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.
Home insurance in Garland, TX comes down to a few things: the area's pre-1980 housing stock and aging roofs, 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 Garland's older roofs keep claims and rates elevated. Bome Home Insurance Group is an independent, Lewisville-based agency serving Garland 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 | ~$320,000-$360,000 (market estimate) |
|---|---|
| Median year built | 1978 |
| Ownership | ~62% owner-occupied |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$3,400 at a $340,000 dwelling limit |
| 2% wind/hail deductible | ~$6,800 at a $340,000 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.
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.
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 Garland's older 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 Garland's 1978 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 Garland. 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 $340,000 Garland home, that's roughly $3,400 to $6,800 out of pocket before a hail claim is covered.
Often, yes. Carrier appetite for Garland'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.