The median Arlington home was built in 1986 and has appreciated about 132% over the past decade. Most policies haven't kept pace — and the gap shows up in a claim.
Arlington is 59.8% single-family homes and 54.3% owner-occupied — solid, stable, and aging. With a median build year of 1986, most homes are now on their first or second roof, with HVAC and water heaters past or near the end of useful life. None of that is unusual; what's unusual is how quickly the market has moved underneath the coverage.
Many Arlington owners set their dwelling coverage when they bought the house — sometimes a decade ago — and never revisited it. Rebuild costs have climbed since then, and carrier underwriting on older roofs has tightened in response to repeated Texas hailstorms. The result is silent under-insurance: a $350K house with $250K of dwelling coverage and an ACV roof clause.
We start by re-walking the basics: what would it actually cost to rebuild your home today, and does your policy reflect that?
DFW averages 3 to 5 significant hail events a year. The 2023 DFW hailstorms alone produced an estimated $7–10 billion in insured Texas losses — 95% of it from hail.
Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline. On older Arlington roofs paid at actual cash value, the depreciation cliff can make the carrier's payout fall well short of the actual repair bill. We 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 Arlington's volume of two-car households, the savings tend to be at the top end of that range.
We quote it both ways — bundled and stand-alone — and show you the actual numbers. If bundling isn't the better deal for you, we'll tell you.
Once home + auto are with the same carrier, adding $1 million of umbrella liability typically runs $200–$400 a year. For Arlington owners with appreciated equity to protect, it's some of the cheapest insurance you'll ever buy per dollar of coverage.