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Weather and property-related risks are no strangers to Fort Worth homeowners. Based on data from local insurers and filed reports, these three claim types appear most frequently:
Knowing where most claims originate can help you assess if your current policy includes the coverage and limits you actually need.
A few simple upgrades and safety features might lower your rate more than expected. Ask yourself:
| Discount Opportunity | Do You Have It? |
|---|---|
| Security System Installed | ✅ / ❌ |
| Working Smoke Detectors | ✅ / ❌ |
| Deadbolt Locks on All Doors | ✅ / ❌ |
| Fire Extinguisher in Home | ✅ / ❌ |
If you can check off at least two of these, you may already qualify for a more favorable rate. It’s worth speaking with an independent agent to explore every discount that fits your situation.
Combining policies under the same insurance provider can often result in substantial price breaks. Some carriers reduce the total cost 5% to 15% when you insure both your home and vehicle with them.
That said, compare the total cost of bundled coverage with the cost of separate policies from different companies. In some cases, keeping them apart may work in your favor—Richey Insurance Agency can do that shopping for you across 100+ carriers.
No law requires it, but if you financed your home with a mortgage, your lender will expect full coverage—typically matching the total replacement value of the property.
Most Texans carry an HO-3 policy. It covers the structure of the home against all risks except those clearly excluded, and offers named-peril coverage for personal belongings.
It’s the amount you’ll pay from your own pocket before your insurer contributes to a covered loss. For example, with a $2,000 deductible on a $10,000 repair, your insurance would pay $8,000.
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