Insurance in the Dallas–Fort Worth Metroplex
Stover & Crouch helps families, business owners, farmers and ranchers across the Dallas–Fort Worth Metroplex, including Dallas, Fort Worth and surrounding communities. We offer a full range of home, auto, business, farm and ranch insurance options. Work with our Texas-based independent agency by phone, email or online.
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What do you need to insure?
Explore personal, business, farm and ranch insurance throughout Texas. Start with the coverage you need.
Risks in the Metroplex
Spring brings hail and tornadoes to the Metroplex nearly every year. Choose a risk for what the record shows and the question to ask.
Facts of record from the National Weather Service and NOAA; the questions follow Texas Department of Insurance guidance.
The Mayfest storm of May 1995 dropped softball-sized hail on Fort Worth and remains one of the costliest hailstorms on record, and the April 2016 storm in Wylie damaged about 80 percent of the homes in town.
What to askMany Texas home policies set a separate wind and hail deductible as a percentage of the dwelling limit, and 2 percent of a $350,000 limit is $7,000 before a roof claim pays, so ask what yours is and whether the roof is paid at replacement cost or actual cash value. A hailed car is a comprehensive claim, so ask whether every vehicle carries it.
Bring this question to us: Get a quote or call (936) 348-2688.
Severe weather in the Metroplex peaks in spring.
The October 2019 Dallas tornado, an EF3, caused more than $2 billion in insured losses.
What to askAsk whether the dwelling limit would rebuild the house at today’s prices, and what the policy pays for somewhere to live while it is rebuilt.
Bring this question to us: Get a quote or call (936) 348-2688.
April and May bring the most tornadoes to North and Central Texas.
The same storms fill creeks and underpasses fast; the rain behind the Mayfest hail flooded Dallas County streets the same night.
What to askHomeowners insurance generally does not cover flooding, and a creek or an underpass does not have to sit in a mapped flood zone to fill, so ask about a separate flood policy; most carry a 30-day wait.
Learn about flood insurance.
Bring this question to us: Get a quote or call (936) 348-2688.
Bring the details that matter
Bring the details relevant to your situation. You can start a conversation even if you do not have every document.
- Your current policies or renewal notices, if you have them.
- The addresses, buildings, vehicles or equipment you want to insure.
- How the property and vehicles are used, including any business, farming or ranching activities.
- Recent changes, your main questions and when you need coverage to start.
County insurance guides
Explore local property, business and coverage questions, with information for communities throughout each county.
Texas resources
Talk it through with our team
We’re a Texas-based independent agency, established in 1920. Tell us what you need to insure, and we’ll review the options that may be available for your situation.
Coverage depends on the insurer, policy terms, and your circumstances.
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