Compare home insurance with one local agent.
Renewal went up? D. King Agency is an independent agency, so Damita King can compare homeowners options from multiple insurance companies and explain the differences, from roof coverage to deductibles, in plain language.
- Free quote with no obligation to switch
- Options from multiple carriers in one conversation
- Licensed Texas agent with 15+ years of insurance experience
- Have a car too? Ask us to review home and auto together
Damita King, D. King Agency
Your quote request goes straight to Damita.
Get your free home quote
Two quick steps, about a minute. No property address or Social Security number needed to start.
Good times to get a second look.
Most people don't review their homeowners policy until the renewal notice arrives. These are the moments when comparing options tends to matter most.
Your renewal went up
A higher premium, or a higher deductible you didn't expect, is a good reason to compare your current coverage against other companies' options.
Buying a home
If you have a mortgage, your lender will require home insurance before closing. Start early so you have time to compare instead of taking the first quote.
Nonrenewal or cancellation notice
If you ask, the company must tell you in writing why it didn't renew. Start shopping right away so there's no gap in coverage.
New roof or home updates
A newer roof, an impact-resistant roof or a monitored alarm can affect your premium with some companies. It's worth asking whether your policy reflects them.
Home and auto together
We can review both policies at once and ask about available multi-policy discounts with the companies we represent.
Sound familiar?
Start with two quick steps, or call and talk it through with Damita.
Lender and nonrenewal details: Texas Department of Insurance, Home insurance guide. Discount availability varies by company.
What's different about an independent agent?
A single-company agent can only offer that company's policies. An independent agency can compare options from several insurance companies it represents, which helps when companies price homes and roofs differently.
Represents one company
- Offers policies from the company they represent
- Comparing other companies is something you do separately
- Can be a good fit if you already know the company you want
Options from multiple carriers
- Represents several insurance companies
- Options compared side by side: coverage, deductibles, roof terms and price
- The same agent to call when your needs change
Carrier availability varies by coverage, location and eligibility. Not every carrier offers every product. Quotes are subject to underwriting and carrier approval.
Insurance is personal. Your guidance should be, too.
Choosing a policy means weighing price, protection and what matters most to you. Damita King brings more than 15 years of insurance experience to that conversation. At D. King Agency, you can ask questions, explore options from multiple insurance companies and get coverage explained in everyday language.
Four things North Texas homeowners should know.
Two policies with similar premiums can pay very differently after a storm. These are the details that matter most here, and the ones we check first on every quote.
Texas leads in major hail
Texas has had more major hail events than any other state for 10 straight years, with 878 in 2024. Tarrant County ranks among the state's most hail-prone counties.
How your roof gets paid
Replacement cost pays at today's prices. Actual cash value subtracts depreciation. On a 10-year-old roof, that can mean paying thousands more yourself.
Insure to rebuild
Most companies require a home to be insured for at least 80% of its replacement cost, and some require 100%. Market value and rebuild cost aren't the same number.
Isn't in most home policies
Flood damage needs a separate policy, and most flood policies have a 30-day waiting period. Floods can happen outside designated flood zones.
Sources: Insurance Institute for Business & Home Safety and NOAA data, via Roofing Contractor; Texas Department of Insurance, Home insurance guide.
What a homeowners policy can help cover.
A homeowners policy should do more than satisfy a lender requirement. Most Texas home policies combine these six coverages, each with its own limit.
Dwelling
Helps protect the structure of your home after a covered loss, such as fire, wind or hail.
Other structures
Helps repair structures not attached to your house, such as a detached garage, storage shed or fence.
Personal property
Helps cover furniture, clothing and other belongings that are stolen, damaged or destroyed by a covered loss, subject to limits.
Additional living expenses
May help with rent, food and other extra costs if you have to move out while covered damage is repaired.
Personal liability
Helps protect you if you're legally responsible for injuring someone or damaging their property, including court costs.
Medical payments
Helps pay medical bills for guests hurt on your property, and some injuries away from home.
Common gaps we look for.
Not all homeowners policies are built the same. These optional protections are often not included in a standard policy, and they're where many surprises happen at claim time.
Water backup
Helps cover certain damage from water backing up through drains, sewers or a failed sump pump. Typically not included in a standard policy.
Foundation and slab
Some companies offer an endorsement for certain foundation or slab damage, such as from a plumbing leak under the slab.
Ordinance or law
Helps with added costs to repair or rebuild to current building codes after a covered loss. Especially important for older homes.
Extended replacement cost
Can add protection if rebuilding costs more than your dwelling limit because construction costs went up.
Service line
Helps cover certain damage to underground water, sewer, gas or electrical lines running from the street to your home.
Equipment breakdown
Helps cover certain sudden mechanical or electrical breakdowns of systems like HVAC units, water heaters and electrical panels.
Scheduled personal property
Broader protection for jewelry, collectibles, cameras and other higher-value items that may have limited standard coverage.
Loss assessment
May help cover your share of certain losses assessed by a homeowners association, such as damage to common areas.
Identity theft
May help cover certain expenses of restoring your identity after it has been compromised.
Optional coverages are generally available for an additional premium. Availability, limits and terms vary by insurance company.
What affects your price, and what to ask about.
Underwriting rules differ by company, so companies can make different decisions and charge different rates for the same home. That's why comparing more than one company is worth the call.
Age and condition of the home
A company can't turn you down just because of your home's age or value, but it can charge more.
Replacement cost and materials
Homes that cost more to rebuild cost more to insure. Brick and stone generally price lower than all-wood construction.
Where you live
Premiums are higher in areas with more storms or crime, and lower close to fire stations.
Claims history
Most companies check CLUE reports, which show claims on both the person and the house for the last seven years.
Credit-based insurance score
Some companies use credit information. In Texas, a company can't turn you down or charge more based only on your credit score.
Discounts worth asking about
Each company decides which discounts it offers and how much they're worth. We'll ask about the ones that apply to you.
- Home and auto with the same company
- Impact-resistant roof
- Monitored burglar or fire alarm
- Sprinkler system
- Newer home or home in good condition
- No claims for three years in a row
Source: Texas Department of Insurance. Availability and amounts vary by company and eligibility.
What we'll review with you.
This isn't only about finding the lowest premium. It's about making sure your coverage fits your home and your situation before a storm tests it.
Your quote checklist
- Is the home insured for what it would cost to rebuild?
- Replacement cost or actual cash value, for the house and the roof
- Your wind/hail deductible and your all-other-perils deductible
- Enough personal liability coverage for your situation
- Water backup, foundation and other common gaps
- Whether you need a separate flood policy
- Coverage for detached structures and valuables
What does a 2% deductible mean?
A percentage deductible is based on your home's insured value, not the size of the claim. On a home insured for $300,000, a 2% wind/hail deductible means you pay the first $6,000 of a hail claim.
The Texas Department of Insurance says a common setup is 2% for wind or hail and 1% for other damage. Because it's a percentage, the dollar amount goes up when your home's insured value goes up at renewal. We'll show you the dollar amount on every quote.
Sources: Texas Department of Insurance, Texas Insurance Tips; Office of Public Insurance Counsel, Understanding your homeowners deductible. The $300,000 home is an illustration only.
From request to decision in three steps.
Send the basics
Fill out the short form or call. Your current declarations page, if you have it, is a helpful starting point.
Damita compares options
Damita reviews your request herself, follows up to confirm details and compares options from the companies she represents.
You choose what fits
Compare coverage, deductibles and price with an agent. There's no obligation, and you keep your current policy until new coverage is confirmed.
Have these handy for the fastest quote
None of this is needed to send the form. Damita will ask for what each company requires when she follows up.
- Your current declarations page (first page of your policy)
- Property address, square footage and year built
- Roof material and the year it was replaced
- Updates to plumbing, electrical or HVAC, and any past claims
- If buying: closing date and lender name
A few helpful answers.
Is the quote free? Do I have to switch?
Yes, the quote is free, and there's no obligation. If your current policy is the best fit, we'll tell you that.
How soon will I hear back?
Damita reviews each request herself and follows up by phone or email. If you'd like to talk sooner, call 972-440-0032.
Am I required to have home insurance?
Texas law doesn't require home insurance. But if you still owe money on your home, your lender will require it, and your mortgage company may need proof of coverage before closing.
Should I cancel my current policy first?
No. Keep your current policy until new coverage is confirmed, so your home is never uninsured. If your mortgage company pays the premium through escrow, we'll help with the switch.
Does homeowners insurance cover flooding?
Most home policies don't cover flood damage. Flood insurance is a separate policy, and most flood policies have a 30-day waiting period, so don't wait for a storm to ask.
Can you quote my auto insurance too?
Yes. We can review home and auto together and ask about available multi-policy discounts. Eligibility and savings vary by carrier.
Does a quote request start my coverage?
No. A request starts the quoting process. Coverage begins only after the carrier's requirements are met and coverage is confirmed.
I need help with a claim on my current policy.
For claims or billing on an existing policy with another company, please contact that company directly. The Texas Department of Insurance advises making only temporary repairs, such as tarping a roof, until the company sees the damage.
Let's review your home insurance.
Whether you're shopping for a new policy, checking your current coverage or simply want a second opinion, D. King Agency can help you compare your options.