Your Keller Home Deserves the Best Protection

Your Keller home is more than just a property—it's where your family builds memories and your biggest financial investment. Finding the right homeowners insurance Keller TX ensures your property and belongings are fully protected. With Keller's median home value around $450,000, proper insurance protection is essential. But navigating homeowners insurance can be confusing, and you worry about whether you have enough coverage or if you're overpaying for protection you don't need.

At Neill Insurance Brokers , we specialize in helping Keller homeowners find the perfect balance of comprehensive protection and competitive pricing. We believe you deserve peace of mind knowing your home and belongings are fully protected.

The good news? You don't have to figure this out alone.

Your Trusted Keller Home Insurance Partner

For over a decade, we've been protecting homes and families in Keller. As an independent insurance agency located just minutes away in Roanoke, we understand the unique characteristics of Keller properties—from newer construction in Bear Creek to established homes in mature neighborhoods. We shop multiple top-rated carriers to find you the best personal insurance and coverage at the most competitive price.

Our Simple 3-Step Process Makes Protecting Your Home Easy:

  1. Free Home Insurance Review: Call us at (682) 237-7975 or complete our online form. We'll discuss your home's features and your coverage needs.
  2. We Compare Multiple Carriers: We'll get quotes from multiple A-rated carriers and analyze coverage options to ensure you're fully protected.
  3. You Get Peace of Mind: We'll present clear recommendations. Most Keller homeowners save 15–25% when bundling with auto insurance.
Coverage Guide

Comprehensive Home Insurance Coverage for Keller

Understanding your homeowners insurance Keller TX and family insurance coverage helps you protect your property, personal belongings, and financial security. Below is a breakdown of the essential and enhanced coverages every Keller homeowner should consider to stay fully protected.

Standard Coverage Includes:

Dwelling Coverage: Protects the structure of your home (recommended: full replacement cost)
Personal Property: Covers your belongings (typically 50–70% of dwelling coverage)
Liability Protection: Protects you from lawsuits (recommended: $300,000–$500,000 for Keller homes)
Additional Living Expenses: Covers hotel and living costs if your home is uninhabitable
Other Structures: Covers detached garages, sheds, and fences

Enhanced Coverage Options:

Extended Replacement Cost: Pays 125–150% of your dwelling limit if rebuilding costs exceed your coverage
Water Backup Coverage: Protects against sewer and drain backups
Equipment Breakdown: Covers HVAC systems, appliances, and home mechanical systems
Scheduled Personal Property: Higher limits for jewelry, art, and other valuables
Identity Theft Protection: Covers expenses related to identity theft recovery

Special Considerations for Keller Homes:

Hail and Wind Coverage: Keller experiences frequent severe weather, including hailstorms. Ensure your policy includes:
• Adequate wind and hail protection
• Reasonable deductibles (typically 1%–2% of dwelling coverage)
• Roof coverage that accounts for age and condition

Home Value Appreciation: Keller property values have risen sharply. We recommend:
• Annual coverage reviews to ensure adequate dwelling limits
• Inflation guard endorsements
• Extended replacement cost coverage

Newer Construction: Many Keller homes feature high-end materials and smart technology. Consider:
• Coverage for energy-efficient systems and smart home devices
• Protection for premium materials and finishes
• Discounts for energy-efficient and safety features

Common Questions from Keller Homeowners

How much does home insurance cost in Keller, TX?

Home insurance in Keller typically ranges from $1,800 to $3,500 annually, depending on your home's value, age, construction type, and coverage limits. For a $450,000 home (Keller's median), expect to pay $2,200–$2,800 annually for comprehensive coverage.

What's the right amount of dwelling coverage for my Keller home?

Your dwelling coverage should equal the cost to rebuild your home, not its market value. In Keller, rebuilding costs typically range from $150–$250 per square foot depending on finishes and features. We'll help you calculate the exact amount you need to stay fully protected.

Do I need flood insurance in Keller?

Most Keller homes are not in high-risk flood zones, but properties near creeks or in low-lying areas may benefit from flood insurance. We'll review your property's flood risk and help you decide. Flood insurance is often affordable for low-risk properties—typically $400–$600 annually.

How can I save money on home insurance in Keller?

  • Bundle with auto insurance — save 15–25%
  • Increase your deductible — going from $1,000 to $2,500 can save 10–15%
  • Install security systems — monitored alarms qualify for discounts
  • Upgrade to a hail-resistant roof — impact-resistant shingles can save 10–20%
  • Maintain a claims-free record — 3–5 years without claims lowers rates
  • New home discount — homes less than 10 years old often qualify for savings

What's not covered by standard home insurance?

Standard policies typically exclude:

  • Flood damage (requires separate flood insurance)
  • Earthquake damage (requires endorsement)
  • Normal wear and tear
  • Intentional damage
  • Business property (requires business insurance)

Why Keller Homeowners Choose Neill Insurance

Local Expertise

We understand Keller’s housing market, construction standards, and local risks. From hail-prone neighborhoods to custom builds, our local knowledge ensures your home is properly protected .

Independent Advantage

As an independent agency, we compare multiple top-rated carriers including State Farm, Allstate, Travelers, Liberty Mutual, and specialty markets — so you always get the best coverage and rate.

Proper Coverage

We make sure your dwelling coverage matches current rebuilding costs and your liability limits fully protect your assets. Our experts tailor every policy to your exact needs.

Bundling Savings

Most Keller homeowners save $800–$1,500 annually when they bundle home and auto insurance. We'll review your current coverage and identify all eligible discounts.

Claims Advocacy

When you need to file a claim, we act as your advocate — handling the details and communicating with your insurer to ensure you receive fair, prompt treatment.

Serving All Keller Neighborhoods

We protect homes throughout Keller, TX, providing customized insurance solutions for every neighborhood — from established communities to new developments.

  • Bear Creek
  • Parkwood Hill
  • Tierra Verde
  • Keller Town Center area
  • Sunset Ridge
  • Keller Highlands
  • All Keller subdivisions

Wherever you live in Keller, you can count on Neill Insurance Brokers for expert guidance, transparent pricing, and responsive service that puts your home and family first.

Our Track Record

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Average Annual Savings for Keller homeowners who bundle with Neill Insurance.

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Our office is just 5 miles from Keller — local, accessible, and ready to help.

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Serving North Texas homeowners with trusted, affordable coverage.

Protect Your Keller Home Today

Don’t leave your biggest investment to chance. Get a free homeowners insurance Keller TX quote from Neill Insurance Brokers today.

Get Your Free Quote Now →

Or call us directly: (682) 237-7975