EZ Transportation Insurance Services
6244 Rufe Snow Dr, North Richland Hills, TX 76148; 2611 NE 28th St, Fort Worth, TX 76111, North Richland Hills, TX 76148
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6244 Rufe Snow Dr, North Richland Hills, TX 76148; 2611 NE 28th St, Fort Worth, TX 76111, North Richland Hills, TX 76148
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6244 Rufe Snow Dr, North Richland Hills, TX 76148
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8713 Airport Fwy, #310, North Richland Hills, TX 76180
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4146 Willman Ave, North Richland Hills, TX 76180
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6851 NE Loop 820, #102, North Richland Hills, TX 76180
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Learn about insurance coverage options specific to North Richland Hills residents.
Complete 2025 guide to auto and home insurance in North Richland Hills, Texas. Learn about costs, coverage, hail damage protection, and local agents.
Home InsuranceHome insurance in North Richland Hills averages $2,397-$3,851/year due to hail and tornado risks. Learn about coverage, deductibles, and ways to save.
Car InsuranceNorth Richland Hills auto insurance guide: Texas 30/60/25 requirements, SH-121 & I-820 risks, uninsured driver protection, and how to save on coverage.
Texas requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 total per accident for bodily injury, and $25,000 for property damage. However, most financial experts recommend higher limits, especially if you own a home or have significant assets, since minimum coverage often isn't enough to cover serious accidents.
North Richland Hills sits in Tarrant County, which experiences frequent severe hail storms that cause billions in damage. In June 2023 alone, storms caused $7-10 billion in insured losses across DFW, with 95% from hail. This has driven average home insurance premiums to $2,397-$2,630 annually, well above national averages. Many insurers have also increased deductibles from 1% to 2% for wind and hail damage.
While online quotes are convenient, local agents in North Richland Hills understand specific regional risks like hail damage and know which carriers are still actively writing policies in Tarrant County. They also advocate for you during claims, help you maximize discounts, and review your coverage annually. For complex situations or bundled policies, a local agent's expertise often saves you money and headaches.
Bundle your auto and home policies to save 15-25%, maintain your roof in good condition (insurers charge more for older roofs), consider raising your deductible to lower premiums, install impact-resistant roofing materials, and add security systems. Also shop your insurance every 2-3 years, as rates vary significantly between carriers and staying with one company too long often means you're overpaying.
Standard homeowners insurance doesn't cover flood damage. If you live in a flood zone or near water features, you'll need separate flood insurance through the National Flood Insurance Program (NFIP) or a private carrier. Even if you're not in a high-risk flood zone, severe storms in North Texas can cause unexpected flooding, so it's worth discussing with your agent based on your specific property location.
Market value is what someone would pay to buy your home today, including land. Replacement cost is what it would cost to rebuild your home from scratch if it were destroyed, excluding land value. You should insure your home for replacement cost, which is often higher than market value due to rising construction costs, especially after major storms when contractors are in high demand.
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