Allen Insurance Rates:

Allen, TX home insurance is roughly $913 to $1,236, about $76-$103/month. Our detailed analysis indicates shoppers can save upto $429 by getting multiple quotes

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Allen Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $760/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Bath 2640 sqft Seasonal Residence Constructed In 2007 with Stone Flooring, Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1670/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 3220 sqft Primary Residence Constructed In 2001 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $2110/5 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $595,000

5 Beds, 5 Baths 4590 sqft Primary Residence Constructed In 1992 with Stone Flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • Up to 499 Credit Score

Home Insurance Rate of $990/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Bath 1930 sqft Rental Property Constructed In 2008 with Ceramic Tile Flooring, Asphalt Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who is Unemployed 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

  • 800-850 Credit Score

Home Insurance Rate of $210/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1900 sqft Rental Property Constructed In 1996 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $560/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Bath 2200 sqft Seasonal Residence Constructed In 2007 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $200/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 1970 sqft Rental Property Constructed In 1995 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $270/2 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1516 sqft Primary Residence Constructed In 1998 with Carpet Flooring, Metal Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Allen, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75013 $292,100 $1,150
75002 $183,900 $1,080

Allen Rates & Quotes Analysis:

Allen Area Estimated House Insurance
Placer Dr, Villa Dr, Edgewood Dr, Blackenhurst Ln, Freestone Dr, Bardwell Dr, Spring Brook Dr, Hammerly, Watters Crossing Ct, Bridle Ct$1,062
Spinnaker Dr, Woodbridge Dr, Frisco Rd, Emerson Ct, Carrington Ln, Mockingbird Dr, Oakley Dr, Colgate Dr, E Lucas Rd, Sutter Dr$1,149
Pine Lakes Dr, Rainier Ct, S Greenville Ave, Wakefield Ln, S Central Expy, Willow Wood St, Hanna St, Granger Dr, Pheasant Dr, Blackwood Dr$1,139
Bright Star Way, Capstan Dr, Abby Ln, Silent Oak Ln, Giddings Ct, Oak Ridge Dr, Beechmont Ct, Westminister Ave, Sycamore Creek Rd, Overland Dr$1,064
Tearose Dr, Astoria Dr, Red Oak St, Snider Ct, Neches Dr, San Leanna Dr, Marsalis Ln, Weeping Willow Ct, Versailles Ave, Woodview Ct$1,065
Oak Forest Ln, Shoal Creek Dr, Clearcrest Dr, Eastwick Cir, Linhurst Dr, Margaret Ln, Shirehurst Dr, Cabernet Dr, Sandy Trail Dr, Ridgemont Dr$1,145
Echo Ridge Ln, Combine Dr, Dumont Ct, Crestland Dr, Tree Row Dr, Duke Ct, Rainhurst Ln, Lake Texoma Cir, Bellmead Ct, Walker Ln$1,155
Meghan Ct, Shady Oaks Ct, Gannon Dr, Aylesbury Dr, Fox Trail Dr, E Ridge St, E McDermott Dr, Llano Dr, Silver Spur Dr, Crestwood Ct$1,060
Ironwood Dr, Carnegie Ct, Mid Pines Dr, Audubon Dr, Clover Dr, Elm Brook Dr, Rockport Ln, Highpoint Dr, Oakhollow Dr, Lancelot Dr$1,062
Co Rd 719, Londonderry Dr, Landsford Dr, Sun Meadow Dr, Sterling Ct, Blackstone Dr, Pine Trail Dr, Deerfield Rd, Belhaven Dr, Zilker Ct$1,142

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,860 Homes (30% of total) built between 1990 to 1999 in Allen are paying home insurance between $1,549-$1,565 and differs from Plano (+$18), Parker (+$208), Fairview (+$78), Lowry Crossing (-$27) and Richardson (-$10).
  • Bedrooms: 11,337 4 bedrooms homes (38% of total homes ) in Allen are paying about $1,288. Areas near to Allen such as Plano, Parker, Fairview are costlier by $26, $185, $76 respectively whereas Lowry Crossing and New Hope are more economical by $22, $27 respectively for similar homes.
  • Auto Insurance Bundling: 12,998 Households (58% of all households) in Allen have 2 vehicles available and when it is bundled with home insurance you can save $214 and differs from Plano ($217), Parker ($243), Fairview ($225).
  • Senior Discounts: 5,100 seniors (more than 55 years) occupied housing units (22% of total) in Allen get discounts between $160 to $163. The comparative concessions in proximate regions such as Plano, Parker and Fairview are $162, $182 and $169 respectively.
  • New Homes discounts: New homes such as the 22,720 homes built between 2000 to 2009 in Allen can save $214 and similar new home insurance discounts in nearby towns and cities like Plano, Parker and Fairview are $217, $243 and $225 respectively.

Allen Homeowners insurance Facts

  • Allen, TX has 22,205 owner occupied houses which is 79.2% of all units whereas Plano, Parker and Fairview have 67.01%, 91.06% and 91.59% respectively.
  • Allen, TX homeowners yearly insurance price at $1,074 is 0.54% of the typical house value of $197,400 which is in contrast with 0.5% in Plano, 0.27% at Parker & 0.39% in Fairview.
  • Homeowners in Allen, TX pay 3.91% of their income ($25,000 to $29,999) in insurance whereas homeowners in Plano, Fairview and Lucas pay 3.95%, 4.1% and 4.34% respectively.
  • Allen, TX’s insurance is 4.7% of monthly housing costs of $1,915/month, for owners with a mortgage compared to 4.63% in Plano, 2.98% at Parker & 3.57% in Fairview. But, for households without a mortgage, insurance is 11.9% of costs ($754 in Allen, TX) in contrast with 11.92% in Plano, 11.49% at Parker & 10.5% in Fairview.

Allen, TX Home Values & Insurance rates

For example, insurance for 4,014 Homes (19.0% of total homes ) valued between $200,000 to $249,999 in Allen, TX is about $1,224. Rates in nearby areas in such as Plano, Parker, Fairview are cheaper by $106, $615, $356 respectively while Lowry Crossing and Richardson are costlier by $231 and $77 respectively for similar homes.

Allen, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 219 1.0% $128
$90,000 to $99,999 351 1.0% $515
$100,000 to $124,999 1,004 4.0% $590
$125,000 to $149,999 2,425 11.0% $741
$150,000 to $174,999 3,845 18.0% $880
$175,000 to $199,999 3,410 16.0% $1009
$200,000 to $249,999 4,014 19.0% $1224
$250,000 to $299,999 2,289 11.0% $1492
$300,000 to $399,999 2,629 12.0% $1900

Renters Insurance in Allen

  • Average Renters Insurance in Allen :  $144($12/month)

  • Median Gross Rent in Allen :  $1,185

  • Allen Renters Insurance to Median Rent Ratio:  1.01%

  • Renter occupied housing units in Allen :  5,830

Allen Renters Insurance as a Percentage of Rent

Allen Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 58 1.0% $336
$500 to $749 352 6.0% $1911
$750 to $999 1,384 24.0% $2661
$1,000 to $1,499 2,363 42.0% $3786
$1,500 or more 1,384 24.0% $5436

Rent Affordability in Allen:

Approximately 38.0% (2,220) of households are spending more than 35% of their income on gross rent in Allen

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 645 11.0%
15.0 to 19.9 percent 681 11.0%
20.0 to 24.9 percent 828 14.0%
25.0 to 29.9 percent 903 15.0%
30.0 to 34.9 percent 553 9.0%
35.0 percent or more 2,220 38.0%

Protective device discount in Allen Up to :  $21

Claims-free discount in Allen Up to :  $28