Core coverage
Dwelling, other structures (fence, shed), personal property, loss of use, and personal liability — plus optional water backup, jewelry scheduled coverage, and service line coverage.
Home Insurance · Carrollton & DFW
Home Insurance tailored for North Texas.
Coverage that protects your home, belongings, and future.
Independent agency
Home Insurance
- 200+ A-rated carriers
- Plain-English comparisons
- Dedicated local advisor
- Annual renewal reviews
What it covers
Protection built for real driving situations.
Flexible limits
Limits and deductibles matched to your assets and budget—not a one-size template.
Local guidance
A dedicated Carrollton advisor who knows your file at renewal and claim time.
Why it matters
The right limits protect more than the policy name suggests.
North Texas hail, wind, and freeze claims are the most common. Coverage limits, deductibles, and replacement cost vs ACV settlement dramatically change your out-of-pocket after a claim.
Who needs it
Built for how you actually live and drive.
Who this fits
Every homeowner — mortgage lenders require it, but condo and rental property owners need specialized HO-6 and DP-3 policies, not standard HO-3.
DFW households
Families and professionals across Carrollton, Richardson, Plano, and Dallas.
Growing needs
Coverage that scales when assets, staff, or properties change.
Switching carriers
We re-shop at renewal so you are not auto-renewed into a higher rate.
Common mistakes
Gaps we see on policies every week.
Avoid these before renewal—or before a claim teaches the lesson the hard way.
Insuring for market value instead of replacement cost, ignoring wind/hai
Insuring for market value instead of replacement cost, ignoring wind/hail deductibles, undervaluing personal property, and missing service line or water backup endorsements.
How we help
How Curtis Caster helps
We pull reconstruction estimates, check roof age and material, evaluate wind/hail deductible options across carriers, and bundle with auto for maximum savings.
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Discovery
30-min conversation: assets, goals, risk tolerance.
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Risk mapping
Document exposures across life, property, business, and liability.
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Structured options
Three carrier options compared on coverage, price, and limits.
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Annual reviews
Re-evaluated yearly and whenever your situation changes.
FAQ
Home Insurance — questions we hear most.
My roof is 15 years old — can I still get coverage?
Yes, though some carriers move older roofs to actual cash value settlement. We know which carriers still offer replacement cost on older roofs in your zip code.
What is a wind/hail deductible?
A separate, usually higher deductible (often 1-2% of dwelling) that applies only to wind and hail claims. Worth tuning carefully in DFW.
Do I need flood insurance in Carrollton?
Most of Carrollton is low-risk, but standard home policies exclude flood. We check your FEMA flood zone and recommend coverage when it makes sense.
Get started
Request your free home insurance quote.
Most requests receive a response within one business day.
- No obligation
- No spam
- Licensed Texas advisors
Prefer to call? (214) 619-1700
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