Home Insurance Broker | Little Elm, TX

More Choice, Bigger Savings

Finding the right policy shouldn’t feel harder than navigating 423 on a stormy afternoon. If home insurance in Little Elm, TX has you sifting through fine print and calling five companies, take a breath - we’ll handle it.

As an independent broker, we partner with 80+ A-rated carriers and tailor coverage to your home, your roof, and your budget - built for Little Elm’s hail, wind, and lake-area risks. Simple choices. Clear answers. Strong protection.

Why it’s better with us

✔️ We compare, you save. Captive agents have one option - we bring you the best of many.

✔️ Coverage that fits. From starter homes to lakefront, you get what you actually need.

✔️ Local risk advisors since 1996. Fast, friendly guidance and policies that perform when it counts.

✔️ Beyond homeowners. Bundle options for auto, umbrella, flood, and life to protect your whole life.
 

Speak with a specialist and see what you can save.

Request a quote | Or call 972.991.9100

What Does Homeowners Insurance Cover? 

One policy, multiple protections - so you can recover faster if the unexpected happens.

Your homeowners policy combines several protections in one plan

• Dwelling (Your Home): Pays to repair or rebuild when a covered peril hits - fire, wind, hail, theft, or sudden water discharge.

• Other Structures: Detached garage, fence, shed - covered up to policy limits.

• Personal Property: Your stuff (furniture, clothes, electronics), typically worldwide - ask us to right-size the limit.

• Loss of Use (Additional Living Expenses): Helps with hotel, meals, and extra costs if a covered claim makes your home unlivable.

• Personal Liability: Covers legal costs and damages if someone is hurt and you’re legally responsible - on or off your property.

• Medical Payments to Others: Small medical bills for guests injured at your home - no lawsuit required.

What’s not covered on a standard home policy (HO-3)

Most policies don’t cover:

• Flooding & storm surge (surface water, lake rise) - needs a separate Flood policy.

• Earth movement (earthquake, sinkhole, settling) unless endorsed.

• Wear and tear / maintenance issues - gradual damage, deterioration.

• Pests & vermin - termites, rodents, insects.

• Continuous or repeated leaks and resulting mold (unless caused by a covered sudden event and limits apply).

• Sewer or drain backup (needs Water Backup endorsement).

• Ordinance or law upgrades to meet new building codes (needs Ordinance or Law).

• Business/short-term rental activity without the proper endorsement or policy type.

• High-value items over sublimits (jewelry, watches, fine art) unless Scheduled.

• Power failure off-premises, war, nuclear, and intentional acts.

• Vacancy clauses may reduce/void coverage if the home is vacant beyond your policy’s time limit.
   

Smart upgrades for Little Elm homeowners:

Strengthen your policy with popular endorsements designed for lake-area, and hail risks and more.

Your base policy is a great start, but a few smart add-ons can close common gaps around Lewisville Lake and hail country:

• Flood Insurance (NFIP or Private): Standard home insurance excludes floods. If heavy rain, lake rise, or drainage issues worry you, we’ll compare NFIP vs. private options. (Most policies have a ~30-day wait, so don’t leave this until storm season.)
   

• Water Backup of Sewers/Drains: Covers damage from backed-up drains, sewers, or sump systems - separate from flood or burst-pipe coverage.
   

• Foundation/Slab Coverage (TX): Helps with foundation damage from covered leaks - important for Texas soil and slab homes.
   

• Ordinance or Law: Pays the extra cost to bring older portions of your home up to current building codes after a covered loss.
   

• Extended/Guaranteed Replacement Cost: Adds a cushion if rebuild costs spike after a major storm or material surge.
   

• Scheduled Personal Property: Broader protection and agreed values for jewelry, watches, art, collectibles that exceed standard sub-limits.
   

• Equipment Breakdown: Covers sudden mechanical/electrical breakdown of systems (HVAC, appliances) beyond normal wear and tear.
   

• Animal Liability: If you have a dog breed with restrictions, we’ll place you with a carrier that fits and add proper limits.
   

• Short-Term Rental/Occasional Rental: Hosting? Standard policies often exclude STRs. We’ll endorse properly or quote a dedicated policy.
   

• Umbrella Liability: Extra $1M+ in liability that sits over home/auto - often the best dollar-for-protection value you can buy.
   

Every coverage has limits and a deductible. We’ll help you choose amounts that actually rebuild your home and replace your belongings - so you’re not left short at claim time.

How Much Is Home Insurance in Little Elm, Texas?

Your rate is as unique as your home.

Every home in Little Elm tells a different story - location, age, roof type, and even how close you are to Lewisville Lake can all shape your premium. That’s why there isn’t one “average price” that fits everyone.

Insurance companies calculate rates based on risk - how likely your home is to experience damage from things like hail, wind, or water, and what it would cost to rebuild if it did. They also consider:

Here are the main factors that influence your premium:

• Home Age & Condition: Older homes often cost more to insure unless updated with modern wiring, plumbing, or roofs.
   

• Construction Type: Brick or stone homes typically see lower premiums than wood-frame homes due to better fire resistance.
   

• Roof Age & Material: Hail-resistant roofs or Class 4 shingles can earn valuable discounts in Little Elm.
   

• Location: Proximity to Lewisville Lake, local crime data, and how close you are to a fire station all factor in.
   

• Claims History: Both yours and the home’s previous owners’ claims can affect pricing through CLUE reports.
   

• Credit-Based Insurance Score: Strong credit often leads to better rates.
   

• Coverage Levels & Deductibles: Higher limits or lower deductibles increase cost, while higher deductibles reduce it.
   

At Thumann Agency, we don’t give guesses. We compare quotes from 80+ A-rated carriers, show you your real options side by side, and help you understand what drives the cost - so you can make the smartest choice for your budget.

Request a Quote | Talk to Us

Replacement Cost vs. Actual Cash Value 

Why It Matters at Claim Time

How you’re paid at claim time - today’s prices vs. depreciated values - can change everything.

• Replacement Cost (RC): You’re paid today’s price to repair/replace, subject to deductible and limits. This minimizes out-of-pocket surprises.
   

• Actual Cash Value (ACV): Depreciation is subtracted for age/wear. You’ll pay the difference- often thousands - on roofs, flooring, and electronics.
   

How this plays out on a roof claim:

• A new roof costs $18,000 today.
   

• With RC, after a $2,000 deductible, the carrier ultimately pays $16,000 (often in two checks - initial + recoverable depreciation once work is complete).
   

• With ACV, if depreciation is $7,000, the carrier pays $9,000 after your deductible. You’d cover the remaining $9,000 out of pocket.
   

Deductibles Explained: All-Peril vs. Wind/Hail in Texas

Pick deductibles that fit your budget now and your wallet after a storm.

Your deductible is what you pay out of pocket before your insurance starts covering a loss. Choosing the right one can make a big difference in both your monthly premium and your financial comfort level when something happens.

In Texas, most home insurance policies have two separate deductibles:

• All-Peril Deductible: Applies to losses such as fire, theft, or sudden water damage. This is usually a flat dollar amount, like $1,000 or $2,500.
   

• Wind/Hail Deductible: Applies to storm-related roof or exterior damage. Often a percentage of your home’s insured value, such as 1% or 2%.
   

Example:
If your home is insured for $400,000 and your wind/hail deductible is 2%, you’d pay $8,000 before your insurance covers the rest of the repair.

Our advice:

• Make sure you’re comfortable paying your deductible in full after a storm.
   

• If your roof is newer or impact-resistant, you may qualify for wind/hail discounts that lower premiums.
   

• Ask us to model a few deductible options - we’ll help you find the right balance between premium savings and out-of-pocket risk.
   

Our team is here to guide you through every “what if” so you know exactly how your coverage performs before you ever need it. Call us today: 972.991.9100 

The 80% Rule & Right-Sizing Your Coverage Limits

Insure to the right rebuild value so partial losses pay what you expect - without penalties.

Texas insurance companies generally require your home to be insured for at least 80% of its replacement cost - some require 100%. This is known as the 80% rule. If you insure below that amount, you may not be fully reimbursed for partial losses.

Here’s how it works:
If your home would cost $500,000 to rebuild, your policy should insure it for at least $400,000. If it’s insured for less and a partial claim occurs (say $100,000 of damage), the company may pay only a portion - because you didn’t meet the 80% threshold.

We’ll help you right-size your limits by reviewing:

• Local rebuild cost per square foot for Little Elm homes.
   

• Upgrades like kitchens, flooring, or new roofs that affect replacement cost.
   

• Any detached structures, decks, or improvements you’ve added.
   

Our goal is simple: make sure your policy pays what you expect it to - without penalties, fine print, or surprises when you need it most.

Tip: Ask us to review your coverage annually. Construction prices and materials change quickly, and updating your limits keeps your policy performing exactly as it should.

Ways to Save: Discounts, Upgrades & Bundle Opportunities

Stack smart discounts and bundle home + auto (+ umbrella) to lower your premium.

Homeowners in Little Elm save money by keeping their homes well-maintained, upgrading for safety, and bundling multiple policies together.

Common Home Insurance Discounts Include:

• Home & Auto Bundle: Combine both with the same carrier and unlock a multi-policy discount—often saving hundreds a year.
   

• Impact-Resistant Roof Discount: Class 4 shingles not only last longer but may reduce premiums significantly.
   

• Protective Device Discount: Smoke detectors, fire extinguishers, monitored alarm systems, and smart home sensors can earn credits.
   

• New Home Discount: Homes built or fully renovated within the last five years often qualify for lower premiums.
   

• Claims-Free Discount: Staying claim-free for three or more years can reduce costs at renewal.
   

• Loyalty or Renewal Savings: Some carriers reward long-term customers or automatic renewals.
   

Our Local Tip:
Little Elm homeowners who bundle home, auto, and umbrella insurance through Thumann Agency enjoy simplified billing, coordinated renewals, and stronger overall protection.

We’ll walk you through all available discounts, run side-by-side comparisons, and show you how simple changes - like adding a monitored alarm or upgrading a roof - can help you save long-term without compromising coverage.

Request a Quote | Talk to Us

Google Reviews from Little Elm & Across Texas

Real homeowners. Real savings. Real peace of mind.

At Thumann Insurance Agency, our clients aren’t just policyholders - they’re neighbors.Here’s what Texas homeowners say about working with our team:

⭐️⭐️⭐️⭐️⭐️
“Desni Cox went above and beyond to constantly update my insurance to help get me the lowest costs! Highly recommend this company, very quick responses and kind people.!”
– Augustus

⭐️⭐️⭐️⭐️⭐️
“I recommend Thuman as they are professionals and they can write on so many different carriers! They will find you policies that work for YOU! Thanks for an awesome job!”
– Karen. D

⭐️⭐️⭐️⭐️⭐️
“I have a very little time to get the insurance she got me quote in three hours. Nobody got it done. I have five other agent working on the same thing. Nobody could get the quote done cheaper and quicker thank you”
– Nanak. S

Area’s we cover

Local, lake-aware guidance for Little Elm ZIPs 

As a fast-growing lakeside community, Little Elm has its own unique risks - from spring hailstorms to Lewisville Lake flooding concerns. That’s why working with a local, independent agency makes all the difference.

We proudly serve homeowners throughout:

• ZIP Codes: 75068, 75036, and 76227
   

• Neighborhoods: Paloma Creek, Frisco Hills, Lakeview at Sunset Pointe, Woodridge Estates, Dominion at Lakeview, and more
   

We know the homes, the builders, and the weather patterns that affect your rates and coverage needs. Whether you’re buying your first home near the lake or upgrading in a master-planned neighborhood, we’ll design protection that grows with you.

Don’t see your ZIP code? Don’t worry.

If you’re anywhere in or around Little Elm, we can help. Send your address and we’ll confirm eligibility, compare options from 80+ A-rated carriers, and tailor coverage to your home.

Homeowners Insurance FAQs

Quick answers to the most common questions - straight talk, no jargon.

Is homeowners insurance required in Texas?
Not by law - but if you have a mortgage, your lender will require it. Even if you own your home outright, having a policy in place protects your financial future.

What’s the average cost of home insurance in Little Elm?
The average policy in Little Elm is around $3,500 per year, but our clients often pay closer to $1,300 - $1,500 after we compare rates from multiple carriers.

Does home insurance cover floods?
No. Flood damage is excluded from standard policies, but we’ll help you secure flood insurance through the National Flood Insurance Program (NFIP) or private carriers.

What’s the difference between replacement cost and actual cash value?
Replacement cost pays the current price to rebuild or replace items, while actual cash value subtracts for depreciation. Replacement cost coverage helps you recover faster and with fewer out-of-pocket costs.

Can I change my deductible or limits mid-term?
Yes, you can. It’s often smart to review coverage after home updates or large purchases. We’ll adjust your limits anytime to keep your policy current.

Get Your Little Elm Home Insurance Quote

Compare 80+ A-rated carriers in minutes - clear options, fair pricing, easy next steps.

Protect your home, your memories, and your peace of mind with coverage built around you.
We’ll compare 80+ A-rated carriers to find your best options - fast, clear, and stress-free.

Request a Quote | Talk to Us

Disclaimer: Coverage options, discounts, and eligibility vary by carrier and underwriting. This page is a general overview. Your policy governs all terms, conditions, and exclusions.

Updated: 10.15.25