75150
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Mesquite households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3330 N Galloway Ave, #270, Mesquite, TX 75150
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18601 Lyndon B Johnson Fwy, Ste 722, Mesquite, TX 75150
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600 South Bryan Belt Line Road, Mesquite, TX 75149
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225 W Cartwright Rd B1, Mesquite, TX 75149
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801 Kearney, Ste 101, Mesquite, TX 75149
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801 W Kearney St, Ste 101, Mesquite, TX 75149
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3501 Gus Thomasson Rd, Ste 25, Mesquite, TX 75150
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18601 LBJ Freeway, Suite 140, Mesquite, TX 75150
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3430 Sorrento Dr, Mesquite, TX 75150
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3330 N Galloway Ave Ste 304-62, Mesquite, TX 75150
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Learn about insurance coverage options specific to Mesquite residents.
Mesquite homeowners pay $2,048/year for insurance—below TX average. Learn about hail damage coverage, tornado risks, and how to protect your home.
Car InsuranceMesquite drivers pay $1,800-$2,200/year for full coverage. Learn how your Dallas commute affects rates and how to save on Texas auto insurance.
General Insurance EducationEssential insurance guide for Mesquite residents covering Texas auto requirements, tornado/hail home protection, flood risks, and coverage costs in 2025.
Car InsuranceMesquite drivers pay 54% more than the Texas average. Learn why I-30/I-635 traffic, uninsured drivers, and at-fault laws affect your coverage needs.
The average home insurance premium in Mesquite is approximately $2,048 per year, which is significantly lower than the Texas state average of $3,851. Your actual cost will depend on your home's age, construction type, roof condition, coverage limits, and deductibles. Homes with impact-resistant roofing and updated systems typically qualify for lower rates.
Most standard homeowners policies in Texas cover wind and hail damage, including tornadoes, but you need to verify this in your specific policy. Some insurers now exclude hail damage or require a separate wind/hail deductible that's higher than your standard deductible—often 1% to 2% of your dwelling coverage. Read your policy declarations page carefully and ask your agent to confirm your wind and hail coverage.
Texas experienced record severe weather in 2024, with 878 major hail events and 169 tornadoes—more than any other state. These storms generated billions in insurance claims. Additionally, construction costs have risen 35% since 2020, making repairs and rebuilds more expensive. Insurance companies are responding by raising rates dramatically, with Texas homeowners seeing an average increase of 28.1% in 2024.
Standard homeowners insurance doesn't cover flooding, so if you want protection against flood damage, you need a separate flood insurance policy. Even if your home isn't in a designated flood zone, consider coverage—extreme rainfall events are becoming more common in North Texas, and flood insurance is relatively affordable through the National Flood Insurance Program or private carriers.
Non-renewals have more than doubled in Texas recently as insurers pull back from high-risk areas. Start shopping for a new policy immediately—don't wait until your current coverage expires. Get quotes from multiple carriers and consider working with an independent agent who can access several insurance companies. If you can't find coverage in the standard market, the Texas FAIR Plan provides last-resort coverage, though it's more expensive and offers limited protection.
Install impact-resistant roofing, upgrade your electrical and plumbing systems, add a security system, and maintain a claims-free history. Increasing your deductible can lower your premium, though make sure you can afford the higher out-of-pocket cost if you need to file a claim. Bundling your home and auto insurance with the same carrier often qualifies you for a multi-policy discount. Ask your agent about all available discounts and compare quotes from at least three insurers.
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