If you own a home in Denton County, you’ve probably noticed that homeowners insurance isn’t what it used to be. Premiums are up sharply, deductibles are changing, and the carriers available to you depend more than ever on who’s shopping on your behalf. We’ve been helping North Texas families since 1991 — here’s what you need to know right now.

Premiums Have Risen — A Lot

Texas home insurance premiums rose 21% in 2023 and another 19% in 2024, according to the Texas Department of Insurance — a cumulative jump of over 54% in five years, one of the steepest in the country. Average annual premiums now commonly exceed $4,000, driven by severe weather losses, rising construction costs, and carriers reassessing North Texas risk.

Denton County Is High-Risk Hail Territory

The DFW corridor is one of the most hail-active regions in the country. Three things have quietly changed in most North Texas policies:

• Wind/hail deductibles are now typically 2% — on a $350,000 home, that’s $7,000 out of pocket before insurance pays.
• Older roofs may only be covered at Actual Cash Value (ACV), not full Replacement Cost — a difference of thousands at claim time.
• Some carriers are exiting or limiting coverage in certain North Texas ZIP codes entirely.

Four Things Worth Checking on Your Policy Today

• Dwelling limit: Does it reflect today’s rebuild costs, not your purchase price?
• Wind/hail deductible: Is it 1%, 2%, or higher? Did it change at last renewal?
• Roof settlement: Replacement Cost or Actual Cash Value?
• Flood coverage: Standard policies don’t cover flooding. Denton County drainage patterns have shifted with new development — ask if a separate flood policy makes sense.

Why an Independent Agent Makes a Difference

Not all carriers price the same home the same way — and that gap is wider than ever in 2026. As an independent agency, Neal & Neal represents 80+ carriers, so we shop the full market for you instead of handing you one option. We also do annual policy reviews so you’re never caught off guard at renewal. If your premium jumped, bundle discounts, deductible adjustments, and carrier alternatives can often bring it back down.

Neal & Neal Insurance | Independent Insurance Agents | Denton, Texas

940-387-8281   •   dan@nealins.com   •   nealins.com   •   4202 N. I-35, Denton TX 76207

30+ years serving Denton County. 75+ years combined experience. 80+ carriers.
940-387-8281 • dan@nealins.com • nealins.com • 4202 N. I-35, Denton TX 76207
Serving TX, GA, CO, OK & NM