Dallas ,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 Dallas, 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 Dallas, TX is $2129. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Dallas, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Dallas, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $852 |
| $200,000 | $1,448 |
| $300,000 | $1,788 |
| $400,000 | $2,725 |
| $500,000 | $3,428 |
Home insurance costs in Dallas 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 |
|---|---|
| 075223 | $2,747 |
| 75232 | $2,717 |
| 75227 | $2,693 |
| 75224 | $2,713 |
| 75225 | $4,120 |
| 75241 | $2,646 |
| 75217 | $2,648 |
| 75212 | $2,666 |
| 75203 | $2,649 |
| 75216 | $2,613 |
| 75226 | $2,605 |
| 75201 | $3,367 |
| 75215 | $2,612 |
| 75253 | $2,622 |
| 75230 | $3,459 |
| 75210 | $2,610 |
| 75209 | $3,323 |
| 75214 | $3,267 |
| 75252 | $3,069 |
| 75229 | $3,125 |
| 75206 | $3,125 |
| 75248 | $3,099 |
| 75204 | $3,026 |
| 75231 | $3,023 |
| 75287 | $2,983 |
| 75219 | $2,949 |
| 75238 | $3,065 |
| 75218 | $3,025 |
| 75202 | $2,834 |
| 75243 | $2,894 |
| 75240 | $2,851 |
| 75220 | $2,951 |
| 75233 | $2,762 |
| 75249 | $2,737 |
| 75235 | $2,797 |
| 75208 | $2,970 |
| 75237 | $2,702 |
| 75228 | $2,751 |
| 75246 | $2,974 |
| 75236 | $2,727 |
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 Dallas, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,183 |
| $1000 Deductible | $1,952 |
| $1500 Deductible | $1,842 |
| $2500 Deductible | $1,661 |
| $5000 Deductible | $1,405 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Dallas | $155 to $157 |
| Dallas County | $155 |
| Highland Park | $229 |
| University Park | $227 |
| 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 | |
| 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 |
| 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 |