Whether you own a house, condo, townhouse or rent an apartment, your home is your castle. Your residence contains your personal belongings and many memories past, present and future. Homeowner and property insurance provide the means to begin recovery in the event of a tornado, fire or theft. Independent home insurance cannot replace everything, but it helps. 
The North Texas area has stormy weather. Fort Worth and Tarrant county have been hail challenged for many years. Because of past weather events insurance carriers move in and out of the market. Insurance companies typically raise prices and deductibles. The North Texas homeowner market changes each year. As an independent home insurance agency, we monitor the carriers to find the best price, terms and conditions. Many insurance companies use a depreciation schedule for roofs. Some companies still offer replacement cost. It is important to know the difference. The button below will offer videos explaining about homeowner coverage.