Big square footage, custom finishes, percentage deductibles in the $16K+ range. We help owners find the carriers that actually write this market correctly.
Prosper sits at the top of the DFW value range we serve — typical home around $824K, mostly newer construction with upgraded finishes, structural options, and outdoor-living additions that move the rebuild cost well above the base contract price. The biggest mistake we see on Prosper policies is a dwelling limit set off the builder's original estimate, not the home you actually ended up with.
The second-biggest issue: liability and umbrella that haven't kept pace with the equity behind the home. At $800K+ values, a $1M umbrella is the starting point, not the ceiling.
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. We model both scenarios at your home's real numbers before you sign — at this value tier, the difference between deductible choices is meaningful both monthly and after a storm.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For Prosper households with multiple cars, teen drivers, 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.
With home + auto bundled, $1 million of umbrella liability typically runs $200–$400 a year. For Prosper households with $800K+ equity, retirement savings, and teen drivers, $2M or $3M is often the right number — the incremental cost above $1M is modest, and the gap above standard liability limits is what an umbrella exists to close.