Denton Insurance Rates:

Denton, TX home insurance is approximately $889 to $1,205, about $74-$100/month. Our exhaustive guide reveals consumers can save as much as $418 by getting multiple quotes

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Denton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $1560/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $360,000

5 Beds, 5 Baths 4450 sqft Seasonal Residence Constructed In 2014 with Carpet over wood flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Male who is a Freelancer 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

  • 600-649 Credit Score

Home Insurance Rate of $2140/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Bath 3760 sqft Primary Residence Constructed In 1987 with Carpet over wood flooring, Metal Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $670/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Bath 2100 sqft Rental Property Constructed In 1999 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Fireplace, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $180/1 month for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2100 sqft Vacation Property Constructed In 1980 with Linoleum, Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

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

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $220/2 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 1822 sqft Primary Residence Constructed In 2002 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Denton, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
76208 $169,100 $1,070
76205 $168,000 $1,080
76207 $160,700 $1,060
76201 $127,700 $1,040

Denton Rates & Quotes Analysis:

Denton Area Estimated House Insurance
Highview Ct, Wolf Run, Winston Dr, Brandon Dr, Nickolson Rd, Lakeshore Rd, Pvt Rd 806, Summit Ridge Dr, Sapphire Ridge, Hollyhill Ct$1,112
Nicolle Ave, Hornbeam St, T N Skiles Rd, Pearl St, Mitchell Rd, Compton St, Sundown Blvd, W 8th St, Old Hwy 99, Granger Cir$1,117
Burnett Rd, Terry Ct, E Sycamore St, Ferguson St, Boxwood Ct, FM 1173, Burrwood Cir, Bradford St, Spud Luck Ln, Bernard St$1,043
Glenngary Way, Visalia Ln, FM Road 2931, Eastwood Ave, St John Rd, Arvin Hill Rd, McReynolds Rd, Rogers Cir, Swisher Rd, Stagecoach Pass$1,054
Cobblestone Row, Kerley St, Orr Rd, Aileen St, W Shady Shores Rd, Portsmouth Dr, Shards Ct, S 3rd St, Hollyhill Ln, Crenshaw Ln$1,059
Thousand Oaks Dr, Fox Hollow St, Saddlebrook Way, Foxgrove Ln, Kingston Trce, Alcove Ln, Bernard Rd, FM 455 W, Pin Oak Ct, Noyes St$1,044
Leuty Ave, Boyd St, Howard Dr, Hollow Ridge Dr, Crest Dr, King Ranch Dr, Acme St, Titan Trl, Weston Dr, Peninsula Bend$1,018
Rolling Hills Dr, Fox Run, Creek Ave, Garnet Cove, Wyatt Cir, Moonlight Dr, Maiden Ct, Vine St, Danbury Cir, la Croix Rd$1,015
Leesley Ln, Eagles Nest Trl, Overlook Cir, Poplar Ct, Smith Rd, Benjamin Dr, Stockbridge Rd, Oregano Ln, Lovell St, N Dallas St$1,038
Union Lake Rd, Cedar Hill St, Ranch House Dr, Telese Ct, E Prairie St, S Lakeview Dr, Thoroughbred Trl, Running Bear Rd, Liberty Dr, Clear Dr$1,052

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,154 Homes (13% of total) built between 1970 to 1979 in Denton are paying home insurance between $1,696-$1,712 and differs from Denton County (+$33), Corinth (+$21), Shady Shores (+$117), Krum (-$14) and Aubrey (-$24).
  • Bedrooms: 15,407 3 bedrooms homes (35% of total homes ) in Denton are paying about $806 in contrast with Denton County (+$15), Corinth (+$10), Shady Shores (+$67), Krum (-$6) and Lincoln Park (-$43).
  • Auto Insurance Bundling: 4,159 Households (21% of all households) in Denton have 3 or more vehicles available and when it is bundled with home insurance you can save $261. Discounts for similar bundling in close by locations such as Denton County, Krum, Corinth come to $266, $259, $264 respectively.
  • Senior Discounts: 8,096 seniors (more than 55 years) occupied housing units (41% of total) in Denton get discounts between $156 to $159 in contrast with Denton County ($159), Krum ($155), Corinth ($158).
  • New Homes discounts: New homes such as the 22,748 homes built between 2000 to 2009 in Denton can save $209 and similar new home insurance discounts in nearby towns and cities like Denton County, Krum and Corinth are $213, $207 and $211 respectively.

Denton Homeowners insurance Facts

  • Denton, TX has 19,446 owner occupied houses which is 47.9% of all units whereas Denton County, Krum and Corinth have 65.86%, 83.98% and 85.4% respectively.
  • Denton, TX homeowners yearly insurance price at $1,046 is 0.71% of the typical house value of $147,900 which is in contrast with 0.59% in Denton County, 0.78% at Krum & 0.62% in Corinth.
  • Homeowners in Denton, TX pay 3.22% of their income ($30,000 to $34,999) in insurance whereas homeowners in Denton County, Shady Shores and Argyle pay 3.28%, 3.44% and 3.55% respectively.
  • Denton, TX’s insurance is 5.6% of monthly housing costs of $1,569/month, for owners with a mortgage compared to 4.91% in Denton County, 5.84% at Krum & 5.03% in Corinth. But, for households without a mortgage, insurance is 15.2% of costs ($573 in Denton, TX) in contrast with 13.92% in Denton County, 18.56% at Krum & 12.36% in Corinth.

Denton, TX Home Values & Insurance rates

For example, insurance for 1,297 Homes (6.0% of total homes ) valued between Less than $50,000 in Denton, TX is about $167. Rates in nearby areas in such as Denton County, Corinth, Shady Shores are cheaper by $29, $19, $67 respectively while Krum and Ponder are costlier by $19 and $20 respectively for similar homes.

Denton, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,297 6.0% $167
$50,000 to $59,999 198 1.0% $366
$60,000 to $69,999 201 1.0% $449
$70,000 to $79,999 412 2.0% $523
$80,000 to $89,999 647 3.0% $596
$90,000 to $99,999 911 4.0% $669
$100,000 to $124,999 2,737 14.0% $774
$125,000 to $149,999 3,617 19.0% $962
$150,000 to $174,999 3,175 16.0% $1140
$175,000 to $199,999 1,818 9.0% $1317
$200,000 to $249,999 1,776 9.0% $1589
$250,000 to $299,999 1,117 5.0% $1945
$300,000 to $399,999 848 4.0% $2468

Renters Insurance in Denton

  • Average Renters Insurance in Denton :  $183($15/month)

  • Median Gross Rent in Denton :  $838

  • Denton Renters Insurance to Median Rent Ratio:  1.79%

  • Average household size of renter-occupied unit :  2.31

Denton Renters Insurance as a Percentage of Rent

Denton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 716 3.0% $1245
$500 to $749 6,872 33.0% $1920
$750 to $999 6,846 33.0% $2670
$1,000 to $1,499 4,504 21.0% $3795
$1,500 or more 1,514 7.0% $5445

Protective device discount in Denton Up to :  $27

Claims-free discount in Denton Up to :  $36