Homeowners Insurance in Dallas, TX

Beautiful home with a landscaped driveway, showcasing the importance of choosing reliable Home Insurance Brokers in Dallas for coverage.

You're closing on a house, your renewal came in higher than last year, or a hailstorm just reminded you to check your roof coverage. Either way, you want a policy that will actually rebuild your home, with a deductible you can afford after a North Texas storm.

Thumann Agency is an independent insurance agency and broker in Dallas, led by Steve Thumann and serving Texas homeowners since 1996. We compare 80+ carriers and pair you with a dedicated advisor who explains your options in plain English.

This page is for homeowners in Dallas, Richardson, Plano, Garland, and across Dallas-Fort Worth, from first-time buyers to families in older homes with older roofs.

  • What it covers: your house, other structures, belongings, extra living costs after a covered loss, and liability

  • Who needs it: anyone with a mortgage, since lenders require it, and anyone who couldn't afford to rebuild out of pocket

  • What it costs: it depends on your home, roof, deductible, and carrier, so the cost section below explains what drives your price

 Get a Quote | Call (972) 991-9100

Why Dallas Homeowners Choose Thumann Agency

Two carriers can look at the same Dallas home and see two very different risks. Here's how we help you sort it out:

  • Independent broker: we compare 80+ carriers, so you see more than one company's price and policy terms

  • A dedicated advisor: you talk to someone who knows your home and your coverage, not a call center

  • 30+ years in Dallas: Thumann Agency has helped Texas homeowners since 1996

  • Help with harder cases: an older roof, a past claim, or a custom home may fit some carriers better than others

  • Annual renewal reviews: we re-check your dwelling limit, deductibles, and options every year

  • Servicio en español: Spanish-language support is available

You shouldn't have to read your policy alone. We walk through it with you, and you decide.

What Dallas Homeowners Say About Thumann Agency

Thumann Agency holds a 4.6-star rating from 140+ Google reviews. Here's what two clients say about working with us.

I wanted to take a moment to thank you for your professionalism and patience while helping me set up my mortgage and auto insurance. Your guidance and attention to detail made the process much easier and less stressful. I truly appreciate your effort in ensuring everything went smoothly.

Andy | Google | ★★★★★

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 | Google | ★★★★★

Google reviews | 4.6 stars, 140+ reviews | BBB A+ rating | Trusted Choice pledge

Buying a home or facing a renewal increase? Get a Quote or Call Us.

Is Homeowners Insurance Required in Texas?

Not by law. Texas doesn't require you to carry home insurance, according to the Texas Department of Insurance. But if you still owe money on your home, your lender will require it.

If your home is in a designated flood zone, your lender also requires flood insurance, which is a separate policy. Paying off your mortgage doesn't make the risks go away, so it's worth keeping coverage after the loan is gone.

What Homeowners Insurance Covers in Dallas

Most Texas home policies include six coverages, according to the Texas Department of Insurance. Each one pays for a different part of a loss.

Dwelling Coverage

Dwelling coverage pays if your house is damaged or destroyed by something your policy covers, such as fire, wind, or hail. Your limit should match what it would cost to rebuild your home at today's prices, not what you paid for it or what it would sell for.

Other Structures Coverage

Other structures coverage pays to repair things on your property that aren't attached to your house. Think of a detached garage, a storage building, or a fence. Spring storms can knock down fences, so check this limit.

Personal Property Coverage

Personal property coverage pays if your furniture, clothing, and other belongings are stolen, damaged, or destroyed by a covered event.

Additional Living Expenses Coverage

Additional living expenses coverage helps pay extra costs if you have to move out while your home is being repaired after a covered loss. That can include a rental, hotel stays, and higher food costs, up to your policy limits.

Personal Liability Coverage

Personal liability coverage helps pay medical bills, lost wages, and other costs if you're responsible for someone getting hurt or for damaging someone else's property. Depending on the policy, it can also help pay legal costs if you're sued over a covered claim.

Medical Payments Coverage

Medical payments coverage pays medical bills for people hurt on your property, such as a guest who trips on your steps.

Replacement Cost vs. Actual Cash Value

This choice decides how much you're paid. Replacement cost coverage pays to repair or replace your house and belongings at current prices. Actual cash value pays replacement cost minus depreciation, so an older roof or a five-year-old couch is worth less. The Texas Department of Insurance says that to be fully protected, your policy should have replacement cost coverage.

What Most Dallas Home Policies Don't Cover

Most home policies leave out a few common risks, according to the Texas Department of Insurance. Here are four of the most common:

  • Flood: rising water from heavy rain or an overflowing creek needs a separate flood policy

  • Continuous water leaks: a slow leak that goes on for weeks, along with mold removal except when it's tied to a covered loss

  • Termites and pests: damage from insects, rats, or mice

  • Wear and tear: aging materials and normal deterioration

Home policies also limit what they'll pay for jewelry and art. You can add an endorsement for jewelry, fine arts, or electronics to raise that coverage.

Dallas Weather Risks That Shape Your Home Policy

Wind and hail are the biggest drivers of home insurance losses in Texas. Since 2019, they've averaged 62 percent of homeowners losses, according to the Texas Department of Insurance. Here's what that looks like in Dallas.

Hail

North Texas hail can be extreme. On April 11, 2016, a storm produced a 5.25-inch hailstone, which was then a record for the National Weather Service Fort Worth forecast area. In Wylie, about 80 percent of homes were affected, and damage passed $300 million.

Statewide, insurers paid about $4.93 billion in homeowners hail losses in 2024, according to the Texas Department of Insurance. That's why your roof's age, material, and deductible matter so much when you shop.

Tornadoes

Dallas-Fort Worth has had serious tornadoes in recent years. On December 26, 2015, an EF4 tornado struck Sunnyvale, Garland, and Rowlett and killed 10 people. On October 20, 2019, an EF3 tornado with winds near 140 mph tore through North Dallas, from near I-35E and Walnut Hill through Preston Hollow toward Central Expressway and Forest Lane, with more damage in Richardson.

After a major storm, your dwelling limit and additional living expenses coverage decide how well you recover. Review both before storm season, not after.

Flash Flooding

Heavy rain can push Dallas creeks out of their banks quickly, and a standard home policy won't pay for flood damage. A new flood policy typically takes 30 days to go into effect, according to FEMA, so you can't wait until a storm is in the forecast. You can look up your address on the FEMA flood map, then ask us about flood insurance.

How Your Wind and Hail Deductible Works

Some Texas policies use a percentage deductible for wind and hail. It's figured as a percentage of your home's insured value, not a percentage of the claim, according to the Texas Office of Public Insurance Counsel.

Here's a hypothetical example. Your home is insured for $350,000 with a 2 percent wind and hail deductible. You would pay the first $7,000 of a covered hail claim, even if your other deductible is $1,000. And because the deductible follows your insured value, it rises when your dwelling limit goes up at renewal.

Before you choose a higher deductible to lower your premium, make sure you could pay it after a storm.

How Much Does Home Insurance Cost in Dallas?

Your cost depends on your home, your roof, your deductibles, and the carrier. We don't publish one Dallas price because two homes on the same street can be priced very differently.

For context, the average annual homeowners premium in Texas was $3,489 in 2025, up from $1,791 in 2016, according to the Texas Department of Insurance. That's a statewide average across all homes and coverage amounts, not a quote. Average rate increases have also slowed, from 21.1 percent in 2023 to 4.3 percent in 2025. For more statewide detail, read our Texas cost guide.

What Affects Your Premium

  • Rebuilding cost: a higher dwelling limit usually means a higher premium

  • Roof age and material: carriers look closely at roofs because of hail

  • Location: your exposure to hail, wind, and flooding

  • Claims history: past property claims can affect price and eligibility

  • Deductibles: higher deductibles, including a wind and hail deductible, can lower your premium

  • Credit information: some companies use it, but a company can't turn you down based only on your credit, according to the Texas Department of Insurance

  • The carrier itself: each company prices risk differently, which is why comparing matters

Ways to Lower Your Premium

Each company decides which discounts it offers and how much they're worth. Possible discounts include a monitored burglar or fire alarm, a sprinkler system, and an impact-resistant roof, according to the Texas Department of Insurance. Bundling home and auto with one carrier may also help. Ask your advisor which discounts apply and what proof the carrier needs.

Your actual cost is set during the quote process and depends on your home, your coverage choices, and the carrier. We don't guarantee pricing or savings.

Why an Independent Home Insurance Broker Can Help

A captive agent represents one insurance company and can only offer that company's policies. An independent broker like Thumann Agency works with multiple carriers, so you can compare more than one option for the same home.

That matters most when your home is harder to place. Carriers weigh roof age, past claims, and rebuilding costs differently, and one company's "no" isn't every company's answer. We can't promise approval or a lower price, but we can show you which of our 80+ carriers may fit your home and what each policy actually covers.

High-Value Homes and Valuable Belongings

A custom or luxury home can cost more to rebuild than a standard policy expects, and standard limits on jewelry and art may fall short. Scheduling items on an endorsement can give them their own coverage limits, subject to the policy terms. See our high-value homes page for coverage built for larger properties.

Bundle Your Home With Other Coverage

Combining your home policy with another policy may qualify you for a multi-policy discount, depending on the carrier. Here's what we can quote alongside your home:

  • Auto: auto insurance for the cars in your driveway

  • Flood: a separate flood policy for the gap your home policy leaves

  • Boat: boat insurance for weekends on Lake Lewisville or Lake Ray Hubbard

Own a condo instead? See our condo insurance page.

How to Get a Home Insurance Quote in Dallas

Getting a quote is simple, and a few details help us compare carriers accurately.

  1. Share your home's details: year built, square footage, roof age and material, and any recent updates.

  2. Send your current declarations page: it shows your limits, deductibles, and endorsements today.

  3. Tell us about past claims: carriers review property claims history, so accurate details avoid surprises.

  4. Compare and choose: your advisor shows options side by side, and you pick the policy that fits.

Get a Quote or Call (972) 991-9100.

Home Insurance Across Dallas-Fort Worth

Our office is at 12770 Coit Road, Suite 110, in Dallas. Our main market is Dallas-Fort Worth, including Richardson, Plano, and Garland, and we also serve homeowners in Houston, Austin, San Antonio, Corpus Christi, and Galveston. See all of our personal insurance options. Coverage terms vary by carrier.

Frequently Asked Questions

Does Homeowners Insurance Cover Foundation Problems in Dallas?

Usually not when the damage comes from settling or shifting soil. Most home policies exclude earthquakes and earth movement, along with wear and tear, according to the Texas Department of Insurance. Coverage can depend on what caused the damage, so read your policy's exclusions closely. Send us your declarations page, and your advisor will walk through what your current policy says.

Does My Policy Pay for Trees and Fences After a Storm?

It depends on what was damaged. Most home policies don't cover wind or hail damage to trees and shrubs, according to the Texas Department of Insurance. A fence usually falls under other structures coverage, subject to your deductible and limits. If a falling tree hits your house, the damage to the house is a separate question your policy terms answer.

What If My Home Is Empty for a While?

Tell your advisor before you leave. Most home policies don't cover losses that happen after a house has been vacant for the number of days stated in the policy, according to the Texas Department of Insurance. That matters if you're between homes, renovating, or traveling for months. Some carriers offer options for vacant homes, so ask before the gap starts.

My Carrier Won't Renew My Policy. Can You Help?

We can help you look for a new policy. A non-renewal from one carrier doesn't mean every carrier will say no. As an independent broker, we can check which of our 80+ carriers may consider your home based on its roof, age, and claims history. We can't promise approval, but start early so you have time to compare before your current policy ends.

Should I Keep an Inventory of My Belongings?

Yes. The Texas Department of Insurance suggests photographing or recording each room, including closets, storage buildings, and your garage. Keep the list and receipts for major items in a fireproof safe or another location, and update it regularly. A current inventory also helps you choose the right personal property limit when you buy or renew.

Ready to Compare Home Insurance Options for Your Dallas Home?

Tell us about your home and what you need protected, and we'll walk through your options in plain language. Get a Quote, Call (972) 991-9100, or Talk to Us and we'll take it from there.

Last Reviewed: October 2026

Author: Steve Thumann, Licensed Texas Insurance Broker

Sources: Texas Department of Insurance: Home Insurance Guide, Texas Department of Insurance: Homeowners Insurance Market Overview, National Weather Service Fort Worth: December 26, 2015 Tornadoes, National Weather Service Fort Worth: October 20, 2019 Tornadoes, FEMA: Flood Policy Waiting Period, Texas Office of Public Insurance Counsel: Understanding Your Homeowners Deductible

Disclaimer: This information is for general educational purposes only and is not legal or insurance advice or a full description of any policy. Coverage terms, limits, deductibles, and exclusions vary by carrier and by state, including Texas. Average premiums shown are statewide figures from the Texas Department of Insurance, not a quote from Thumann Agency. The example shown is hypothetical. Not all coverages or discounts are available from every carrier. Reviews reflect customers' own experiences. Contact Thumann Agency for details about your needs. Thumann Agency is licensed under Texas Department of Insurance regulations.