The Hartford Launches New Homeowners & Auto Insurance Products with Expanded Coverage Options
If you’ve shopped for homeowners insurance in Texas over the past several years, you’ve probably noticed a frustrating trend:
Higher deductibles. Fewer options. Rising premiums.
Many insurance companies moved away from offering 1% Wind & Hail deductibles, replacing them with 2%, 3%, or even 5% deductibles for wind and hail claims.
For homeowners across North Texas, that meant paying thousands more out of pocket after a hailstorm before insurance coverage even began.
Now there’s some welcome news.
The Hartford has launched a new Homeowners Insurance product in Texas that once again offers qualifying homeowners the option of a 1% Wind & Hail deductible.
For many Texas families, this could significantly reduce their financial responsibility after a covered storm loss.
🌪️ What Is a Wind & Hail Deductible?
Unlike many other states, Texas homeowners insurance policies often have a separate deductible for wind and hail damage.
Instead of paying a flat deductible like $1,000 or $2,500, many Texas policies use a percentage of your home’s insured value.
For example:
| Home Coverage | 1% Deductible | 2% Deductible | 3% Deductible |
|---|---|---|---|
| $400,000 Home | $4,000 | $8,000 | $12,000 |
| $600,000 Home | $6,000 | $12,000 | $18,000 |
| $800,000 Home | $8,000 | $16,000 | $24,000 |
As home values continue to increase across Texas, so does the amount homeowners may be responsible for after a storm claim.
Why Does This Matter in Texas?
Texas experiences some of the most severe weather in the country.
North Texas homeowners regularly face:
✔ Hailstorms
✔ Straight-line winds
✔ Tornadoes
✔ Severe thunderstorms
✔ Falling tree limbs
Because wind and hail claims are so common, many insurance companies increased deductibles over the past several years to help manage claim costs.
That’s why the return of a 1% Wind & Hail deductible option is such exciting news.
For qualifying homeowners, it may provide meaningful financial protection when the next storm rolls through.
🏠 The Hartford’s New Homeowners Insurance Product
The Hartford has introduced an updated homeowners insurance product in Texas designed to offer more competitive coverage options.
One of the biggest highlights is the availability of:
✅ 1% Wind & Hail Deductibles for qualifying homes
Additional features may include:
- Competitive homeowners insurance rates
- Flexible deductible options
- Strong financial backing from an A-rated carrier
- Bundling discounts when combined with eligible auto insurance
Eligibility, underwriting guidelines, and coverage options vary based on the home and applicant.
Our team can help determine whether your property qualifies.
🚗 New Auto Insurance Rates, Too
The Hartford didn’t stop with homeowners insurance.
They’ve also launched an updated Auto Insurance product in Texas featuring more competitive pricing for many drivers.
Bundling your Home and Auto Insurance may provide:
✔ Additional discounts
✔ Simplified billing
✔ One agency to service your policies
✔ Coordinated coverage
If it’s been a few years since you’ve compared your insurance, now is an excellent time to review your options.
Is It Time to Review Your Homeowners Insurance?
Many Texas homeowners haven’t reviewed their policy in years.
You may benefit from a review if:
- Your Wind & Hail deductible is 2%, 3%, or higher.
- Your premium has increased significantly.
- You’ve replaced your roof.
- You’ve improved your home’s condition.
- You haven’t compared multiple insurance companies recently.
As an independent insurance agency, Mauceri Bynum Insurance compares coverage from over 30 top-rated insurance carriers to help find the right fit for your home.
While The Hartford is an exciting new option, we’ll always recommend the carrier that best matches your home, budget, and coverage needs.
Why Work with an Independent Insurance Agency?
Unlike agencies that represent only one insurance company, we work with a wide range of carriers and compare options on your behalf.
That means we can help determine whether The Hartford—or another insurer—is the best fit for your specific situation.
Our goal isn’t just to find a lower premium. It’s to help you balance price, coverage, deductibles, and long-term value.
🏆 Why Texas Homeowners Choose Mauceri Bynum Insurance
✔ Access to 30+ top-rated insurance carriers
✔ No broker or agency fees
✔ Local, in-house customer service
✔ Live phone support during business hours
✔ Annual policy reviews and renewal shopping
✔ Voted Best of McKinney 12 Years in a Row
Whether you’re buying your first home, replacing an existing policy, or simply looking for better protection against Texas storms, we’re here to help.
🚀 Request Your Free Home & Auto Insurance Review
Curious whether you qualify for a 1% Wind & Hail deductible or The Hartford’s new Home and Auto Insurance products?
Let our team review your current coverage and compare it with today’s options.
👉 Start your quote today:
https://www.agentinsure.com/compare/auto-insurance-home-insurance/mauceriagency/quote.aspx
Or give us a call at (214) 733-8400.
We’ll help you find the right coverage, before the next Texas storm arrives.
