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.

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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 Farm
great coverage.. competitive pricing. great customer service
the 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
I 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 Farm
I would recommend State Farm for home insurance because this insurance company is very affordable and provides superb coverage for home owners and their homes.
I 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 Insurance
their 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 Farm
I 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 Farm
I 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.
The 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.
Inlove 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.
I 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 Farm
My home insurance company's customer service is great. They have service all day long. They are always polite and willing to help me.
The premiums are normal. They're not too high, they're not the cheapest, and the coverage is decent.
State Farm
My 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 Insurance
The 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.
I enjoy talking with their agents because they never make the conversation feel rushed and it seems genuine.
The prices are outrageously excessive if you live in an area prone to home damage, at some point it is just cheaper to move.
State Farm
The staff is always helpful when i call to file a claim. very courteous and knowledgeable. especially in times of crisis.
State Farm
I like that my agent is someone that I can call and I know they will get back to me.
State Farm
The 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 Farm
The 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.
I 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.
I 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 Mutual
Getting 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.
I 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.
Mostly 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 Farm
State Farm
I 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.
What 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
Lack 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.
Allstate is recommended by me for homeowner's insurance. I've not had any problems with them to make me look anywhere else.
Amica Mutual Insurance
I 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 Insurance
I would recommend my homeowners insurance company because they are fast, friendly and very helpful.
The premium and deductible are affordable when compared to those of other insurance policy coverage
Farmer's Insurance
I 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 Insurance
that 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 Farm
I 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.
This home insurance company is different from all other insurance companies because the way of approach will be different for the customers.
The 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