Ouch. The fun of home ownership, as this new home owner in Texas can attest to. (Previously, in California, my mother was the home owner, and i was the tenant. Now, the roles have switched). I made sure to get a good home owners policy plus an umbrella policy plus the cars are under my policy. Still, I got told point blank that I'm going to be replacing my roof every five years due to hail damage. Sigh.... have you gotten at least quotes from three different insurance agencies to see if your policy is price competitive?