Eastman Insurance Solutions - Texas
111 Greenhill Ln, Rockwall, TX 75087
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111 Greenhill Ln, Rockwall, TX 75087
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110 Hill Ln, Rockwall, TX 75087
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6130 S FM 549, Rockwall, TX 75032
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1650 John King Blvd, Suite A, Rockwall, TX 75032
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107 N. Goliad St., Rockwall, TX 75087
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2701 Sunset Ridge Dr, Suite 302, Rockwall, TX 75032
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2931 Ridge Road, Ste 101, Rockwall, TX 75032
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510 Turtle Cove Blvd, Suite 103, Rockwall, TX 75087
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560 E Interstate 30, Ste 110, Rockwall, TX 75087
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720 E I-30, Rockwall, TX 75087
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Learn about insurance coverage options specific to Rockwall residents.
Rockwall home insurance averages $1,893-$2,375/year. Learn about hail damage coverage, Lake Ray Hubbard flood risks, and how to save on premiums.
Car InsuranceRockwall drivers pay $146/month on average for car insurance. Learn how your affluent zip code, I-30 commute, and lake lifestyle affect your rates.
Car InsuranceRockwall drivers pay $146/month on average. Learn about Texas's 30/60/25 minimums, I-30 risks, and how to get better coverage for Lake Ray Hubbard commutes.
General Insurance EducationComplete insurance guide for Rockwall residents covering auto, home, and Lake Ray Hubbard flood coverage. Learn Texas requirements and save money.
The average home insurance premium in Rockwall ranges from $1,893 to $2,375 per year, depending on your home's age, construction type, coverage limits, and credit score. This is below the Texas state average of $3,851, but rates have been increasing significantly—Texas saw a 19% rate increase in 2024 following a 21% jump in 2023. Shopping multiple carriers can save you an average of $870 annually.
Yes, you should strongly consider flood insurance if your home is near Lake Ray Hubbard. Standard homeowners insurance policies do not cover flood damage, and waterfront properties face risks from heavy rainfall, storm surge, and lake overflow. Even if you're not in a designated flood zone, flooding can occur during severe weather events that are common in Rockwall.
Yes, installing Class 4 impact-resistant roofing typically qualifies you for insurance discounts of 10-30% in Rockwall. Given the area's severe hail exposure—with golf ball-sized hail reported multiple times in 2024—this upgrade can save you $200-600 annually on a typical policy while providing better protection against storm damage. Many homeowners find the roof pays for itself through reduced premiums and fewer claims.
Home age significantly impacts insurance costs in Rockwall. Homes over 30 years old pay up to 61% more than new construction—an average of $814 extra per year. Homes less than 30 years old still pay about 40% higher rates than brand-new homes. This is because older homes have aging roofs, plumbing, and electrical systems that are more vulnerable to weather damage and more expensive to repair.
Rockwall faces three primary weather risks: severe hail storms, tornadoes, and flooding near Lake Ray Hubbard. The area has been under severe weather warnings 39 times in the past 12 months, with Doppler radar detecting hail 95 times in recent years. In May 2024, a storm brought 80-mph winds and half-dollar-sized hail that damaged hundreds of homes. Rockwall County averages 0.2 tornadoes annually, with April being the peak month.
Absolutely. Rockwall's median home value reached $567,000 in late 2024, up 14.5% from the previous year, and construction costs rose 19% in 2024 alone. Your dwelling coverage should reflect current rebuilding costs, not your home's market value or what you originally paid. Review this number annually to avoid being underinsured—if rebuilding costs exceed your coverage limit, you'll pay the difference out of pocket.
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