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Hailstorms, flash floods, and sudden desert downpours are a reality for El Paso homeowners. Between 1950 and 2010, the area saw over 400 extreme weather events, including 148 hailstorms and 115 flood events. These aren’t rare occurrences; they’re part of life in West Texas.
That’s why choosing coverage with disaster risks in mind matters. A strong policy should do more than meet lender requirements; it should help avoid large out-of-pocket repairs after a major storm. Whether it’s a cracked roof from hail or a soaked foundation after a monsoon, having the right protection in place before the damage happens is key.
Yes. Many insurers offer discounts for combining your home and auto policies under one provider. In El Paso, bundling typically reduces your overall premium by around 7% per year.
Rates can vary based on a few local and personal factors:
A standard policy will cover water damage caused by sudden accidents, such as a pipe bursting or a water heater failure. Damage caused by flooding or poor maintenance won’t be covered. If your home is near flood zones or has a history of seepage, adding flood insurance is a smart move.
Yes. A lower credit score may raise your premium, but it won’t prevent you from getting coverage. An independent agency can help compare options that fit your budget.
It’s not required by Texas law, but going without it leaves your property fully exposed. Fire, theft, and storm damage can turn into major financial setbacks without a policy in place, even if your mortgage is zero.
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