Carrollton ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Carrollton, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Carrollton, TX is $2203. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Carrollton, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Carrollton, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $881 |
| $200,000 | $1,498 |
| $300,000 | $1,851 |
| $400,000 | $2,820 |
| $500,000 | $3,547 |
Home insurance costs in Carrollton can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 075010 | $2,977 |
| 75007 | $2,886 |
| 75006 | $2,831 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Carrollton, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,259 |
| $1000 Deductible | $2,020 |
| $1500 Deductible | $1,906 |
| $2500 Deductible | $1,718 |
| $5000 Deductible | $1,454 |
| Home Insurance Company Near Carrollton, TX | Homeowners Insurance Agency Near Carrollton, TX | Address |
|---|---|---|
| Travelers | Box Insurance Agency | 1200 S. Main Street, Ste. 1600, Grapevine, TX, 76051 |
| State Farm | Byron Wilkerson | 9720 Coit Rd Ste 140, Plano, TX, 75025-5851 |
| Farmers | Dennis Settlemoir | 1221 W Airport Fwy Ste 209, Irving, TX, 75062 |
| State Farm | Earl Wood Clu, Chfc | 2900 S Hulen, Fort Worth, TX, 76109-1511 |
| Farmers | Robert Shaw | 2255 Ridge Rd Ste 218, Rockwall, TX, 75087 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Hebron town, Texas | $141 | $187 | $281 |
| Addison town, Texas | $139 | $185 | $278 |
| Farmers Branch city, Texas | $131 | $174 | $261 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Carrollton, TX | 5.3% | 13.5% |
| Hebron | 3.85% | 17.87% |
| Addison | 4.44% | 12.21% |
| Farmers Branch | 6.05% | 16.59% |
| Carrollton Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 2,592 | 17.0% | $1916 |
| $750 to $999 | 5,661 | 37.0% | $2666 |
| $1,000 to $1,499 | 5,365 | 35.0% | $3791 |
| $1,500 or more | 1,511 | 9.0% | $5441 |
| Streets in Carrollton Area | Homeowners Insurance Cost |
|---|---|
| Eastwick Ln, Malvern Dr, Tree Farm Dr, Barnhill Dr, Bridle Bend Trl, Tiburon Dr, Stoneview Ct, International Pkwy, Mockingbird Dr, Tanbark Dr | $1,225 |
| Caroline Ct, Wayfarer Dr, Kings Isle Dr, Meredith Ln, Macgregor Dr, Watch Hill Dr, Fairglen Dr, Riviera Dr, Anglebluff Pl, Albany Dr | $1,208 |
| Glenshire Dr, Gallant Fox Ln, Breakwater Ln, Steeplechase Dr, Shamrock Ln, Bridle Bend Ct, Burningtree Ln, Blackhawk Dr, Grasmere Dr, Lockheed St | $1,216 |
| Chippewa Dr, Piper St, Stone Meadow Dr, Bedrock Dr, Curtis St, Triple Crown Ln, Gillingham Dr, Hudson Dr, Leeward Ln, Manor Lane Ct | $1,225 |
| Fairchild St, Kelly Ln, Terrace View Ln, Channel Isle Dr, Shetland Rd, Old Shepard Pl, Rocky Ledge Dr, Pebblestone Ln, Marquette Dr, Balcones Dr | $1,221 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Carrollton | $158 to $160 |
| Hebron | $168 |
| Addison | $167 |
| Farmers Branch | $156 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $600 | $7,600 |
| Yearly Carrollton Homeowner Insurance Premium Example | $3,700 | $2,300 |
| Out of Pocket Expense During Claim | $600 | $7,600 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $22,800 | $21,400 |
| Net Savings to Carrollton Home Owner from High Deductible Plan | $1,400 | |
| Scenario | Carrollton, TX Home Replacement Value MORE than Home Value | Carrollton, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $574,500 | $399,500 |
| Insurance Premium based on Replacement Value | $5,050 | $3,525 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $49,500 | Risk Exposure from Under Insuring Coverage is $125,500 |
| Premium Impact | Insurance cheaper by $1,100/year | Insurance costlier by $425/year |
| Insurance Company | Amica Mutual Insurance Company | GEICO Insurance | Chubb Group of Insurance |
| Monthly Premium | 165 | 104 | 97 |
| Year Built | 1992 | 2010 | 2006 |
| Home Details | 4 Beds, 2 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $175000-$200000 | $125000-$150000 |
| Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible | $500 Deductible |