A Clear Protection Guide from Roger Welch Insurance Agency — Frisco, TX
Insurance is meant to protect you — but too often, policy language leaves homeowners and drivers unsure about what’s truly covered. Between coverage limits, exclusions, riders, deductibles, and liability terms, it’s easy to feel overwhelmed.
At Roger Welch Insurance Agency, we believe your coverage should be simple to understand, easy to adjust, and customized to life in Frisco — where rapid growth, hailstorms, rising rebuild costs, and foundation issues create unique risks.
Coverage Limits: How Much Your Policy Will Actually Pay
Coverage limits represent the maximum payout your policy offers for a covered loss.
Example:
If a hailstorm (which North Texas sees plenty of) causes $300,000 in roof and structural damage but your dwelling limit is only $235,000, the difference falls back on you unless you have extended replacement enhancement.
Typical Coverage Limits
| Coverage Type | What It Means |
|---|---|
| Dwelling Coverage | Based on rebuild cost, not home sale value |
| Personal Property | % of dwelling limit but capped on valuables |
| Liability | Protects you if someone is injured & sues |
| Medical Payments | Covers guest injuries regardless of fault |
Why this matters in Frisco:
Construction costs, roofing materials, and skilled trades have surged with population growth. If your limits are outdated, your pocket is the backup.
Exclusions: What Standard Policies Don’t Cover
Many claims become stressful not because coverage didn’t exist — but because exclusions were never understood.
Common Exclusions in Frisco & DFW Policies
- Foundation movement & soil shifting
- Flooding (FEMA or private flood policy required)
- Sewer/Drain backup (needs endorsement)
- Power surge electronics damage
- Wear & tear or maintenance issues
- High-value jewelry beyond sub-limits
On the Auto Side
- Using your vehicle for Uber, Lyft, DoorDash without proper rider
- Commercial/business use of personal vehicles
- Racing or track events
Riders & Endorsements: What Smart Texans Add to Protect Their Homes
Endorsements fill the gaps standard policies leave behind.
Popular Riders in Frisco
✔ Foundation and water coverage
✔ Jewelry, watches & collectibles scheduling
✔ Service line coverage (underground water, gas, electrical)
✔ Sewer & sump pump overflow endorsement
✔ Equipment breakdown (HVAC, appliances, smart home tech)
✔ Extended or guaranteed dwelling replacement cost
These enhancements often cost less per year than a single deductible — but prevent thousands in unreimbursed loss.
Decoding Policy Language (Without the Insurance Jargon)
| Term | Meaning |
|---|---|
| Deductible | Your share before insurance pays |
| Replacement Cost | Repairs/replaces at today’s price |
| Actual Cash Value | Depreciated payout (older = worth less) |
| Liability Coverage | Covers injuries/damage you cause |
| Sub-limits | Smaller caps hiding within main limits |
| Endorsements | Add-ons that expand or fix coverage gaps |
Does Employer Coverage Go Far Enough?
Many Frisco professionals rely solely on benefits at work — but group life or disability policies typically only provide 1× salary.
If you have:
- kids in Frisco ISD,
- a mortgage in a fast-appreciating area,
- debt,
- or single-income budgeting…
1× income won’t stretch far.
Coverage Comparison
| Through Employer | Personal Policy |
|---|---|
| Coverage ends if job changes | You own it — it follows you |
| Minimal death benefit | Tailored to income & obligations |
| Limited riders | Add disability, critical illness, LTC |
| Fixed by employer group | Lock-in rate based on your health & age |
A blended strategy — employer + personal — is often the ideal protection model.
Why Frisco Homeowners Are Re-Evaluating Coverage Now
– Rapid construction cost inflation
– Increased hail & wind claims
– Foundation shifting due to clay soil
– More electronics + smart devices = higher replacement risk
– Higher personal property values (luxury items, tech, design upgrades)
Your home’s needs in 2025 are different than they were in 2020.
Partner With a Local Agency Who Breaks It Down Clearly
At Roger Welch Insurance Agency, we don’t oversell — we explain.
We:
✔ Review your policy in plain language
✔ Identify hidden sub-limits & exclusions
✔ Tailor riders to Frisco-specific risks
✔ Shop multiple carriers to keep pricing healthy
Want Straight Answers About Your Coverage?
If you’re unsure what’s protected — and what isn’t — we’d love to help.
Roger Welch Insurance Agency
-Frisco, Texas
Local. Independent. Transparent coverage guidance.
– Schedule a Free Coverage Review Today
Let’s make sure your policy protects your home, future & wallet — not just on paper.