Dixon & Dixon Insurance
750 Wildcat Way, Ste B, Sulphur Springs, TX 75482
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Sulphur Springs households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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750 Wildcat Way, Ste B, Sulphur Springs, TX 75482
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750 Wildcat Way, Ste. B, Sulphur Springs, TX 75482
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306 N Davis, Sulphur Springs, TX 75482
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306 N Davis St, Sulphur Springs, TX 75482
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101 Bill Bradford Rd, Suite 8, Sulphur Springs, TX 75482
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120 E. Jefferson St, Sulphur Springs, TX 75482
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120 Jefferson St E, Sulphur Springs, TX 75482
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Learn about insurance coverage options specific to Sulphur Springs residents.
Get the insurance coverage you need in Sulphur Springs, TX. Compare local agents, understand weather risks, and find the best rates on auto and home insurance.
Home InsuranceSulphur Springs sits in tornado alley with documented EF-2 storms. Learn what coverage you need, average costs, and how to protect your Northeast Texas home.
Car InsuranceSulphur Springs auto insurance guide: TX 30/60/25 minimums, I-30 corridor risks, and typical $900-$2,100/year costs. Get the coverage you need.
If you're in the 100-year flood plain (which covers 28% of Sulphur Springs), absolutely yes—your mortgage lender will require it. Even if you're outside the high-risk zone, consider buying coverage anyway. Hopkins County experiences flooding annually, and about 25% of flood insurance claims come from moderate-to-low risk areas. Standard homeowners policies don't cover flood damage at all.
Texas homeowners insurance has jumped to an average of $6,000-6,500 annually due to three factors: severe weather damage (Texas has had 68 billion-dollar disasters in five years), rising construction and labor costs, and insurance companies withdrawing from high-risk markets. Northeast Texas specifically faces tornado, hail, and flooding risks that drive up premiums across the region.
Independent agents (like Mattison Insurance or Tully Insurance in Sulphur Springs) can quote multiple insurance companies and shop around for your best rate. Captive agents work for one specific company (like Allstate or State Farm) and can only sell that company's products. Independent agents typically give you more options and leverage for pricing.
It depends on your car's value and your financial situation. A good rule of thumb: if your car is worth less than 10 times your annual comprehensive and collision premium, consider dropping those coverages. For example, if you pay $500/year for comp and collision but your car is only worth $3,000, you might be better off self-insuring and saving that $500.
Bundling typically saves 15-25% on your total premium across both policies. On a combined bill of $8,500 per year (roughly $2,500 for auto and $6,000 for home), that's $1,275-2,125 in annual savings. It's the single biggest discount available, and every local agent in Sulphur Springs can help you bundle.
First, document everything with photos and videos before making temporary repairs to prevent further damage (keep receipts—these are reimbursable). Then contact your insurance agent or company immediately to file a claim. Don't wait—Texas law requires insurers to acknowledge your claim within 15 days, but getting your claim filed quickly moves you up in the adjuster queue during major storm events.
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