An established core in the high-$300Ks and a Tribute build well into seven figures. We help owners on both sides set coverage that fits the home — not the city average.
The original sections of The Colony — the 1980s and 1990s build-outs east of Lake Lewisville — look a lot like neighboring Lewisville and Carrollton: aging roofs, aging systems, and dwelling limits that have quietly fallen behind today's rebuild cost.
The Tribute is a different conversation entirely. Newer construction, golf-course and lakefront views, finishes and square footage that put a lot of homes well above $1 million. At those values, the wind/hail deductible (usually a percentage of dwelling) is a five-figure check, and not every carrier writes the terms a luxury home actually needs. We handle both — and we'll be honest about which one you're really in.
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 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 households in The Colony 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.
With home + auto bundled, adding $1 million of umbrella liability typically runs $200–$400 a year. For Tribute homeowners with significant equity, retirement savings, and teen drivers in the mix, $2M or $3M may be the right number — and we'll walk through that math too.