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Arlington, TX
In Arlington, the roof is the part of your home policy that matters most. Dragon Insurance quotes your house with Liberty Mutual, which now includes Safeco, shows your wind and hail deductible in real dollars, and prices it together with your car so you see the bundled total on one call.
Call for a quote on the spot. Online requests answered within 1 hour on business days.
Quick Answer
Is homeowners insurance required in Texas? Not by state law, according to the Texas Department of Insurance, but your mortgage lender can require it and almost always does. In Arlington, the number to check first is your wind and hail deductible, because hail is the claim most likely to land on your roof. Call 717-229-5115 and we quote it in dollars.
Three facts decide what an Arlington home policy actually pays after a storm.
Six parts of a homeowners policy, and how each one plays out after a North Texas storm.
Dwelling
Pays to repair or rebuild the house itself. We set the limit on what it costs to rebuild in Tarrant County today, not on what you paid for the home.
Wind and hail
The coverage that answers a spring storm. Check two things on every quote: the wind and hail deductible, and whether the roof settles at replacement cost or actual cash value.
Other structures
Covers the fence, detached garage, or backyard shed. Hail rarely stops at the roofline, so these items often show up on the same claim as the house.
Personal property
Covers furniture, electronics, and clothing if a covered loss damages them. Ask for replacement cost on belongings so a claim pays for new items, not garage-sale value.
Liability and medical payments
Pays when a guest is hurt at your home or you damage someone else's property. For more protection than the home policy holds, we add an umbrella.
Loss of use
Pays for a hotel, meals, and other added living costs if storm damage makes the house unlivable while the roof or walls are rebuilt.
Want every coverage option explained in one place? Compare home insurance quotes on our main home page, or add extra liability with an umbrella policy quote.
These points come from the Texas Department of Insurance, which regulates every home policy sold in Arlington.
Law and lender
Gaps to close separately
Wondering why premiums keep climbing across Texas? Read why home insurance rates are rising in 2026, or start with our homeowners insurance guide.
Hail is the claim most Arlington homes eventually file, so we build every quote around it.
Curious how the Safeco name change affects your policy? See our Safeco and Liberty Mutual review. Pricing the car too? Add it with Arlington auto insurance quotes, or browse every policy we write on our Arlington insurance page.
What Tarrant County homeowners ask us before they switch or buy.
Not by state law. The Texas Department of Insurance says the law does not require home insurance, but if you still owe money on your home, your lender can require it, and nearly every mortgage does. If your home sits in a designated flood zone, the lender will also require a separate flood policy. Call 717-229-5115 and we quote the coverage your lender lists, so your closing or escrow is not held up.
There is no single Arlington price. Your premium moves with the cost to rebuild the house, the age and material of the roof, your claims history, and above all the wind and hail deductible you pick. Call 717-229-5115 and we price your actual home at more than one deductible, so you can see how much each step up in deductible lowers the premium before you choose.
It is a deductible set as a percentage of your dwelling coverage instead of a flat dollar amount. The Texas Department of Insurance gives this example: on a home insured for $150,000, a 5 percent deductible is $7,500, so a $6,500 roof repair would pay nothing. Many Texas policies carry a separate, larger deductible just for wind and hail. We show every deductible option in dollars on your quote.
It depends on how your policy settles roof claims. Replacement cost coverage pays to repair the roof at current prices, while actual cash value subtracts depreciation, and the Texas Department of Insurance notes that some companies switch older roofs to actual cash value. No policy pays for a roof only because it is old or worn out. Tell us your roof's age and material and we quote the strongest roof terms your home qualifies for.
No. Most home policies do not cover flood damage, so rising water from a storm needs a separate flood policy from the National Flood Insurance Program or a private insurer. The Texas Department of Insurance says most flood policies take about 30 days to start, so buy before storm season, not when rain is already in the forecast. We quote flood on the same call as the home.
An older roof or recent hail claims can make a home harder to place. The Texas Department of Insurance says the Texas FAIR Plan Association sells basic home insurance to Texans who cannot find a licensed insurer willing to cover them, once at least two companies have declined. Call us first: we quote the standard market on your home and tell you plainly what a roof replacement would change.
Yes. Liberty Mutual, which now includes Safeco, writes both home and auto in Texas, so we quote your house and your cars together and show whether the multi-policy discount lowers your total. If your car prices better elsewhere, we compare that too on our Arlington auto page, so you see both options before you choose.
Yes. Dragon Insurance is licensed in Texas and quotes Arlington, Grand Prairie, and Mansfield homes by phone and online, with no office visit needed. Have your address, the year the house was built, and your roof's age ready, and we can usually price the home on the first call. Once you bind, we send proof of coverage to your lender.
Texas ranked first with 902 major hail events (1 inch or larger) in 2025, from NOAA Storm Prediction Center data.
Percentage deductible example: 5 percent on a $150,000 home is $7,500, and a $6,500 roof repair pays nothing.
Replacement cost versus actual cash value, and companies switching older roofs to actual cash value.
No legal requirement, lender requirements, flood exclusion and 30-day start, Texas FAIR Plan eligibility.
Sources checked October 2026.
Arlington, TX
Have your address, the year the house was built, and your roof's age and material handy. We quote the home and your car together and send proof of coverage to your lender once the policy is bound.
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