Dallas, TX Home Insurance - Analysis On Quotes, Rates & Agents
Dallas, TX Insurance Rates:
The average cost of home insurance in Dallas, TX is $1545.3. vHome analyzed multiple home insurance quotes in Dallas, TX to narrow down the list of the cheapest insurance companies in Dallas, TX. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.
Dallas, TX homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Dallas, TX
- Dallas, TX Homeowners Insurance for Different Coverages
- Visual Guide for Dallas, TX Home Insurance Buyers on Insurance Companies and Rates
- Dallas, TX Homeowners Insurance Rate Based on Claims Filed
- Dallas, TX Homeowners Insurance by Zip Code
- Dallas, TX Home Insurance Premium Based on the Number of Bedrooms
- Dallas, TX Home Insurance Premiums for Different Deductibles
- Dallas, TX Homeowners Insurance Premium Based on the Age of the Home
- Dallas, TX Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Dallas, TX Homeowners Insurance
- Dallas, TX Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Dallas, TX
Average Home Insurance Premium in Dallas, TX
| National Average Premium | State Average Premium | Dallas Average Premium |
|---|---|---|
| $1,438 | $1,709 | $1,545.3 |
Top Home Insurance Companies in Dallas, TX | Back to Top
vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| United Property & Casualty Insurance Company | $1,204 | $1,406 | $1,861 | $2,876 |
| Allstate | $2,659 | $3,093 | $3,471 | $4,661 |
| Encompass Insurance | $2,236 | $2,954 | $3,624 | $4,884 |
| Liberty Mutual | $2,630 | $2,996 | $3,362 | $4,908 |
Dallas, TX Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 1,132.87 |
| $150,000 To $174,999 | 1,427.32 |
| $175,000 To $199,999 | 1,742.18 |
| $200,000 To $249,999 | 2,193.17 |
| $250,000 To $299,999 | 2,947.11 |
| $300,000 To $399,999 | 4,115.1 |
| $400,000 To $499,999 | 5,076.5 |
| $500,000 To $749,999 | 6,497.92 |
| $750,000 To $999,999 | 7,513.22 |
| $1000,000 To $1499,999 | 8,274.7 |
| $1500,000 To $2000,000 | 8,883.88 |
Visual Guide for Dallas, TX Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Dallas, TX | Back to Top
| Home Insurance Company Near Dallas, TX | Homeowners Insurance Agency Near Dallas, TX | Address |
|---|---|---|
| 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 |
List of Dallas, TX Home Insurance Agents by Companies
Dallas, TX Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Dallas, TX with no claims filed get a discount of $185.44, whereas homeowners with one claim have to file an additional home insurance rate of $139 while homeowners with 2 claims have to pay an additional $201 for their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -185 | 1,360 |
| One Claim | +139 | 1,684 |
| Two Claim | +201 | 1,746 |
Dallas, TX Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 75223 | 96,100 | 1,483 |
| 75232 | 94,400 | 1,499 |
| 75227 | 89,900 | 1,460 |
| 75224 | 87,900 | 1,564 |
| 75225 | 839,600 | 1,564 |
| 75241 | 78,100 | 1,565 |
| 75217 | 75,600 | 1,483 |
| 75212 | 74,600 | 1,567 |
| 75203 | 69,000 | 1,564 |
| 75216 | 60,400 | 1,437 |
| 75226 | 57,200 | 1,437 |
| 75201 | 570,400 | 1,499 |
| 75215 | 55,000 | 1,437 |
| 75253 | 48,000 | 1,437 |
| 75230 | 451,200 | 1,565 |
| 75210 | 44,900 | 1,567 |
| 75209 | 434,500 | 1,483 |
| 75214 | 324,400 | 1,564 |
| 75252 | 278,800 | 1,468 |
| 75229 | 263,400 | 1,437 |
| 75206 | 258,800 | 1,565 |
| 75248 | 258,000 | 1,468 |
| 75204 | 250,300 | 1,483 |
| 75231 | 247,400 | 1,564 |
| 75287 | 245,700 | 1,567 |
| 75219 | 242,600 | 1,499 |
| 75238 | 238,600 | 1,564 |
| 75218 | 218,800 | 1,499 |
| 75202 | 183,600 | 1,453 |
| 75243 | 181,500 | 1,499 |
| 75240 | 162,300 | 1,483 |
| 75220 | 161,700 | 1,565 |
| 75233 | 118,100 | 1,453 |
| 75249 | 117,600 | 1,499 |
| 75235 | 109,600 | 1,564 |
| 75208 | 109,500 | 1,567 |
| 75237 | 106,700 | 1,565 |
| 75228 | 106,300 | 1,565 |
| 75246 | 105,600 | 1,483 |
| 75236 | 102,000 | 1,499 |
Factors Affecting Home Insurance Premiums in Dallas, TX
The average cost of homeowners insurance in Dallas, TX is $1545.3. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.
Dallas, TX Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 1,311 |
| 3 Bedroom | 1,405 |
| 4 Bedroom | 2,997 |
| 5 Bedroom | 3,184 |
Dallas, TX Home Insurance Premiums for Different Deductibles | Back to Top
Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 1,527 |
| $1000 Deductible | 1,381 |
| $1500 Deductible | 1,300 |
| $2000 Deductible | 1,180 |
| $2500 Deductible | 1,110 |
Dallas, TX Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Dallas, TX pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 1,113 |
| Year 30 Old | 1,568 |
| Year 40 Old | 1,585 |
| Year 50 Old | 1,604 |
| Above Year 50 | 1,619 |
Dallas, TX Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 170 | 1,375 |
| Masonry | 77 | 1,468 |
| Brick | 77 | 1,468 |
| Superior | 155 | 1,391 |
| Hail Resistant Roof | 31 | 1,514 |
Top Saving Tips on Dallas, TX Homeowners Insurance | Back to Top
Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Dallas, TX homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.
The tables below contain the complete list of discounts that Dallas, TX homeowners can take advantage of to increase their savings.
Dallas, TX Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 294 | 1,252 |
| Retiree Discount (Senior Citizen Discount) | 216 | 1,762 |
| Newly Constructed Home | 433 | 1,113 |
Dallas, TX Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 124 | 1,422 |
| Fire Extinguishers | 155 | 1,391 |
| Smoke Detectors | 155 | 1,391 |
| Sprinkler System | 93 | 1,453 |
| Fire Alarm | 124 | 1,422 |
| Burglar Alarm | 139 | 1,406 |
| Lightning Protection | 62 | 1,483 |
Latest Home Insurance Reviews
State Farmgreat coverage.. competitive pricing. great customer service
Progressivethe deductible is a non issue it lets me keep my rate down and it is not a problem that is the best part of it
ProgressiveI honestly have no idea how it compares. The monthly payment is one that is comfortable for me to pay so I've never bothered shopping around.
State FarmI would recommend State Farm for home insurance because this insurance company is very affordable and provides superb coverage for home owners and their homes.
AllstateI have never had any problems with Allstate, but have also never made any claims. We review our policy annually and believe we are adequately covered.
Alfa Insurancetheir customer service is consistent and top-notch, the premiums and deductibles are low and flexible enough to be competitive and attractive, and the policy is extremely useful and reliable to have.
State FarmI believe their offerings compared to other providers is probably exactly the same. There really isnt a whole lot of variance between the major players.
State FarmI would recommend this company to anyone who would like to have home owners insurance because they have always did me right and I have not had any problems with the policy or the cost at all.
ProgressiveThe deductibles are very similar to what i had, however the premiums are much lower. The deductibles for add-ons might be a little higher, but I did not buy any so I am unsure.
ProgressiveInlove our home insurance agency. It is a local agency so the vibe is very community oriented. I never feel pressured to expand my policy or overspend based on what i need.
AllstateI give them a 4 out of 5 rating. The office staff at the actual company are great and always treat me right, but over the phone I would give those reps a 1.
State FarmMy home insurance company's customer service is great. They have service all day long. They are always polite and willing to help me.
AllstateThe premiums are normal. They're not too high, they're not the cheapest, and the coverage is decent.
State FarmMy premium is at a reasonable price and I picked this company because the price was the most reasonable out of the ones that I researched. I am content with the premium price.
Farmer's InsuranceThe offerings were very similar to all the other insurance companies so nothing really stood out from the competition. Overall was satisfied with the offering though.
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.
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.
Amica Mutual InsuranceI would recommend this company for anyone that has an older home and can't insure for how much they want to insure it for. It's the best company to go with as far as that as far as I'm concerned.
Farmer's InsuranceI would recommend my homeowners insurance company because they are fast, friendly and very helpful.
AllstateThe premium and deductible are affordable when compared to those of other insurance policy coverage
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