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.
Home insurance in Arlington, TX comes down to a few things: 40-year-old housing stock at mid-market values, DFW’s hail exposure, and how your roof is valued at claim time. Texas homeowners pay among the highest premiums in the country — about $3,899 a year on average (Bankrate, June 2026), roughly 61% above the national average, and Arlington's aging roofs keep claims and rates elevated. Bome Home Insurance Group is an independent, Lewisville-based agency serving Arlington that compares multiple A-rated carriers to match homeowners with the most competitive premium available, with a quote back within 24 hours.
| Typical home value | ~$330,000-$365,000 (Redfin) |
|---|---|
| Median year built | 1986 |
| Ownership | ~54% owner-occupied |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$3,400 at a $345,000 dwelling limit |
| 2% wind/hail deductible | ~$6,900 at a $345,000 dwelling limit |
| DFW hail frequency | 3–5 significant events/yr; 2023 storms ~$7–10B insured TX losses (95% hail)Source: Insurance Information Institute, 2023 |
| Hail/wind claim deadline | 1 year from the date of lossTex. Ins. Code §542A.003 |
| Coverage basis to confirm | RCV vs. ACV — the gap widens on roofs 15+ years old |
Last updated: June 2026.
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.
There's no single price - your premium depends on your roof age, dwelling limit, and claims history. As a benchmark, Texas homeowners pay about $3,899 a year on average (Bankrate, June 2026), and Arlington's aging roofs keep claims and rates elevated. Because we're independent, we compare multiple A-rated carriers to find your most competitive premium.
An older roof isn't automatically uninsurable, but on Arlington's 1986 homes many carriers move older roofs to actual cash value (ACV) instead of replacement cost value (RCV) - paying the depreciated value rather than the cost to replace. We confirm which basis a policy uses before you bind so there's no surprise after a storm.
Replacement cost value (RCV) pays what it costs to rebuild or re-roof today; actual cash value (ACV) subtracts depreciation, so an older roof pays out far less. The gap is widest on older roofs, and it's the most common cause of claim disappointment in Arlington. We check which basis each carrier applies to your home.
Your wind and hail deductible is typically 1-2% of your dwelling coverage, separate from your standard deductible. On a $345,000 Arlington home, that's roughly $3,400 to $6,900 out of pocket before a hail claim is covered.
Often, yes. Carrier appetite for Arlington's roofs and rising rebuild costs shift year to year, and a policy set a few years ago may now be underinsured or overpriced. We re-shop across multiple A-rated carriers at the same coverage so the comparison is apples-to-apples.