Denton ,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 Denton, 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 Denton, TX is $2167. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Denton, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Denton, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $867 |
| $200,000 | $1,474 |
| $300,000 | $1,820 |
| $400,000 | $2,774 |
| $500,000 | $3,489 |
Home insurance costs in Denton 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 |
|---|---|
| 076208 | $2,887 |
| 76205 | $2,841 |
| 76207 | $2,886 |
| 76201 | $2,780 |
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 Denton, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,222 |
| $1000 Deductible | $1,987 |
| $1500 Deductible | $1,874 |
| $2500 Deductible | $1,690 |
| $5000 Deductible | $1,430 |
| Home Insurance Company Near Denton, TX | Homeowners Insurance Agency Near Denton, TX | Address |
|---|---|---|
| Nationwide | Arnold Allen Simpson | 1425 N Dallas Ave Ste 104, Lancaster, TX, 75134-3267 |
| Allstate | Christopher Reince | 2011 W Northwest Hwy Ste 105, Grapevine, TX, 76051 |
| Travelers | Dina Tutton King | 3452 Forest Lane Ste 300, Dallas, TX, 75234 |
| State Farm | Randy Shockey | 5800 W Plano Pkwy Ste 200, Plano, TX, 75093-4690 |
| Allstate | Tom Ha | 4045 E Belknap St Ste 11, Haltom City, TX, 76111 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Denton County, Texas | $133 | $177 | $266 |
| Krum city, Texas | $130 | $173 | $259 |
| Corinth city, Texas | $132 | $176 | $264 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Denton, TX | 5.6% | 15.2% |
| Denton County | 4.91% | 13.92% |
| Krum | 5.84% | 18.56% |
| Corinth | 5.03% | 12.36% |
| Denton Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 716 | 3.0% | $1245 |
| $500 to $749 | 6,872 | 33.0% | $1920 |
| $750 to $999 | 6,846 | 33.0% | $2670 |
| $1,000 to $1,499 | 4,504 | 21.0% | $3795 |
| $1,500 or more | 1,514 | 7.0% | $5445 |
| Streets in Denton Area | Homeowners Insurance Cost |
|---|---|
| Highview Ct, Wolf Run, Winston Dr, Brandon Dr, Nickolson Rd, Lakeshore Rd, Pvt Rd 806, Summit Ridge Dr, Sapphire Ridge, Hollyhill Ct | $1,112 |
| Nicolle Ave, Hornbeam St, T N Skiles Rd, Pearl St, Mitchell Rd, Compton St, Sundown Blvd, W 8th St, Old Hwy 99, Granger Cir | $1,117 |
| Burnett Rd, Terry Ct, E Sycamore St, Ferguson St, Boxwood Ct, FM 1173, Burrwood Cir, Bradford St, Spud Luck Ln, Bernard St | $1,043 |
| Glenngary Way, Visalia Ln, FM Road 2931, Eastwood Ave, St John Rd, Arvin Hill Rd, McReynolds Rd, Rogers Cir, Swisher Rd, Stagecoach Pass | $1,054 |
| Cobblestone Row, Kerley St, Orr Rd, Aileen St, W Shady Shores Rd, Portsmouth Dr, Shards Ct, S 3rd St, Hollyhill Ln, Crenshaw Ln | $1,059 |
| Thousand Oaks Dr, Fox Hollow St, Saddlebrook Way, Foxgrove Ln, Kingston Trce, Alcove Ln, Bernard Rd, FM 455 W, Pin Oak Ct, Noyes St | $1,044 |
| Leuty Ave, Boyd St, Howard Dr, Hollow Ridge Dr, Crest Dr, King Ranch Dr, Acme St, Titan Trl, Weston Dr, Peninsula Bend | $1,018 |
| Rolling Hills Dr, Fox Run, Creek Ave, Garnet Cove, Wyatt Cir, Moonlight Dr, Maiden Ct, Vine St, Danbury Cir, la Croix Rd | $1,015 |
| Leesley Ln, Eagles Nest Trl, Overlook Cir, Poplar Ct, Smith Rd, Benjamin Dr, Stockbridge Rd, Oregano Ln, Lovell St, N Dallas St | $1,038 |
| Union Lake Rd, Cedar Hill St, Ranch House Dr, Telese Ct, E Prairie St, S Lakeview Dr, Thoroughbred Trl, Running Bear Rd, Liberty Dr, Clear Dr | $1,052 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Denton | $156 to $159 |
| Denton County | $159 |
| Krum | $155 |
| Corinth | $158 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $2,500 |
| Yearly Denton Homeowner Insurance Premium Example | $5,000 | $4,500 |
| Out of Pocket Expense During Claim | $500 | $2,500 |
| Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim | $30,500 | $29,500 |
| Net Savings to Denton Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Denton, TX Home Replacement Value MORE than Home Value | Denton, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $195,000 | $123,000 |
| Insurance Premium based on Replacement Value | $1,600 | $1,000 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $43,500 | Risk Exposure from Under Insuring Coverage is $28,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $375/year |
| Insurance Company | Liberty Mutual | Allstate | Amica Mutual Insurance Company |
| Monthly Premium | 83 | 168 | 56 |
| Year Built | 1979 | 2010 | 1989 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 2 Beds, 1 Baths |
| Coverage Amount | $125000-$150000 | $250000-$300000 | $75000-$100000 |
| Deductible | $5000 to $10,000 Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible |