Freedom Insurance Group is an independent Texas agency based in Flower Mound. These videos introduce our Texas home, auto, and business insurance help. Under each video is a short guide to what Texas policies usually cover, what they often exclude, and when to call the office.
Licensed in Texas (#1325461). Office: 3861 Long Prairie Rd Ste 110, Flower Mound, TX 75028. Call or text (972) 798-3769.
Texas Home and Auto Insurance Quotes
Most Texas households buy home and auto together. Bundling can lower the combined premium, but the bigger issue is matching the policy to Texas risk: hail, wind, water, liability minimums, and rebuild cost. Watch the video, then use the notes below before you request a quote.
What Texas homeowners should check
- Dwelling limit should track current rebuild cost, not purchase price.
- Standard home policies usually do not cover flood. Separate flood coverage is often needed.
- Coastal and some Harris County properties may need separate wind/hail through TWIA if the private market will not write it.
- Hail and wind deductibles in Texas are often a percentage of the dwelling limit, not a flat dollar amount.
What Texas drivers should check
- Texas minimum liability is commonly described as 30/60/25. That is often too low after a serious injury claim.
- Liability pays others if you cause a crash. Collision and comprehensive pay for your vehicle.
- TexasSure can flag lapses when you register or renew a vehicle.
Request a Texas home and auto quote at planforfreedom.com.
Texas Home Insurance Quotes
Texas home insurance is priced around weather, construction, claims history, and how close the home is to fire protection. This video is a short introduction to getting a Texas homeowners quote through Freedom Insurance Group.
Common Texas home-policy questions
- Does a Texas home policy cover hail? Often yes for sudden hail damage to the dwelling, subject to the deductible and any roof limitations.
- Does it cover flood? Usually no. Ask about NFIP or private flood.
- Does it cover a home-based business? Only in a limited way. Inventory, customer visits, and business liability often need a business policy or endorsement.
- Replacement cost vs. actual cash value: Replacement cost pays to repair or replace without subtracting depreciation. ACV pays less on older items such as roofs.
Texas Home and Auto Insurance
An independent Texas agency can compare more than one carrier. That matters when one company is pulling back from hail-heavy ZIP codes or raising deductibles. This video points Texas shoppers to Freedom Insurance Group for home and auto options.
Have your current declarations pages ready: address, year built, roof age, vehicles, drivers, and any recent claims. Those details change the quote more than a generic “cheapest Texas insurance” search.
Texas Business Insurance Quotes
A personal home or auto policy is not built for Texas business risk. Contractors, shops, landlords, and home-based businesses usually need general liability at minimum. Many firms use a business owners policy (BOP). Vehicles used for work may need commercial auto. Employees can trigger workers compensation rules.
Texas business coverage to review
- General liability for injury or property damage claims tied to operations
- Business property for equipment, inventory, and tenant improvements
- Commercial auto if a vehicle is used for deliveries, jobsites, or client visits
- Workers compensation when you have employees, based on Texas rules for your situation
- Certificates of insurance if a landlord or general contractor requires specific limits
Texas insurance questions these videos do not replace
The clips are short introductions. For policy language, exclusions, and a comparison across carriers, talk with the Flower Mound agency. Coverage depends on the carrier, form, endorsements, and the facts of a claim.
Call (972) 798-3769 or start online at planforfreedom.com.
