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🛡️ Texas Insurance Coverage Analyzer

Analyze your home & auto coverage — find gaps, eliminate overspending, and compare top Texas carriers

💰 Texas homeowners overpay an average of $600–$1,400/yr on home & auto insurance Complete all tabs to see your savings →

👤 My Profile

Enter your basic information. This personalizes your coverage analysis to your specific situation.

Personal Information

Denton County / North Texas recommendations
Used for liability & umbrella recommendations

Your Property

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From Zillow, DCAD, or your last appraisal
Used to estimate rebuild cost
Critical for TX wind/hail coverage & renewals

Your Vehicles

🔒 Privacy: All data stays in your browser. Nothing is sent to any server or stored anywhere outside your device. This tool runs entirely locally.

📄 Auto-Fill from PDF — Upload Your Home Declarations Page

Upload a digital PDF of your homeowner's declarations page and we'll fill in the fields below automatically. Works best with PDFs downloaded from your carrier's portal (not scanned photos).
📂
Click to select or drag & drop your PDF here
Homeowners Declarations Page (.pdf)

🏠 Current Home Insurance Policy

Enter your current homeowner's policy. Find these details on your Declarations Page — the first page of your policy packet or in your carrier's app/portal.

Policy Overview

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Coverage Amounts

Where to find these: Your Declarations Page lists each coverage with its letter (A–F). Coverage A = Dwelling, B = Other Structures, C = Personal Property, D = Loss of Use, E = Liability, F = Medical Payments.
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Cost to rebuild your home from scratch
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Detached garage, fence, shed (typically 10% of A)
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Furniture, electronics, clothing (typically 50% of A)
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Temporary housing if uninhabitable (typically 20% of A)
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Lawsuits if someone is injured on your property
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Guest medical bills (typically $1,000–$5,000)

Deductibles & Policy Type

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Standard deductible for most non-wind claims
Texas-specific — critical in Denton County
RCV pays full replacement; ACV deducts depreciation

Additional Coverage

Provides extra liability above home + auto limits

📄 Auto-Fill from PDF — Upload Your Auto Declarations Page

Upload a digital PDF of your auto policy declarations page to pre-fill vehicle and coverage details below. Works with PDFs from all major Texas carriers.
📂
Click to select or drag & drop your PDF here
Auto Policy Declarations Page (.pdf)

🚗 Current Auto Insurance Policy

Enter coverage details for each vehicle. Find your coverage on your auto Declarations Page or insurance ID card. Leave fields unknown if you're unsure — the tool will flag them.

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📝 Complete your Profile, Home Policy, and Auto Policy tabs, then click "Run My Coverage Analysis" to see your personalized results.
🔍 Ready to Get Real Quotes?
Your coverage profile is ready. Launch the Quote Navigator to compare live prices from top Texas carriers side-by-side — with AI automation or manual entry.

💼 Get Quotes — Top Texas Carriers

Always get at least 3 quotes. Use HelpInsure.com — Texas's official state-run comparison site — for side-by-side home quotes in one place.

🏆 Pro tip for Denton County: Texas Farm Bureau and State Farm consistently rank highest for value and claims satisfaction in North Texas. USAA is #1 overall if you qualify (military/veterans). Always ask about bundling home + auto for an 8–15% discount on both.
State Farm
Home + Auto
Largest insurer in Texas. Excellent local agent network in Denton County. Strong bundling discounts, solid claims reputation, and financial strength. Best for those wanting a local agent relationship.
Home Quote Auto Quote
Texas Farm Bureau
Home + Auto
Texas-only insurer with some of the most competitive rates in the state. Consistently top-rated for claims satisfaction. Requires a $25/yr membership. An excellent first call for North Texas homeowners.
Get Quote (txfb-ins.com)
Allstate
Home + Auto
Strong Texas presence with good bundling options. Features like Claim RateGuard (one claim won't raise your rate) are valuable for homeowners in Denton County's hail-prone environment.
Home Quote Auto Quote
Progressive
Home + Auto
Often the best value for auto, especially multi-vehicle households. The Snapshot telematics program can reduce premiums 10–30% for low-mileage drivers — ideal for retirees who drive less.
Home Quote Auto Quote
GEICO
Home + Auto
Competitive auto rates for clean-record drivers. Home insurance underwritten through partners. Often produces the lowest initial auto quote — compare coverage details carefully before deciding.
Home Quote Auto Quote
Farmers
Home + Auto
Good Texas presence with a wide range of coverage options. Offers Diminishing Deductible and Claim Forgiveness programs. Local agents available throughout Denton County.
Home Quote Auto Quote
Travelers
Home Focused
Excellent for higher-value homes ($500k+). Strong personal articles floater options for jewelry, art, and valuables. Green home discount available. Good for comprehensive, premium home coverage.
Home Quote Auto Quote
USAA
Military / Veterans Only
Consistently rated #1 in Texas for customer satisfaction and claims. Available only to active military, veterans, and their families. If you or your spouse qualify, this should be your first call — nothing compares to it.
Get Quote (USAA Members)

🏛️ Official Texas Resources

HelpInsure.com — The Texas Department of Insurance's official home insurance comparison tool. Enter your ZIP code and get multiple quotes from state-licensed carriers in one place.
🏠 HelpInsure.com — Official TX Home Quote Comparison Tool → 📄 TDI: Texas Homeowners Insurance Guide → 📄 TDI: Texas Auto Insurance Guide → 📊 TDI: Compare Carrier Complaint Ratios (public data) → 🏛️ Texas Department of Insurance →

⭐ Texas Cost Reduction Suite

A growing toolkit designed to help Texas homeowners — especially those on fixed incomes — systematically lower their largest recurring costs.

Who this is for: Texas retirees, near-retirees, and cost-conscious homeowners who want to take control of their fixed expenses. Currently focused on Denton County, with statewide expansion planned.

Available & Planned Modules

🏡
Property Tax Protest
✅ Available Now
Look up your DCAD assessment, find comparable properties, and generate a complete protest evidence package
🛡️
Insurance Analyzer
✅ Available Now
Analyze home & auto coverage gaps, find overspending, and compare top Texas carriers
🏠
Homestead Exemption Checker
✅ Available Now
Verify all your DCAD exemptions — homestead, over-65, disabled veteran — are correctly applied
📝
Homestead Exemption Filer
✅ Available Now
Step-by-step filing guide for HS, OV65, DP, and DV exemptions — pre-filled from your Checker results
⚡
Electricity Plan Optimizer
✅ Available Now
Compare live electricity plans via PUCT's PowerToChoose.org ranked by your actual monthly usage
💊
Medicare Supplement Ranker
🔜 Coming Soon
Compare Medicare supplement and Part D plans for your specific medications and health situation

How to Use This Tool

  1. My Profile — Enter your basic info, home details, and vehicle count
  2. Home Policy — Enter your current homeowner's policy from your declarations page
  3. Auto Policy — Enter your vehicle details and current coverage levels
  4. My Analysis — Review your personalized coverage scorecard and ranked savings opportunities
  5. Get Quotes — Visit recommended carriers armed with your optimized coverage targets
⚠️ Disclaimer: This tool is for informational and educational purposes only. It does not constitute insurance advice and should not replace consultation with a licensed Texas insurance agent. Coverage recommendations are based on general Texas industry guidelines (TDI / NAIC standards). Your actual coverage needs depend on your specific circumstances. Always verify details with your carrier or a licensed professional.
Texas Cost Reduction Suite — Insurance Coverage Analyzer — For informational purposes only. Not insurance advice. — © 2026