I'm next door in Lewisville and Highland Village is one of my favorite books of business. Long-tenured owners, lake-adjacent streets, real coverage stakes.
Home insurance in Highland Village, TX comes down to a few things: 1980s-90s luxury homes on their original or second 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 Highland Village's higher home values push replacement costs - and premiums - above the state norm. Bome Home Insurance Group is an independent, Lewisville-based agency serving Highland Village 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 | ~$558,000-$600,000 (market estimate) |
|---|---|
| Median year built | 1980s-90s |
| Ownership | ~75-78% owner-occupied |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$5,800 at a $580,000 dwelling limit |
| 2% wind/hail deductible | ~$11,600 at a $580,000 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.
Because Highland Village is small enough that you can actually know it. I drive through the older sections off FM 407, the lake-adjacent streets near Doubletree Ranch Park, and the newer build pockets every week. People stay in Highland Village — and a lot of policies haven't been re-shopped since the home was bought.
What I'm usually fixing: dwelling limits that haven't kept up with rebuild costs, roofs that have aged into actual-cash-value settlement without the owner realizing, and umbrella coverage that's missing entirely on $500K+ equity. Three quick fixes, real money, no drama.
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. I'll 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 Highland Village households with multiple cars, teen drivers, and a clean loss history, the savings tend to land toward the higher end of that range.
I quote it both ways — bundled and stand-alone — and show you the math. If bundling isn't your best deal, I'll say so.
With home + auto bundled, adding $1 million of umbrella liability typically runs $200–$400 a year. For Highland Village households with $500K+ equity, retirement savings, and teen drivers, it's one of the most efficient protection upgrades on the menu — and most clients I review don't have it yet.
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 Highland Village's higher home values push replacement costs - and premiums - above the state norm. Because we're independent, we compare multiple A-rated carriers to find your most competitive premium.
Your wind and hail deductible is typically 1-2% of your dwelling coverage, separate from your standard deductible. On a $580,000 Highland Village home, that's roughly $5,800 to $11,600 out of pocket before a hail claim is covered.
Extended replacement cost adds a cushion (often 25-50%) above your dwelling limit so a total loss is covered even if rebuild costs spike. On Highland Village's higher-value homes, where rebuilds run well above average, it's usually worth carrying. We'll show you the cost of adding it.
If you own a higher-value Highland Village home, your assets likely exceed standard home and auto liability limits. A personal umbrella policy adds liability protection above those limits, usually for a modest premium. We size it to what you actually need to protect.
An older roof isn't automatically uninsurable, but on Highland Village's 1980s-90s 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.