Garland's median home was built in 1978. We help owners get fair coverage from carriers that understand 40+ year-old houses — and shop the market when one decides to walk away.
With a median build year of 1978, Garland has the oldest housing stock of any city we cover. Many homes still have original (or first-replacement) roofs, decades-old plumbing eras, and electrical panels that newer carriers won't insure without an upgrade. 68.4% of Garland housing units are single-family detached, and carrier eligibility on older homes has tightened across the Texas market in recent years.
That changes how an underwriter looks at your home. Roof condition reports, panel brand, polybutylene plumbing, knob-and-tube remnants in additions — these come up. The right policy isn't always the cheapest one quoted; it's the one that won't drop you the first time a hailstorm becomes a claim.
DFW averages 3 to 5 significant hail events per year, and 2023 alone produced an estimated $7–10 billion in insured Texas losses — 95% from hail. Texas had 1,123 hail events that year, more than any other state.
For a Garland home insured at $340,000 of dwelling coverage, your wind/hail deductible is typically 1% or 2% of that amount:
On older roofs paid at actual cash value rather than replacement cost, depreciation can shrink the carrier's payout below what a replacement actually costs today. Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For older Garland homes specifically, a strong auto policy in the bundle is sometimes the difference between a carrier accepting the house at all and walking away.
We'll quote it both ways — bundled and stand-alone — and show you the actual numbers. If bundling isn't your best deal, we'll tell you.