B&M Agency
2601 Scott Ave, #402, Waco, TX 76706
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Waco households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2601 Scott Ave, #402, Waco, TX 76706
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100 N Robinson Dr, Ste A, Waco, TX 76706
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2101 W Waco Dr, Waco, TX 76707
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510 Austin Ave, Suite 25121, Waco, TX 76701
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8304 Old McGregor Rd, Ste B, Waco, TX 76712
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4800 Lakewood Dr, Suite 6A, Waco, TX 76710
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100 N 6th St, Suite 201, Waco, TX 76701
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1700 N. Valley Mills Drive, Waco, TX 76710
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4901 Bosque Blvd, Waco, TX 76710
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225 S 5th St, Waco, TX 76701
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Learn about insurance coverage options specific to Waco residents.
Waco home insurance costs $2,300-$2,943/year. Learn about tornado & hail coverage, flood zones, impact-resistant roof discounts, and how to save money.
Home InsuranceWaco home insurance averages $2,300-$2,943/year. Impact-resistant roofs save 20-35%. Learn how storm history affects rates and get coverage tips.
Car InsuranceWaco car insurance averages $1,675/year for full coverage. Learn about hail protection, I-35 factors, and discounts that save 15-20% on premiums.
Car InsuranceWaco drivers pay $1,300-$1,700/year for auto insurance. Learn about Texas's 30/60/25 minimums, hail coverage needs, and how to find the best rates.
Business InsuranceProtect your Waco business with the right insurance. Learn coverage needs for tourism, healthcare, and retail businesses in Texas's fastest-growing city.
General Insurance EducationComplete Waco insurance guide covering Texas auto requirements, tornado and hail protection, and Central Texas home coverage. Get rates, tips, and FAQs.
The average cost of home insurance in Waco ranges from $2,300 to $2,943 per year for $300,000 to $350,000 in dwelling coverage. This is about 20% cheaper than the Texas state average of $3,694 annually. However, rates vary significantly between carriers—from as low as $1,211 to as high as $3,619 for similar coverage—so shopping around is essential.
If your property is in a FEMA-designated flood zone and you have a mortgage, your lender will almost certainly require flood insurance. Over 1,200 Waco properties were recently added to flood zones following updated studies of the Brazos River and local creeks. Even if you're not in a high-risk zone, consider flood insurance anyway—about 25% of flood claims come from outside designated flood zones, and your standard homeowners policy doesn't cover flood damage.
Impact-resistant roofing can save you 25-40% on your annual home insurance premium in Waco's high-hail zone. For a homeowner paying $2,500 per year, that's $625 to $1,000 in annual savings, or $18,750 to $30,000 over 30 years. To qualify for the discount, your contractor must complete Texas Department of Insurance form PC068 after installation and submit it to your insurance company.
Yes, standard homeowners insurance policies in Texas include wind and hail coverage, which protects you against tornado and hail damage. This coverage handles roof repairs or replacement, broken windows, damaged siding, and debris removal. Given that Waco experiences major hail storms 2-3 times per year and sits in tornado alley, this coverage is essential for protecting your home and finances.
Your Waco home insurance rate depends on your home's age, construction type, roof age and material, credit score, claims history, and chosen deductible. Homes with impact-resistant roofing, security systems, and newer construction typically cost less to insure. Location matters too—properties in newly designated flood zones near the Brazos River may face higher costs and require separate flood insurance.
You should compare home insurance rates in Waco at least once a year, ideally before your policy renews. Rates vary dramatically between carriers in Waco's competitive market, and your current insurer may have raised rates while competitors offer better deals. Life changes like roof replacements, home improvements, or paying off your mortgage can also qualify you for new discounts worth exploring.
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