Baptiste Bidonde

What goes into your homeowners insurance premium?

The main factors that determine your premium and the cost of your insurance are:

Your home's location and the possibility to be affected by hurricanes, wildfires, tornados, flood, high winds, freezes or other natural disasters

The amount of coverage you need

The deductible you've selected

Your home's protective and preventative devices, such as monitored security systems and water leak detection devices

Your claims and/or bill-paying history

Your credit score

The unique characteristics of your home (age, features, etc.)

Why is my insurance so expensive?

While you can control some of the factors that affect the cost of your insurance like installing a security system or a water shut-off device, other factors like the increasing cost of repairs and the increasing number of weather events are out of your control.

Major storm events are increasing in frequency

Storms are much more severe and costly

Increasing costs of skilled labor, building materials and upgraded appliances

Reinsurance, which can be called insurance for your insurance company.

* If you think that you are overpaying, or you are, contact us today.

HOME HIGHLIGHTS

— Guaranteed Replacement Cost

With guaranteed replacement cost coverage, after a covered loss they will pay to have your home repaired or rebuilt to its original condition-even if the cost exceeds your policy limit. We will even pay for upgrades made necessary by the loss due to modern building codes.

— Cash Settlement

— Guaranteed Replacement Cost

In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, our carriers offer a cash settlement, up to your policy limit. The choice is yours.

— Actual Loss Sustained

If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, We will help you find a place to stay where you'll be comfortable, whether that’s at a similar home in your school district if available or a suitable hotel.

— Risk Consulting

— Actual Loss Sustained

Through complimentary home assessments, our highly trained risk consultants will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our risk consultants also assist with security and fire prevention advice.

HOME INSURANCE

2025 insight

WILDFIRE PREPARATION

Homeowners insurance

Overview

HOW WE CAN HELP

What goes into your homeowners insurance premium?

The main factors that determine your premium and the cost of your insurance are:

Why is my insurance so expensive?

While you can control some of the factors that affect the cost of your insurance like installing a security system or a water shut-off device, other factors like the increasing cost of repairs and the increasing number of weather events are out of your control.

HOME PROTECTION CREDITS

HOME HIGHLIGHTS

— Guaranteed Replacement Cost

— Guaranteed Replacement Cost

— Guaranteed Replacement Cost

— Cash Settlement

— Guaranteed Replacement Cost

— Guaranteed Replacement Cost

— Actual Loss Sustained

— Actual Loss Sustained

— Actual Loss Sustained

— Risk Consulting

— Actual Loss Sustained

— Actual Loss Sustained

Homeowners Insurance

We are ready to help protect your home

Homeowners Insurance in Dallas, TX

Hours

HOME INSURANCE

2025 insight

WILDFIRE PREPARATION

Homeowners insurance

Overview

HOW WE CAN HELP

What goes into your homeowners insurance premium?

The main factors that determine your premium and the cost of your insurance are:

Why is my insurance so expensive?

While you can control some of the factors that affect the cost of your insurance like installing a security system or a water shut-off device, other factors like the increasing cost of repairs and the increasing number of weather events are out of your control.

HOME PROTECTION CREDITS

HOME HIGHLIGHTS

— Guaranteed Replacement Cost

— Guaranteed Replacement Cost

— Guaranteed Replacement Cost

— Cash Settlement

— Guaranteed Replacement Cost

— Guaranteed Replacement Cost

— Actual Loss Sustained

— Actual Loss Sustained

— Actual Loss Sustained

— Risk Consulting

— Actual Loss Sustained

— Actual Loss Sustained

Homeowners Insurance

We are ready to help protect your home

Homeowners Insurance in Dallas, TX

Hours

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