Hurst, TX Home Insurance - Analysis On Quotes, Rates & Agents

Hurst, TX Insurance Rates:

The average cost of home insurance in Hurst, TX is $1552.5 while the average cost of insurance in the state is $1,709 Home insurance is lower/higher than the average home insurance rates in the state. vHome Insurance stresses the importance of comparing home insurance quotes provided by different insurers. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Hurst, TX

National Average Premium State Average Premium Hurst Average Premium
$1,438 $1,709 $1,552.5

Top Home Insurance Companies in Hurst, TX | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Hurst, TX.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Allstate $1,105 $1,263 $1,335 $1,749
American Security $968 $1,665 $2,028 $3,254
American Security $662 $1,183 $1,543 $2,303
Allstate $1,333 $1,546 $1,716 $2,335
Chubb $1,163 $2,102 $3,101 $3,455

Hurst, TX Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 863.63
$150,000 To $174,999 1,499.08
$175,000 To $199,999 1,666.23
$200,000 To $249,999 1,852.51
$250,000 To $299,999 3,145.34
$300,000 To $399,999 4,108.72
$400,000 To $499,999 4,763.51
$500,000 To $749,999 6,097.29
$750,000 To $999,999 7,049.99
$1000,000 To $1499,999 7,764.51
$1500,000 To $2000,000 8,336.13

Visual Guide for Hurst, TX Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Hurst, TX | Back to Top

Home Insurance Company Near Hurst, TX Homeowners Insurance Agency Near Hurst, TX Address
Travelers Affordable Insurance Of Texas 777 S CENTRAL EXPRESSWAY STE 4F, RICHARDSON, TX, 75080
Farmers Dana Gulledge 12461 N Saginaw Blvd Ste 300, Fort Worth, TX, 76179
State Farm Mike Brewer 4801 Little Rd Ste 119, Arlington, TX, 76017-1079
Nationwide Nicholas Arthur Purvis Agency 6305 Preston Rd STE 800, Plano, TX, 75024
Farmers Setra Stevenson 1320 Greenway Dr Ste 755, Irving, TX, 75038

List of Hurst, TX Home Insurance Agents by Companies


Hurst, TX Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Hurst, TX who have no previous history of filing for claims are eligible for a discount of $217.35. Homeowners in Hurst, TX who have filed one claim previously have to pay an additional home insurance rate of $124, while homeowners who have filed 2 claims previously have to pay $186 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -217 1,335
One Claim +124 1,677
Two Claim +186 1,739


Hurst, TX Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
76054 177,400 1,490
76053 117,600 1,506

Factors Affecting Home Insurance Premiums in Hurst, TX

Homeowners staying in Hurst, TX have to pay an average of $1552.5 as the home insurance cost. There are several factors that affect home insurance premiums in Hurst, TX. vHome Insurance lists the factors that could help homeowners lower their homeowners insurance premiums.

Hurst, TX Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 748
3 Bedroom 1,403
4 Bedroom 2,152
5 Bedroom 3,181

Hurst, TX Home Insurance Premiums for Different Deductibles | Back to Top

Hurst, TX homeowners who pay a low deductible rate of $500 pay a higher rate for their home insurance, while Hurst, TX homeowners who pay a deductible rate as high as $2500 pay a lower rate as part of their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,534
$1000 Deductible 1,388
$1500 Deductible 1,306
$2000 Deductible 1,186
$2500 Deductible 1,115

Hurst, TX Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Hurst, 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 1,211
Year 30 Old 1,576
Year 40 Old 1,593
Year 50 Old 1,612
Above Year 50 1,627

Hurst, 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 217 1,335
Masonry 78 1,475
Brick 78 1,475
Superior 155 1,397
Hail Resistant Roof 47 1,506

Top Saving Tips on Hurst, TX Homeowners Insurance | Back to Top

Depending upon the construction type and the construction materials of the home, Hurst, TX homeowners receive a considerable amount of discounts. Hurst, TX homeowners can also make use of bundling discounts to lower home insurance premiums. Furthermore, senior citizens residing in Hurst, TX receive additional discounts on their homeowners insurance. Homes installed with security devices are considered a safe bet for home insurers. As a result, home insurance companies tend to offer discounts to Hurst, TX homes with enhanced security features.

The tables below contain the complete list of discounts that Hurst, TX homeowners can take advantage of to increase their savings.

Hurst, TX Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 295 1,258
Retiree Discount (Senior Citizen Discount) 217 1,770
Newly Constructed Home 342 1,211

Hurst, TX Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 155 1,397
Fire Extinguishers 155 1,397
Smoke Detectors 186 1,366
Sprinkler System 202 1,351
Fire Alarm 78 1,475
Burglar Alarm 140 1,413
Lightning Protection 31 1,521

Latest Home Insurance Reviews

State Auto
Overall, I am very happy with my home insurance company. They offer a wide selection of options at good rates, and when you have questions, they are very helpful and willing to answer any questions you have.
Allstate
Allstate is the best insurance company. Either you have it for your home or for cars. They have the best policies and they really take care of their customers. I will definitely recommend this to everyone.
Travelers
It has been a very easy company to work with. I need insurance and they provide it. That's it. No hassle, no fuss.
Allstate
I would recommend Allstate because the prices are reasonable for the coverage and the customer service is friendly and helpful. Easy to pay each month.
Allstate
My agent is great she is always there for any questions I may have. Also, the online and national customs service is fast and professionally.
Geico
I RATE THEM A 5. THEIR PRICES ARE COMPETITIVE AND THEY ARE A WELL ESTABLISHED INSURANCE COMPANY THAT I HAVE BEEN WITH FOR MANY YEARS.
State Farm
The company is very user-friendly and focuses on making sure their customers are taken care of. Too many insurance companies just see you as a number and that is it. They have taken the time to know me and my life.
American Home Insurance
There is nothing that comes to mind about what I dislike about my insurance provider, American Home.
Geico
Geico is a great insurance company and since I had such a great experience with them for my car insurance I also used them for my home insurance.