Median build year 1988, values in the mid-$400Ks, and roofs and systems hitting the wall together. We help owners get fair coverage at the right deductible.
Home insurance in Carrollton, TX comes down to a few things: 1980s-built homes whose roofs and systems are aging together, 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 Carrollton's older roofs keep rates elevated. Bome Home Insurance Group is an independent, Lewisville-based agency serving Carrollton 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 | ~$425,000-$445,000 (Redfin) |
|---|---|
| Median year built | 1988 |
| Ownership | ~59% owner-occupied |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$4,400 at a $435,000 dwelling limit |
| 2% wind/hail deductible | ~$8,700 at a $435,000 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.
Carrollton sits in a quieter spot than its neighbors: 58.2% single-family detached, 58.6% owner-occupied, with a median build year of 1988. That puts most homes squarely in the aging-stock zone — first or second roof, original or once-replaced HVAC, plumbing eras that vary by subdivision. None of that's unusual; what's unusual is how many policies have drifted out of date as values moved up.
The two questions we open every Carrollton review with: is your dwelling coverage actually equal to what it'd cost to rebuild today, and is your roof being settled at replacement cost or actual cash value? Get those right and the rest is paperwork.
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.
Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline. On older roofs paid at actual cash value, depreciation can shrink the carrier's payout below 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 mid-tenure Carrollton households with two cars and a clean loss history, the savings tend to land toward the higher end of that range.
We quote it both ways — bundled and stand-alone — and show you the math. If bundling isn't your best deal, we'll say so.
With home + auto bundled, adding $1 million of umbrella liability typically runs $200–$400 a year. For Carrollton owners with appreciated equity, it's some of the most cost-effective protection on the menu.
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 Carrollton's older roofs keep 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 Carrollton's 1988 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 Carrollton. 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 $435,000 Carrollton home, that's roughly $4,400 to $8,700 out of pocket before a hail claim is covered.
Often, yes. Carrier appetite for Carrollton'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.