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.
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.