Independent Insurance Agency Serving Arlington, TX

Texas law requires carriers to offer Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage with every auto policy, but drivers may reject this coverage in writing under Texas Insurance Code Section 1952.101. Approximately 14 percent of Texas drivers are uninsured. Given that rate, rejecting UM coverage carries real financial risk. We explain the trade-offs during every quote.

Texas is one of the most expensive states for homeowners insurance, largely because of hail damage, severe thunderstorms, and tornado risk. Arlington homeowners insurance costs vary widely by home age, construction type, roof condition, and carrier. We compare 30 plus carriers to find the most competitive rate for your specific property and location.

Texas is an at-fault state. When an accident occurs, the driver who caused it is responsible for paying the other party's damages through their liability coverage. Unlike no-fault states, Texas drivers can sue the at-fault party for damages beyond what insurance covers. This makes having adequate liability limits especially important.

The DFW metro sits within one of the highest-hail-risk zones in the United States. Baseball-sized hail events occur multiple times per decade across Tarrant County. Standard homeowners insurance covers hail damage, but wind and hail deductibles vary by carrier and can significantly affect your out-of-pocket cost after a storm. We review your deductible structure and coverage limits during every home insurance quote.

Most Arlington small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Texas does not mandate workers compensation, but most carriers and clients require it. Service businesses should consider Professional Liability. We identify the right combination for your industry.

Yes. Renters insurance covers your personal belongings against theft, fire, hail, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. The building structure is your landlord's responsibility. Arlington renters insurance typically costs $15 to $25 per month depending on your coverage limits.

Yes. Dragon Insurance is licensed in Texas and serves clients throughout the DFW metroplex including Fort Worth, Irving, Grand Prairie, Mansfield, Euless, Bedford, and Grapevine. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.