I'm next door in Lewisville and Argyle is one of my favorite books — big lots, real outbuildings, real coverage stakes. Default homeowners policies under-cover this market by a mile.
Because Argyle isn't a standard suburb and I don't want to write it like one. The homes I quote here come with barns, workshops, detached garages, fenced pastures, sometimes a pool house — and very often a horse or two. None of that fits inside a default homeowners policy without intentional work.
Lantana looks tighter on the map but it's the same conversation — bigger lots, custom builds, outbuildings, and a tendency for owners to stay 15 or 20 years without ever re-shopping the policy. Two places, one underwriter mindset.
DFW averages 3 to 5 significant hail events per year. The 2023 DFW hailstorms alone produced an estimated $7–10 billion in insured Texas losses (95% from hail), and Texas led the country with 1,123 hail events that year. The May 25, 2024 EF3 tornado tracked through Cooke and Denton counties.
Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline. With multiple outbuildings exposed to the same storm, deductible math gets more meaningful, not less. I'll model both scenarios at your home's real numbers before you sign.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For Argyle and Lantana households with multiple vehicles, a truck or trailer, and a clean loss history, the savings tend to land toward the higher end of that range.
I quote it both ways — bundled and stand-alone — and show you the math. If bundling isn't your best deal, I'll say so.
With home + auto bundled, $1 million of umbrella liability typically runs $200–$400 a year. For Argyle and Lantana owners with $600K+ equity, livestock, a pool, or teen drivers, $2M is often the right starting number. The incremental cost is modest; the exposure isn't.