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Free, no-pressure quote
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Tell us a little, and a licensed agent in The Colony gets back to you with options.
About two minutes
A licensed local agent, not a call center
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Step 1 of 3
An introduction
Your home is likely the largest thing you own, and the policy that goes with it can be hard to read. We help homeowners, condo owners, and landlords in The Colony and nearby North Texas understand what they have and what they could choose.
If you are buying, tell us your closing date early. It gives us time to get everything in order before you get the keys.
A conversation at the office
What it generally does
Homeowners insurance generally helps pay to repair or rebuild your home and replace your belongings after certain kinds of damage, and it often includes liability protection if someone is hurt on your property.
Condo insurance generally works alongside your association’s master policy. It often focuses on the inside of your unit, your belongings, and your own liability.
Landlord insurance is generally written for a home you rent to someone else. It often looks at the building, lost rental income after certain kinds of damage, and liability.
Every policy is different. An agent explains the details of any policy before you decide.
Who it suits
People buying a home who need a policy before closing
Homeowners with a renewal coming who want a second look
Condo owners who are unsure where the master policy stops
Owners of one or more rental homes
Your folder
What to have ready
Have what you can. If something is missing, we can find it together. Please leave out license numbers, Social Security numbers, and payment details.
Homeowners
Whether you own the home or are buying it
The closing date, if you are buying
The address
About what year it was built
Rough square footage
When the roof was last replaced, if you know
Your current declarations page
Condo
The address
About what year the building was built
The summary of your association's master policy, if you have it
Landlord
How many rental properties and what kind
The address of each
About what year each was built
Whether it is rented now
For every line
Who you are insured with now, and about when your policy renews.
Texas notes
Worth knowing in North Texas
Flood is usually separate. Flood damage is generally not covered by a standard homeowners policy, and flood insurance is usually a separate policy. An agent can talk it through with you.
Know your deductible before hail season. Spring hail is part of life in North Texas. It is a good reason to know your deductible before storm season.
General information only. An agent can walk you through how any of this applies to you.
What neighbors say
Real reviews from Google
4.1★★★★★Google rating from 15 reviews
★★★★★5 out of 5 stars
Karina was very knowledgeable and professional regarding insurance policies for my homes and vehicles. She gladly reviewed my policies several times with me and answered all my questions. Very comparable pricing. Highly recommend.
DonnaGoogle review
★★★★★5 out of 5 stars
Christianne with LucaBella Allstate helped me with my homeowners on my home close and really made things smooth. I highly recommend working with Christianne.
JessieGoogle review
★★★★★5 out of 5 stars
Good employees are hard to have all in one place, but at my agency, LucaBella has it all. Great job, helpful, and knowledgeable, and most of all, quick response. Thank you guys.
General information, not a statement about any policy.
Do I need a policy before I close on a house?
Lenders often ask for proof of homeowners insurance before closing. Text or call us with your closing date and we can help you get ready in time.
Is flood part of a homeowners policy?
Generally, no. Flood insurance is usually a separate policy. An agent can explain how it works and whether it makes sense for your address.
Why do you ask when the roof was replaced?
The age of a roof often matters to insurers, especially in a place with spring hail. If you do not know, that is fine. Bring what you have.
What is a declarations page?
It is the summary page of your current policy, usually the first page or two. It lists the insured, the policy period, coverages, limits, and deductibles. A photo from your phone works.
How is condo insurance different from homeowners insurance?
A condo policy generally works alongside your association’s master policy, so the summary of that master policy helps an agent see what is left for you to consider.
Can you look at my rental properties too?
Yes. Tell us how many you have, what kind they are, and whether each is rented now, and an agent can walk you through landlord options.
Talk it over with a licensed agent
Text a question, call the office, or leave a note in the form.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Terms and Privacy.
When you text us, our automated assistant replies and tells you it is automated. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Terms and Privacy.
