Homeowners Insurance · Lewisville, Texas

Our office is in Lewisville. Your insurance should fit our streets.

Mid-1990s housing stock, mid-renter mix, and values around $400K — Lewisville is a neighbor-to-neighbor market and I write it like one.

Why this page is in first person

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.

What we'll review with you

  • Replacement-cost limitWhat it would actually take to rebuild your home today.
  • Roof age + settlement basisRCV vs. ACV, and which carriers write at your roof's age.
  • Landlord vs. homeowners policyIf you own a rental, the policy type that actually covers it.
  • Wind/hail deductible mathThe dollar figure at your dwelling limit.
  • Liability and umbrellaWhat you've got — and what's missing.
Quote my Lewisville home

Hail, wind, and Lewisville deductible math

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.

For a $400,000 Lewisville dwelling limit

  • 1% deductible: ~$4,000out of pocket before the carrier pays anything on a hail claim.
  • 2% deductible: ~$8,000out of pocket. Lower monthly premium, much bigger check after a storm.

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.

Bundle home + auto and save

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.

Renters and landlords too

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.

Frequently asked questions

My Lewisville home is from the mid-1990s — what's that mean for my coverage?
By now most mid-1990s Lewisville homes are on their second roof, with original or once-replaced major systems. Carriers typically shift roofs past 15 or 20 years from replacement-cost settlement to actual cash value, which is where claim disappointment usually starts. I'll tell you exactly where each carrier currently draws the line for a home like yours.
I own a rental property in Lewisville — is that a different policy?
Yes. A homeowners (HO-3) policy is written for the owner-occupant. A property you rent out belongs on a landlord policy (sometimes called DP-3), which handles the building, loss of rental income, and your liability as the landlord. Your tenant carries their own renters insurance for their belongings. I can quote both sides — and a renters policy for your tenant if they need one.
Renters insurance in Lewisville — is it actually worth it?
For most Lewisville renters, yes. It covers your belongings against theft and most disasters, gives you liability coverage if someone gets hurt in your unit, and pays for somewhere to live if your apartment becomes uninhabitable. It's typically one of the cheapest policies we write — and most landlords now require it.
What's the deductible math on a typical Lewisville home?
At a $400,000 dwelling limit, a 1% wind/hail deductible is about $4,000 out of pocket per claim; a 2% deductible is about $8,000. Lower premiums come with higher deductibles — I'll model both at your actual numbers so the choice isn't a guess.
How do you actually shop my Lewisville home?
We're independent, so I pull quotes from multiple A-rated carriers using the same coverage limits and deductibles, then walk through the side-by-side with you. The goal isn't the lowest premium — it's the carrier whose terms (RCV vs. ACV, roof age cutoffs, water damage limits) actually fit your home.

Get a Lewisville home quote in minutes

Tell me about your home and I'll show you what your current policy is missing.