Cordial Insurance Group LLC
5001 Rowlett Rd, Ste 200, Rowlett, TX 75088
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Rowlett households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5001 Rowlett Rd, Ste 200, Rowlett, TX 75088
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8602 Lakeview Parkway, # East, Rowlett, TX 75088
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8602 Lakeview Pkwy E, Rowlett, TX 75088
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5105 Martin Dr, Rowlett, TX 75088
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5706 Antioch Dr, Rowlett, TX 75089
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3416 Enterprise Drive, #1767, Rowlett, TX 75088
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3402 Enterprise Dr, Rowlett, TX 75088
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Learn about insurance coverage options specific to Rowlett residents.
Everything Rowlett residents need to know about auto, home, and boat insurance—from tornado coverage to Lake Ray Hubbard watercraft protection. Get local rates.
Home InsuranceRowlett home insurance costs $1,162-$1,531/year. Learn about tornado coverage, flood insurance for Lake Ray Hubbard homes, and lessons from the 2015 EF-4.
No, you don't need separate tornado insurance. Tornado damage is typically covered under the wind/hail portion of your standard Texas homeowners insurance policy. However, check your wind and hail deductible—many policies have higher percentage-based deductibles for these perils. After the 2015 EF4 tornado, make sure your dwelling coverage is high enough to rebuild completely.
It depends on your specific location and mortgage lender requirements. Most of Rowlett isn't in a high-risk flood zone, but properties directly on the lake or in low-lying areas may require flood insurance if you have a federally backed mortgage. Even if not required, it's worth considering since standard homeowners policies exclude flood damage.
Most experts recommend liability coverage of at least $300,000 for boat insurance, with physical damage coverage equal to your boat's replacement value. Lake Ray Hubbard is a busy recreational lake, and accidents can result in significant injury or property damage claims. Consider higher liability limits if you have substantial assets to protect.
Dallas County has higher auto insurance rates due to increased traffic density, more frequent accidents, and higher vehicle theft rates compared to rural areas. Rowlett residents often commute into Dallas on I-30 or the Bush Turnpike, and insurers factor in that exposure to busy metro traffic when setting rates.
Yes, and you should explore this option. Most insurance companies offer multi-policy discounts of 15-25% when you bundle home and auto insurance. Adding boat insurance to the same policy can increase your savings even more. Get quotes from multiple insurers to compare bundle pricing.
Look for an independent agent who represents multiple insurance companies and understands local risks like severe weather and lake property considerations. They should be able to explain wind/hail deductibles, help you determine adequate dwelling coverage, and guide you through claims if disaster strikes like the 2015 tornado.
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