Dallas, TX Home Insurance - Analysis On Quotes, Rates & Agents
Dallas Insurance Rates:
Dallas, TX homeowners insurance is roughly $880 to $1,193, about $73-$99/month. Our exhaustive analysis indicates shoppers can save as much as $414 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmThe website was pretty easy to navigate around. It had a section for frequently asked questions that really helped out and it was easy to find the 'contact agent' button.
AllstateI like the company's mobile app because I'm able to look at my coverage and pay my bills just as if I was on the laptop/computer. It appears to help streamline my needs.
NationwideI do not really use it much. I think I have been on it once or twice in the two years I have had this company for an insurer. I can say it was fairly easy to look up my payment amount, but that is all I have ever had to do since I have never made a claim.
Liberty MutualGetting my policy started was easy because the representative that helped me was very knowledgeable and I felt like he had my best interest in mind. He was able to answer all my questions and suggest a policy with things I needed/wanted.
TravelersI don't have any experience with this company besides paying the bill. I can not effectively rate them. I can say that i am happy with what they charge me and the service of my agent.
EsuranceMostly self-service features through insurance which works for me. I don't need to have brick and mortar location and can navigate website myself.
State FarmGREAT COMPANY. HAVENT HAD ANY ISSUES. VERY AFFORDABLE. WOULD RECOMMEND THEM TO ANYONE
State FarmI dislike the way they have handled customer service on a local level. We also had an adjuster who took comps from a city 4 hours away and it was not relevant.
ProgressiveWhat I like overall is that they have good rates, good coverage, and great customer service every time I call. I can also bundle my car insurance and have even bigger savings
MetlifeLack of personal care is my biggest problem. Rates are constantly rising without any explanation. My lower rate for having new efficient appliances dropped off one year without warning and I was told I needed to take care of refiling for the discount myself. When I had my only claim my local rep told me I would have to file it myself with a call center talking to whoever answered the phone each time. I am leaving due to the lack of personal care/ kind human interactions.
AllstateAllstate is recommended by me for homeowner's insurance. I've not had any problems with them to make me look anywhere else.
Farmer's InsuranceI believe that the company does what I need it to do but there are others that may do a better job. I believe that I can get a better price with similar quality.
Pronto Insurancethat at the moment of calling and speaking with a new person in the company, they do not have and do not fully know the information of the company
State FarmI like State Farm because they are the most efficient and cost friendly company I have ever found for Home Insurance. I appreciate all the work and time our agent put into working with me.
MetlifeThis home insurance company is different from all other insurance companies because the way of approach will be different for the customers.
AllstateThe only thing I would say I dislike about this company is that they are not always available. I have to call early in the morning when they first open to get someone otherwise I will be holding forever to get a live agent
ProgressiveI enjoy talking with their agents because they never make the conversation feel rushed and it seems genuine.
AllstateThe prices are outrageously excessive if you live in an area prone to home damage, at some point it is just cheaper to move.
State FarmThe staff is always helpful when i call to file a claim. very courteous and knowledgeable. especially in times of crisis.
State FarmI like that my agent is someone that I can call and I know they will get back to me.
State FarmThe customer service that I have received has been outstanding because of their quick response. All of my interactions with the company has been positive.
Dallas, TX Homeowners Insurance By Home Value
| Dallas, TX Home Value | Total Homes | % of Total | Average Dallas, TX Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 19,294 | 10.0% | $197 |
| $50,000 to $59,999 | 7,948 | 4.0% | $414 |
| $60,000 to $69,999 | 9,969 | 5.0% | $518 |
| $70,000 to $79,999 | 12,510 | 7.0% | $601 |
| $80,000 to $89,999 | 15,470 | 8.0% | $674 |
| $90,000 to $99,999 | 12,307 | 6.0% | $757 |
| $100,000 to $124,999 | 21,726 | 12.0% | $881 |
| $125,000 to $149,999 | 12,979 | 7.0% | $1099 |
| $150,000 to $174,999 | 11,219 | 6.0% | $1296 |
| $175,000 to $199,999 | 8,035 | 4.0% | $1503 |
| $200,000 to $249,999 | 15,246 | 8.0% | $1804 |
| $250,000 to $299,999 | 12,835 | 7.0% | $2208 |
| $300,000 to $399,999 | 16,707 | 9.0% | $2799 |
Top Home Insurance Agents Near Dallas, TX
| Home Insurance Company Near Dallas, TX | Homeowners Insurance Agency Near Dallas, TX | Address |
|---|---|---|
| NA | Texas Nonsubscriber, Inc. | 1111 Beltline #203, Garland, TX, 75040 |
| Allstate | Celeste Ins Agy Llc | 303 N. US Hwy 69, Celeste, TX, 75423 |
| Liberty Mutual Independent | Chapman-Cornelius Ins Service Inc | 821 Greenview Dr Grand Prairie, Grand Prairie, TX, 75050 |
| Travelers | Dean Morris Insurance Service Inc | 413 APPALACHIAN WAY, MCKINNEY, TX, 75071 |
| State Farm | Josh Hanna | 508 N Crowley Rd Ste B, Crowley, TX, 76036-2604 |
Cost Of Homeowners Insurance By Street Near Dallas, TX
| Streets in Dallas Area | Homeowners Insurance Cost |
|---|---|
| North St, Jubilee Trl, Lochaven Dr, Las Colinas Blvd W, Lone Moor Cir, Vandelia St, McKinnon St, Lochinvar Ct, Quadrangle Dr, Glen Hill Dr | $1,128 |
| Hermosa Dr, Dudley St, Groveway Dr, Drowsy Ln, Circlewood Dr, Kendale Dr, Hudspeth Ave, Oak Bend Ln, Hamilton Ave, Royal Pl | $1,007 |
| Crowberry Ln, Court St, Northbrook Dr, Jim Reinthal Ct, Woodsboro Dr, Moonstone Dr, Malcolm Cir, Century Dr, Monssen Pkwy, Hanford Dr | $None |
| Teresa Dr, Celtic Ash, Merrifield Rd Rmp, Clover Valley Dr, Boisenberry Ln, Penelope St, Racine Dr, Pasco Dr, Gallant Fox Dr, Wendell Way | $1,015 |
| Linda Dr, Marvin Gardens, Holbrook Dr, Diamond Park Dr, Town House Row, Woodburn Trl, Sleepy Hollow Dr, Verano Dr, Gulden Ln, Allentown Dr | $1,013 |
| Happy Hollow Ln, Chapman St, Olympic Dr, Celeste Dr, Chase Ct, Mountain Bluff Ln, Alendale Dr, Dartstone Dr, Peavy Rd Exd, Bayview | $998 |
| St George, SE 13th St, Shoreline Dr, Chipper Ct, Chimney Hill Ln, Merriman Pkwy, Parkdale Dr, Bellcrest Dr, White Rock Trl, Jeffries St | $1,077 |
| Acklin Dr, Flamingo Dr, Centennial Dr, Vistaridge Dr, Sarah Ln, Omaha Ln, Trunk Ave, Crosstown Expy, Wylie St, Santa Monica Dr | $1,028 |
| Navajo Trl, Weir St, Cloister Dr, Stoney Creek Blvd, Woodmont Dr, Woodoak Dr, Chapel Hill Dr, Hartsdale Ave, Crozier St, Avon St | $1,008 |
| Clayton Oaks Dr, Crown Point Cir, Navy Ave, San Saba Dr, la Palma Dr, Morningside Ct, Rosehill Rd, Breakers Pt, la Manga Dr, 56th St | $1,053 |
Dallas, TX Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Dallas | $155 to $157 |
| Dallas County | $155 |
| Highland Park | $229 |
| University Park | $227 |
Dallas, TX Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Dallas County, Texas | $155 | $207 | $311 |
| Highland Park town, Texas | $229 | $305 | $458 |
| University Park city, Texas | $227 | $303 | $455 |
Dallas, TX Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Dallas, TX | 5.8% | 16.8% |
| Dallas County | 5.77% | 16.17% |
| Highland Park | 3.18% | 12.71% |
| University Park | 3.16% | 12.65% |
Dallas Renters Insurance as a Percentage of Rent
| Dallas Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 3,299 | 1.0% | $349 |
| $200 to $299 | 3,794 | 1.0% | $799 |
| $300 to $499 | 11,127 | 4.0% | $1249 |
| $500 to $749 | 81,322 | 32.0% | $1924 |
| $750 to $999 | 74,286 | 29.0% | $2674 |
| $1,000 to $1,499 | 55,085 | 22.0% | $3799 |
| $1,500 or more | 18,811 | 7.0% | $5449 |
Dallas, TX Homeowners Insurance by Zip Code
| Zip Code | Median Home Value | Median Homeowners Insurance |
|---|---|---|
| 75223 | $96,100 | $1,020 |
| 75232 | $94,400 | $1,020 |
| 75227 | $89,900 | $1,020 |
| 75224 | $87,900 | $1,020 |
| 75225 | $839,600 | $1,510 |
| 75241 | $78,100 | $1,010 |
| 75217 | $75,600 | $1,010 |
| 75212 | $74,600 | $1,010 |
| 75203 | $69,000 | $1,010 |
| 75216 | $60,400 | $1,000 |
| 75226 | $57,200 | $1,000 |
| 75201 | $570,400 | $1,340 |
| 75215 | $55,000 | $1,000 |
| 75253 | $48,000 | $990 |
| 75230 | $451,200 | $1,250 |
| 75210 | $44,900 | $990 |
| 75209 | $434,500 | $1,210 |
| 75214 | $324,400 | $1,180 |
| 75252 | $278,800 | $1,140 |
| 75229 | $263,400 | $1,130 |
| 75206 | $258,800 | $1,130 |
| 75248 | $258,000 | $1,140 |
| 75204 | $250,300 | $1,120 |
| 75231 | $247,400 | $1,120 |
| 75287 | $245,700 | $1,110 |
| 75219 | $242,600 | $1,110 |
| 75238 | $238,600 | $1,100 |
| 75218 | $218,800 | $1,100 |
| 75202 | $183,600 | $1,080 |
| 75243 | $181,500 | $1,070 |
| 75240 | $162,300 | $1,070 |
| 75220 | $161,700 | $1,070 |
| 75233 | $118,100 | $1,040 |
| 75249 | $117,600 | $1,040 |
| 75235 | $109,600 | $1,030 |
| 75208 | $109,500 | $1,040 |
| 75237 | $106,700 | $1,040 |
| 75228 | $106,300 | $1,040 |
| 75246 | $105,600 | $1,030 |
| 75236 | $102,000 | $1,020 |
Dallas, TX Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| Yearly Dallas Homeowner Insurance Premium Example | $1,200 | $1,000 |
| Out of Pocket Expense During Claim | $1,700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $11,300 | $10,700 |
| Net Savings to Dallas Home Owner from High Deductible Plan | $600 | |
Dallas, TX Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Dallas, TX Home Replacement Value MORE than Home Value | Dallas, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $150,000 | $106,500 |
| Insurance Premium based on Replacement Value | $1,400 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $17,500 | Risk Exposure from Under Insuring Coverage is $26,000 |
| Premium Impact | Insurance cheaper by $250/year | Insurance costlier by $150/year |
Example Dallas Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | GEICO Insurance | USAA group | Travelers |
| Monthly Premium | 195 | 167 | 75 |
| Year Built | 1977 | 2013 | 1960 |
| Home Details | 5 Beds, 4 Baths | 4 Beds, 2 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $300000-$350000 | $250000-$300000 | $125000-$150000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | $2500-$5000 Deductible |
Sample Home Insurance Rates for Dallas, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1987 | 145,000 | Membrane Roof | 2,110 | 3 | $2500-$5000 Deductible | 920 | 10 | Vinyl siding | yes |
| 1974 | 205,000 | Shingles Roof | 2,150 | 4 | $1000-$2500 Deductible | 690 | 8 | Wood siding | yes |
| 1970 | 180,000 | Wood Shake Roof | 2,050 | 3 | $5000 to $10,000 Deductible | 650 | 7 | Vinyl siding | No |
| 1992 | 105,000 | Slate Shingles Roof | 1,220 | 2 | $500 Deductible | 420 | 8 | Stucco siding | yes |
| 2012 | 110,000 | Metal Roof | 1,600 | 2 | $500 Deductible | 540 | 7 | Brick siding | No |
| 1988 | 185,000 | Composition Roof | 2,570 | 5 | $500 Deductible | 670 | 5 | Stone Siding | No |
| 1998 | 155,000 | Composition Roof | 1,700 | 4 | $5000 to $10,000 Deductible | 540 | 9 | Stucco siding | yes |
| 1964 | 210,000 | Composition Roof | 2,780 | 4 | $2500-$5000 Deductible | 830 | 7 | Vinyl siding | yes |
| 1960 | 190,000 | Membrane Roof | 2,640 | 4 | $500- $1000 Deductible | 1320 | 8 | Vinyl siding | No |
| 1965 | 350,000 | Tile Roof | 4,780 | 5 | $1000-$2500 Deductible | 1340 | 7 | Stone Siding | No |
| 1988 | 140,000 | Composition Roof | 1,460 | 3 | $500 Deductible | 520 | 5 | Brick siding | No |
| 1963 | 230,000 | Tile Roof | 2,450 | 4 | $5000 to $10,000 Deductible | 780 | 9 | Stone Siding | yes |
| 1970 | 185,000 | Shingles Roof | 2,030 | 4 | $500- $1000 Deductible | 900 | 8 | Brick siding | No |
| 1989 | 180,000 | Shingles Roof | 1,960 | 3 | $1000-$2500 Deductible | 600 | 5 | Vinyl siding | No |
| 1983 | 130,000 | Asphalt Shingles Roof | 1,460 | 3 | $1000-$2500 Deductible | 790 | 12 | Wood siding | No |
| 1974 | 205,000 | Wood Shake Roof | 2,680 | 4 | > $10,000 Deductible | 640 | 8 | Fiber-Cement Siding | No |
| 1982 | 160,000 | Slate Shingles Roof | 1,720 | 2 | $500- $1000 Deductible | 300 | 3 | Wood siding | No |
| 1972 | 275,000 | Shingles Roof | 3,120 | 5 | $500- $1000 Deductible | 1530 | 7 | Brick siding | yes |
| 1966 | 85,000 | Membrane Roof | 1,070 | 2 | $500- $1000 Deductible | 370 | 6 | Fiber-Cement Siding | yes |
| 1973 | 345,000 | Shingles Roof | 4,190 | 5 | > $10,000 Deductible | 1000 | 6 | Wood siding | No |
| 1964 | 290,000 | Tile Roof | 3,170 | 4 | > $10,000 Deductible | 690 | 5 | Stucco siding | No |
| 1974 | 450,000 | Metal Roof | 4,880 | 5 | $2500-$5000 Deductible | 230 | 1 | Stucco siding | No |
| 1972 | 180,000 | Composition Roof | 1,850 | 3 | $5000 to $10,000 Deductible | 680 | 6 | Brick siding | yes |
| 2012 | 130,000 | Wood Shake Roof | 1,610 | 2 | $500- $1000 Deductible | 570 | 8 | Brick siding | yes |
| 2014 | 105,000 | Shingles Roof | 1,140 | 2 | $500 Deductible | 70 | 1 | Stone Siding | yes |
| 1984 | 190,000 | Asphalt Shingles Roof | 3,892 | 4 | > $10,000 Deductible | 1930 | 9 | Brick siding | yes |