Older housing stock, mixed ownership, value tier around $320K. Homeowners, landlord, and renters — we write all three.
Irving is the most renter-heavy city we serve in the metroplex, with owner-occupancy down near the bottom of the DFW range. That makes it a three-policy market: homeowners for the owner-occupants, landlord (DP-3) for the owners who rent out, and renters insurance for the tenants in those properties. We quote all three — often in the same conversation.
On the owner-occupied side, the headline issue is housing-stock age. A lot of Irving homes are 40 to 50 years old now, which puts roofs, plumbing, and electrical on carrier watchlists. The job is finding the carriers that still treat those homes fairly instead of pricing them out.
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 Irving 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.
Irving rents at higher rates than most of DFW. We write renters policies for tenants and landlord policies for the owners of those properties — often in the same conversation. One agent, the whole property.