Addison Insurance Rates:

Addison, TX home insurance is approximately $943 to $1,287, about $78-$107/month. Our all inclusive guide indicates shoppers can save as much as $446 by getting many quotes

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Read Addison, Texas Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Addison Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Chubb Group of Insurance
Home Insurance Rate of $2840/12 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 2180 sqft Primary Residence Constructed In 2012 with Stone Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $740/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Bath 1820 sqft Rental Property Constructed In 1989 with Wood Flooring, Metal Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1190/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

2 Beds, 2 Bath 1720 sqft Seasonal Residence Constructed In 2003 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $490/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Bath 2650 sqft Rental Property Constructed In 1994 with Wood Flooring, Composition Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Bath 1480 sqft Rental Property Constructed In 1981 with Wood Flooring, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $2400/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

3 Beds, 3 Baths 1480 sqft Vacation Property Constructed In 1985 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $910/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1040 sqft Primary Residence Constructed In 1993 with Stone Flooring, Composition Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Deadbolt Locks, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $260/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1590 sqft Primary Residence Constructed In 2014 with Wood Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 980 sqft Seasonal Residence Constructed In 1994 with Linoleum, Membrane Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Addison, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75001 $261,400 $1,130

Addison Rates & Quotes Analysis:

Addison Area Estimated House Insurance
Sojourn Dr, Vinland Dr, Sunbelt Dr, Westgrove Pl, Buckingham Ct, Preston Oaks Rd, Banbury Ln, Creek Wood Ct, Le Mans Ct, Stratford Ct$1,111
Marcus Ave, Trend Dr, Gillis Rd, Chatham Court Dr, Eddie Rickenbacker Dr, Curtis Ct, Evergreen Ct, Club Hill Cir, Lakewood Ln, Jericho Ct$1,111
Ponder Ct, Addison Rd, S Beltwood Pkwy, Vista Meadow Cir, Towne Lake Cir, Country Lake Dr, Knoll Trail Dr, Via Sevilla, Misty Meadow Ct, Le Grande Dr$1,065
Village Ct, Goodman Ave, Lexus Ave, Via Corona, Surveyor Blvd, Rheims Dr, Proton Rd, Via la Paloma, Ledgemont Ln, Billy Mitchell Dr$1,076
Bent Oak Pl, Nall Rd, Windward Ln, Kennington Ct, Green Park Dr, Glenn Curtiss Dr, Paladium Dr, Windsor Ct, Menton Pl, Belclaire Dr$1,225

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,079 Homes (25% of total homes ) built between 1990 to 1999 in Addison are paying home insurance between $1,608-$1,625. Places close to Addison, TX such as Hebron, University Park, Highland Park are more expensive by $16, $583, $595 respectively while Farmers Branch and Carrollton are cheaper by $101 and $82 respectively for similar homes.
  • Bedrooms: 2,955 1 bedroom homes (37% of total homes ) in Addison are paying about $647. Areas near to Addison such as University Park, Highland Park, Frisco are costlier by $235, $239, $5 respectively whereas Farmers Branch and Carrollton are more economical by $30, $22 respectively for similar homes.
  • Auto Insurance Bundling: 1,002 Households (54% of all households) in Addison have 2 vehicles available and when it is bundled with home insurance you can save $223 compared to Farmers Branch ($209), Carrollton ($211), Hebron ($225).
  • Senior Discounts: 907 seniors (more than 55 years) occupied housing units (48% of total) in Addison get discounts between $166 to $168 compared to Farmers Branch ($156), Carrollton ($158), Hebron ($168).
  • New Homes discounts: New homes such as the 3,791 homes built between 2000 to 2009 in Addison can save $223 and differs from Farmers Branch ($209), Carrollton ($211), Hebron ($225).

Addison Homeowners insurance Facts

  • Addison, TX has 1,854 owner occupied houses which is 25.5% of all units whereas Farmers Branch, Carrollton and Hebron have 61.95%, 64.13% and 68.14% respectively.
  • Addison, TX homeowners yearly insurance price at $1,115 is 0.41% of the typical house value of $268,800 which is in contrast with 0.72% in Farmers Branch, 0.63% at Carrollton & 0.39% in Hebron.
  • Homeowners in Addison, TX pay 8.92% of their income ($10,000 to $14,999) in insurance whereas homeowners in Farmers Branch, Carrollton and Richardson pay 8.36%, 8.46% and 8.54% respectively.
  • Addison, TX’s insurance is 4.4% of monthly housing costs of $2,095/month, for owners with a mortgage compared to 6.05% in Farmers Branch, 5.25% at Carrollton & 3.85% in Hebron. But, for households without a mortgage, insurance is 12.2% of costs ($761 in Addison, TX) in contrast with 16.59% in Farmers Branch, 13.54% at Carrollton & 17.87% in Hebron.

Addison, TX Home Values & Insurance rates

For example, insurance for 392 Homes (23.0% of total homes ) valued between $300,000 to $399,999 in Addison, TX is about $1,449. Rates in nearby areas in such as Hebron, University Park, Coppell are cheaper by $87, $918, $20 respectively while Farmers Branch and Carrollton are costlier by $1,069 and $762 respectively for similar homes.

Addison, TX Home By Value Total Homes % of Total Average Homeowners Insurance
$80,000 to $89,999 33 1.0% $345
$90,000 to $99,999 41 2.0% $390
$100,000 to $124,999 60 3.0% $446
$125,000 to $149,999 22 1.0% $568
$150,000 to $174,999 90 5.0% $669
$175,000 to $199,999 144 8.0% $769
$200,000 to $249,999 303 17.0% $925
$250,000 to $299,999 592 35.0% $1137
$300,000 to $399,999 392 23.0% $1449

Renters Insurance in Addison

  • Average Renters Insurance in Addison :  $87($7/month)

  • Median Gross Rent in Addison :  $970

  • Addison Renters Insurance to Median Rent Ratio:  0.72%

  • Renter occupied housing units in Addison :  5,406

Addison Renters Insurance as a Percentage of Rent

Addison Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 1,082 20.0% $1896
$750 to $999 1,770 33.0% $2646
$1,000 to $1,499 1,763 32.0% $3771
$1,500 or more 708 13.0% $5421

Rent Affordability in Addison:

Approximately 31.0% (1,718) of households are spending more than 35% of their income on gross rent in Addison

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,031 19.0%
15.0 to 19.9 percent 821 15.0%
20.0 to 24.9 percent 900 16.0%
25.0 to 29.9 percent 502 9.0%
30.0 to 34.9 percent 434 8.0%
35.0 percent or more 1,718 31.0%

Addison Renters Insurance Discounts:

Addison Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Addison, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,592 66.0% $8.7
2 vehicles available 1,470 27.0% $13.05
3 or more vehicles available 172 3.0% $17.4

Protective device discount in Addison Up to :  $13

Claims-free discount in Addison Up to :  $17