Garland Insurance Rates:

Garland, TX home insurance is about $874 to $1,184, about $72-$98/month. Our exhaustive guide indicates shoppers can save upto $411 by getting many quotes

Compare Quotes from Top Providers and Save now!

Research about Garland Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Texas. Compare quotes & save.

Garland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $830/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1790 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Female who is a Freelancer with household income of $100-$150,000 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 $480/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1350 sqft Seasonal Residence Constructed In 1980 with Carpet over wood flooring, Tile Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who is Unemployed and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $110/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2680 sqft Primary Residence Constructed In 1978 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $510/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1130 sqft Primary Residence Constructed In 2009 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Female who is Retired with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $230/6 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 940 sqft Primary Residence Constructed In 1984 with Linoleum, Slate Shingles Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $640/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1530 sqft Rental Property Constructed In 2013 with Linoleum, Wood Shake Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who is Retired and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2050/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Bath 3830 sqft Seasonal Residence Constructed In 1988 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $800/9 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1364 sqft Rental Property Constructed In 2009 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Garland, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
75041 $98,900 $1,020
75044 $139,600 $1,050
75043 $120,800 $1,040
75040 $113,600 $1,040
75042 $102,900 $1,020

Garland Rates & Quotes Analysis:

Garland Area Estimated House Insurance
Creekside Dr, Murifield Ave, Meadows Dr, Eganridge Ln, Mont Cascades, Meadow Bluff Dr, Wind Hill Cir, Americas Cup, Meandering Way, Peninsula Dr$1,081
Azzurra Dr, Intrepid Ln, Brookhollow Dr, Southern Pines Dr, Bunny Ln, Prairie Ct, Troy Rd, Islemere Dr, Misty Way, Chimneywood Dr$1,081
Meadows Cir, Ridge Road Ct, Plummer Dr, Grandview Dr, FM 1152, Gold Coast Ct, Oak Hollow Ln, Tall Oaks, Westhaven Dr, Shores Cir$1,084
Green Gables Ct, Weatherly Dr, Whitney Bay Dr, Defender Ln, Betty St, Potter Ave, Pacific Pearl Dr, Avonlea Dr, Pheasant Creek Dr, Pinehurst Dr$1,077
Gold Coast Dr, Harlan Dr, Ashbourne Dr, Dalton Rd, Golden Pond Dr, Cedarbluff Dr, Mirage Ln, Clearmeadow Ct, Huntcliff Dr, Scarboro Hills Dr$1,084

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,432 Homes (14% of total homes ) built between 1960 to 1969 in Garland are paying home insurance between $1,801-$1,817. Places close to Garland, TX such as Rowlett, Sachse, Northeast Dallas are more expensive by $47, $67, $27 respectively while Balch Springs and Seagoville are cheaper by $28 and $32 respectively for similar homes.
  • Bedrooms: 40,544 3 bedrooms homes (52% of total homes ) in Garland are paying about $803. Areas near to Garland such as Rowlett, Sachse, Richardson are costlier by $20, $19, $30 respectively whereas Dallas County and Balch Springs are more economical by $5, $12 respectively for similar homes.
  • Auto Insurance Bundling: 22,494 Households (47% of all households) in Garland have 2 vehicles available and when it is bundled with home insurance you can save $205 and differs from Rowlett ($211), Sachse ($213), Richardson ($213).
  • Senior Discounts: 19,531 seniors (more than 55 years) occupied housing units (41% of total) in Garland get discounts between $154 to $156. The comparative concessions in proximate regions such as Rowlett, Sachse and Northeast Dallas are $158, $160 and $156 respectively.
  • New Homes discounts: New homes such as the 23,724 homes built between 2000 to 2009 in Garland can save $205 and similar new home insurance discounts in nearby towns and cities like Rowlett, Sachse and Richardson are $211, $213 and $213 respectively.

Garland Homeowners insurance Facts

  • Garland, TX has 47,510 owner occupied houses which is 65.3% of all units whereas Rowlett, Sachse and Richardson have 86.56%, 88.55% and 61.86% respectively.
  • Garland, TX homeowners yearly insurance price at $1,029 is 0.88% of the typical house value of $116,900 which is in contrast with 0.65% in Rowlett, 0.58% at Sachse & 0.58% in Richardson.
  • Homeowners in Garland, TX pay 3.17% of their income ($30,000 to $34,999) in insurance whereas homeowners in Rowlett, Sachse and Richardson pay 3.25%, 3.28% and 3.28% respectively.
  • Garland, TX’s insurance is 6.2% of monthly housing costs of $1,378/month, for owners with a mortgage compared to 5.06% in Rowlett, 4.85% at Sachse & 5.13% in Richardson. But, for households without a mortgage, insurance is 16.1% of costs ($532 in Garland, TX) in contrast with 13.57% in Rowlett, 13.35% at Sachse & 13.04% in Richardson.

Garland, TX Home Values & Insurance rates

For example, insurance for 5,436 Homes (11.0% of total homes ) valued between $90,000 to $99,999 in Garland, TX is about $833. Rates in nearby areas in such as Rowlett, Richardson, Northeast Dallas are cheaper by $222, $289, $155 respectively while Mesquite and Balch Springs are costlier by $39 and $250 respectively for similar homes.

Garland, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,128 2.0% $216
$50,000 to $59,999 991 2.0% $452
$60,000 to $69,999 1,486 3.0% $565
$70,000 to $79,999 2,274 4.0% $658
$80,000 to $89,999 4,026 8.0% $740
$90,000 to $99,999 5,436 11.0% $833
$100,000 to $124,999 12,418 26.0% $967
$125,000 to $149,999 7,589 16.0% $1203
$150,000 to $174,999 4,481 9.0% $1430
$175,000 to $199,999 1,984 4.0% $1646
$200,000 to $249,999 2,846 6.0% $1975
$250,000 to $299,999 1,190 2.0% $2418
$300,000 to $399,999 963 2.0% $3076

Renters Insurance in Garland

  • Average Renters Insurance in Garland :  $207($17/month)

  • Median Gross Rent in Garland :  $924

  • Garland Renters Insurance to Median Rent Ratio:  1.84%

  • Average household size of renter-occupied unit :  3.08

Garland Renters Insurance as a Percentage of Rent

Garland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 300 1.0% $801
$300 to $499 582 2.0% $1251
$500 to $749 5,510 22.0% $1926
$750 to $999 7,882 32.0% $2676
$1,000 to $1,499 7,751 31.0% $3801
$1,500 or more 2,393 9.0% $5451

Rent Affordability in Garland:

Approximately 42.0% (10,733) of households are spending more than 35% of their income on gross rent in Garland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,094 8.0%
15.0 to 19.9 percent 3,107 12.0%
20.0 to 24.9 percent 3,712 14.0%
25.0 to 29.9 percent 3,166 12.0%
30.0 to 34.9 percent 2,495 9.0%
35.0 percent or more 10,733 42.0%

Garland Renters Insurance Discounts:

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

Number of Vehicles in Garland, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 11,622 45.0% $20.7
2 vehicles available 8,914 35.0% $31.05
3 or more vehicles available 2,486 9.0% $41.4

Garland Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,549 6.0% $92
60 to 64 years 905 3.0% $73
65 to 74 years 1,047 4.0% $60
75 years and over 1,193 4.0% $46

Protective device discount in Garland Up to :  $31

Claims-free discount in Garland Up to :  $41