Living in Keller means you've chosen one of the best suburbs in the Dallas-Fort Worth metroplex. With top-rated schools, a median household income exceeding $141,000, and family-friendly amenities like the Bear Creek trail system, Keller offers an exceptional quality of life. But protecting that lifestyle requires understanding your insurance needs—and in Texas, those needs are shaped by everything from hailstorms to state minimum coverage laws that might leave you exposed.
Whether you're a longtime Keller resident or considering a move to this affluent Tarrant County community, this guide breaks down what you need to know about auto, home, and other essential insurance coverage. We'll cover the risks specific to your area, how to avoid being underinsured, and practical ways to save money without cutting corners on protection.
Auto Insurance in Keller: What You Need and What It Costs
Texas law requires all drivers to carry minimum liability coverage: $30,000 per person for bodily injury, $60,000 total per accident, and $25,000 for property damage. You'll see this written as "30/60/25" coverage. Here's the problem: these minimums were set years ago and haven't kept pace with the actual cost of accidents.
A serious accident can easily exceed those limits. Medical costs, vehicle repairs, and inflation have all climbed dramatically. If you cause an accident and the damages exceed your coverage, you're personally liable for the difference—and in an affluent community like Keller where you're sharing the road with expensive vehicles, that gap can be substantial.
The good news? Keller drivers pay less than most Texans for auto insurance. You can expect around $108 per month for minimum liability or $197 for full coverage—about 15% below the state average. That's partly because Keller has lower crime rates and responsible drivers, but it's also why you should use those savings to buy better protection. Consider bumping your liability limits to at least 100/300/100, and add comprehensive and collision coverage if your vehicle is worth protecting.
Homeowners Insurance: Protecting Your Biggest Investment
With a median home value of $560,493 in Keller, your house is likely your largest asset. Texas doesn't legally require homeowners insurance, but if you have a mortgage—which most people do—your lender absolutely will. They want assurance that their investment is protected, and you should too.
The average homeowners insurance cost in Keller runs about $1,497 annually, which is well below the state average of $4,585. But don't get complacent. Texas homeowners are facing an insurance crisis driven by severe weather, particularly hail. In 2024, Texas experienced 878 major hail events—more than any other state—with hailstones larger than two inches damaging over 180,000 homes.
The Dallas-Fort Worth area, including Keller, sits in what's known as "Hail Alley." Spring and early summer bring severe thunderstorms that can pummel roofs, siding, and vehicles. This has led to sharp premium increases—21% in 2023 and 19% in 2024—and some insurers are even non-renewing policies in high-risk areas. Make sure your policy covers replacement cost (not actual cash value), and verify your roof coverage. Many insurers now depreciate roof claims based on age, which can leave you paying out of pocket for repairs after a hailstorm.
Flood Insurance: The Coverage Most People Skip (But Shouldn't)
Here's something that surprises most homeowners: your standard homeowners policy doesn't cover flooding. Not water damage from a burst pipe—that's covered—but rising water from heavy rain, overflowing creeks, or storm surge. For flood protection, you need a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP).
Only about 5% of Texas homeowners carry flood insurance, which is alarming given recent events. In July 2025, catastrophic flooding along the Guadalupe River caused an estimated $18-22 billion in damage, with water levels rising 26 feet in less than an hour in some areas. While Keller isn't directly on the Guadalupe, it's a reminder that flash flooding can happen anywhere in Texas, especially during severe thunderstorms.
Flood insurance in Texas averages around $1,188 annually under the NFIP's revised pricing, which now reflects actual flood risk rather than outdated flood zone maps. Even if you're not in a high-risk zone, consider the coverage. Many flood claims come from areas designated as low or moderate risk, and the cost is reasonable compared to the potential loss.
Additional Coverage to Consider
As an affluent community, Keller residents often have assets worth protecting beyond the basics. An umbrella policy provides an extra layer of liability coverage above your auto and home policies—typically $1-5 million in additional protection for a few hundred dollars per year. If you have significant savings, investment accounts, or rental properties, umbrella insurance protects those assets if you're sued for damages that exceed your standard policy limits.
Life insurance is another consideration, especially for families. Keller is known for its top-rated schools and family-oriented culture, with highly ranked institutions like Bear Creek Intermediate School where 77% of students achieve math proficiency. If you have children depending on your income, term life insurance provides affordable protection to ensure they can maintain their lifestyle and educational opportunities if something happens to you.
How to Save Money on Insurance in Keller
Better coverage doesn't have to mean higher costs if you're strategic. Bundling your home and auto insurance with the same carrier typically saves 15-25% on both policies. Many insurers offer discounts for home security systems, smart home devices that detect water leaks or monitor for break-ins, and impact-resistant roofing—which is particularly valuable in hail-prone areas.
Maintaining good credit helps too. Texas insurers use credit-based insurance scores to set rates, and improving your credit can lower your premiums. Similarly, a clean driving record keeps your auto insurance affordable—even minor violations can increase rates for three to five years.
Finally, shop around every year or two. Insurance rates change based on claims experience, and what was competitive last year might not be today. Get quotes from at least three carriers, and don't be afraid to negotiate or ask about available discounts you might have missed.
Getting Started with Your Insurance Review
Take an afternoon to review your current coverage. Pull out your auto and home insurance declarations pages—those are the summary documents showing what you're actually covered for—and look for gaps. Are your liability limits high enough to protect your assets? Does your home policy cover replacement cost? Do you have flood insurance?
If you're unsure, talk to an independent insurance agent who can quote multiple carriers and explain your options without pressure. Living in Keller means you've invested in quality of life—make sure your insurance keeps pace with that investment. The right coverage won't just protect your house and car; it protects your financial security and peace of mind.
