Mid-1990s housing stock, mid-renter mix, and values around $400K — Lewisville is a neighbor-to-neighbor market and I write it like one.
Home insurance in Lewisville, TX comes down to a few things: mid-1990s housing stock and a majority-renter mix, 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 Lewisville's hail exposure keeps local rates above average. Bome Home Insurance Group is an independent, Lewisville-based agency serving Lewisville that compares multiple A-rated carriers to match owners and renters with the most competitive premium available, with a quote back within 24 hours.
| Typical home value | ~$413,000 owner-occupied; ~$378,500 area-wide (U.S. Census ACS) |
|---|---|
| Median year built | 1995-1997 |
| Ownership | ~46% owner-occupied - majority renter |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$4,000 at a $400,000 dwelling limit |
| 2% wind/hail deductible | ~$8,000 at a $400,000 dwelling limit |
| DFW hail frequency | 3–5 significant events/yr; 2023 storms ~$7–10B insured TX losses (95% hail)Source: Insurance Information Institute, 2023 |
| Recent local hail | May 1, 2026 - 1.5" hail, Denton County corridor |
| 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 I live here. Bome Home Insurance Group runs out of an office on State Highway 121, and Lewisville isn't a "market" to me — it's the neighborhood. I know the older sections near the lake, the 1990s build-outs around MCL Grand, the newer construction toward Castle Hills. They all need slightly different coverage conversations, and I'd rather have those conversations honestly than try to fit your house into a script.
Lewisville is also a majority-renter city, so this page is for owners, owners-who-rent-it-out, and the renters living in those properties. I write all three.
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 Lewisville households with two cars 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.
If you rent in Lewisville, I'll write you a renters policy in minutes. If you own a Lewisville rental, I'll get you on a landlord policy that actually protects the building and your rental income — and I'll get your tenant a renters policy if you want to require it. One conversation, the whole property.
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 Lewisville's hail exposure keeps local rates above average. 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 Lewisville's 1995-1997 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.
Your wind and hail deductible is typically 1-2% of your dwelling coverage, separate from your standard deductible. On a $400,000 Lewisville home, that's roughly $4,000 to $8,000 out of pocket before a hail claim is covered.
Yes. Lewisville has a large renter population, and your landlord's policy covers the building, not your belongings or your personal liability. Renters insurance is one of the least expensive policies we write, and it bundles with auto.
Yes. A homeowners (HO-3) policy is for the owner-occupant; a property you rent out belongs on a landlord policy (sometimes called DP-3), which covers the building, loss of rental income, and your liability as the landlord. We can quote both - and a renters policy for your tenant if you require one.