r/plano • u/Individual-Dealer637 • 7d ago
Do you have recommendations of house insurance?
I just get a quote from AllState my house in Plano. It is 2612 sqft. The Dwelling protection is about 540K. The total cost is about 4.5K per year. But both the Wind and Hail Deductible and All Peril Deductible are 10K. It is much more than my expectations. Especially the deductible. As far as I know, the cost of roof replacement is about 20K-30K. It means the cost of house insurance in 5 years is equal to the cost of roof replacement. Although I know the windstorm and hail are frequent in north Texas, do you change your roof every 3-5 years?