Plano Insurance Rates:

Plano, TX homeowners insurance is nearly $923 to $1,249, about $76-$104/month. Our thorough guide reveals consumers can save upto $434 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Discounts Available on Home Insurance in Plano, TX

Plano is a bustling city found 17 miles from Downtown Dallas. The Plano, Texas, region has approximately 504,880 residents. Plano is home to one of Texas's largest and most popular parks, known as Carpenter Park. With that, residents of Plano can also enjoy Oak Point Park & Nature Reserve, filled with trees, vegetation, and wildlife with walking paths.

Plano offers home and business owners a peaceful and aesthetically pleasing environment with naturally wooded areas and parks. However, not all areas of the city are relatively safe. Homeowners should consider taking homeowners insurance in Plano to protect their homes and belongings.

Based on the VHome research, the average cost of home insurance in Plano, TX, is $1,994. Home insurance commonly includes coverage for your major apparatuses, personal belongings, and liability protection if someone gets injured on or near your property. However, it may differ from one company to another, and the base price of home insurance rates in Plano, TX, may change depending on the type of coverage you choose or specific requirements you have.

Below is the summary of average home insurance costs available to Plano, TX, Homeowners based on the deductible and other variables.


Homeowners in Plano can opt to pay less premium by choosing high deductibles. High deductibles invite low monthly premiums. A deductible is an amount to be paid by the policyholder before you can make a claim with your provider. Once the homeowner files a claim and meets their deductible, the insurance company pays the remaining balance up to their policy limit.

For instance, you opted for a deductible of $2500. So, if you make a claim with damages of $20,000, you have to pay your deductible, i.e., $2500, and the remaining balance, i.e., $17,500, will be paid by your respective insurance company.

Deductible for home insurance in Grant County may range from $1431.69 to $1970.07, depending on the deductible the policyholder has opted. So, Plano homeowners paying a high deductible of $2000 can avail of home insurance for $1523.02, whereas Plano homeowners paying a deductible of $1000 and $1500 can avail of home insurance for $1782.24 and $1677.75, respectively.

Other than that, the average cost of home insurance is directly proportional to the age of your house. Older homes are more prone to damage, and as a result, they pay a higher premium on homeowners insurance in Plano, TX. However, newly built homes can enjoy substantial discounts on homeowner insurance. This is because newly built homes have fewer chances of damage, and as a result, insurance companies do not have to pay for repairs very often and hence offer lower premiums.

Generally, homes that are 40 or 50 years old pay a premium of $2046 and $2070 on homeowners insurance in Plano, TX. Newly constructed houses pay $1596 on home insurance.

Plano, TX Homeowners Insurance By Home Value

Plano, TX Home Value Total Homes % of Total Average Plano, TX Homeowners Insurance
Less than $50,000 2,354 2.0% $119
$90,000 to $99,999 1,571 1.0% $466
$100,000 to $124,999 6,231 5.0% $543
$125,000 to $149,999 11,922 10.0% $684
$150,000 to $174,999 16,419 14.0% $803
$175,000 to $199,999 13,795 12.0% $933
$200,000 to $249,999 23,542 21.0% $1118
$250,000 to $299,999 16,115 14.0% $1379
$300,000 to $399,999 16,861 15.0% $1748

Top Home Insurance Agents Near Plano, TX

Home Insurance Company Near Plano, TX Homeowners Insurance Agency Near Plano, TX Address
NA Wes Briggs Agency 808 Clarissa Pl, Garland, TX, 75040
NA Family Financial Group, Inc. 3501 Gus Thomasson Rd 3501 Gus Thomasson Rd, Mesquite, TX, 75150
Travelers Efinity Insurance Corporation 6201 COLLEYVILLE BLVD STE 200, COLLEYVILLE, TX, 76034
Travelers Mccaw Insurance Agency 2615 Wesley St., Greenville, TX, 75401
Allstate Umer Usman 7600 N Macarthur Blvd Ste 105, Irving, TX, 75063

Plano, TX Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Plano, TX

Streets in Plano Area Homeowners Insurance Cost
Glasgow Dr, Cypress Dr, Mantissa Dr, W Coats Dr, Park Creek Dr, Edgeview Ct, Lost Creek Dr, Stinson Rd, Loch Maree Dr, Thornwood Dr$1,066
Wescott Ln, Chapel Hill Blvd, Old Pond Dr, Allison Ln, Woodway Ln, Woodburn Cors, Yale Dr, Stargazer Dr, Naomi St, Elmer Dr$1,096
Bremerton Ct, Libby Rd, Alandale Dr, Hunter Ln, Lomond Ct, Woodview Ct, Lougheed Plz, W Medalist Cir, Lincolnshire Dr, Balboa Ln$1,153
Marchman Way, Campbell Rd, Heritage Pl, Carta Valley Dr, Rolling Brook Dr, Stone Mountain Ct, Co Rd 265, E 15th St, Wilkins Way, San Mateo Ct$1,096
Rockport Ln, Eagle Pass Way, Covinton Ln, Sheila Dr, Berkeley Ct, Compton Dr, Cardinal Ct, Lawndale Dr, Sharps Dr, Portside Ln$1,040
Progress St, Vernon Ct, McCoy Ct, McKinley Dr, Gansett Dr, Bishop Gate, Ruisseau Dr, Harvey Ln, Barnett Dr, Cayman Xing$1,041
Big Horn Ct, Boysenberry Ln, Pantigo Dr, Russell Creek Dr, S Alma Dr, Thornbranch Dr, Simsbury Dr, Horseshoe Trl, N Timberlake Cir, Greenville Dr$1,101
I Ave, Princeton Dr, Gettysburg Cir, White Oak Dr, Glenmere Trl, Nick Cir, Todd Dr, Plum Ct, Haun Trl, Springbridge Ln$1,021
Deloach Dr, Val Verde Dr, Endicott Dr, Basalt Dr, Lavon Pkwy, Dancing Waters Rd, Spence Dr, Crystal Way, Sunmeadow Dr, Deerhurst Dr$1,092
S Birmingham St, Oswego Dr, Noah Trl, White Oak St, Hinton Dr, Surrey Cir, Hamner Ln, Rivergrove Rd, Burke Dr, Co Rd 247$1,053

Plano, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Plano$162 to $165

Plano, TX Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Parker city, Texas $152 $203 $304
Allen city, Texas $134 $179 $268
Murphy city, Texas $139 $185 $278

Plano, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Plano, TX4.6%11.9%

Plano Renters Insurance as a Percentage of Rent

Plano Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 764 1.0% $1231
$500 to $749 8,013 13.0% $1906
$750 to $999 20,470 33.0% $2656
$1,000 to $1,499 21,778 35.0% $3781
$1,500 or more 9,000 14.0% $5431

Plano, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Plano Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,200$9,600
Net Savings to Plano Home Owner from High Deductible Plan $600

Plano, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Plano, TX Home Replacement Value MORE than Home Value Plano, TX Home Replacement Value LESS than Home Value
Replacement Value $475,500 $314,500
Insurance Premium based on Replacement Value $4,950 $3,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $69,000 Risk Exposure from Under Insuring Coverage is $92,000
Premium Impact Insurance cheaper by $950/year Insurance costlier by $725/year

Example Plano Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceNationwide InsuranceAllstate
Monthly Premium 13621888
Year Built 200519841992
Home Details 4 Beds, 3 Baths5 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $175000-$200000$300000-$350000$200000-$250000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Plano, TX from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2001 305,000 Shingles Roof 2,680 4 $500- $1000 Deductible 1270 6 Vinyl siding yes
2002 360,000 Composition Roof 2,760 4 $500 Deductible 1170 6 Vinyl siding No
2012 215,000 Tile Roof 1,580 3 $2500-$5000 Deductible 560 5 Wood siding yes
1999 200,000 Membrane Roof 1,740 2 $5000 to $10,000 Deductible 80 1 Stucco siding No
2001 360,000 Metal Roof 2,760 5 > $10,000 Deductible 500 3 Stucco siding No
2002 245,000 Shingles Roof 2,170 3 $500- $1000 Deductible 1130 9 Vinyl siding yes
2011 325,000 Slate Shingles Roof 2,920 4 $5000 to $10,000 Deductible 580 4 Vinyl siding yes
1993 175,000 Tile Roof 1,340 2 $500 Deductible 1110 7 Stone Siding No
2012 200,000 Tile Roof 1,830 4 $500 Deductible 1430 10 Fiber-Cement Siding yes
2001 340,000 Metal Roof 2,530 4 $500- $1000 Deductible 2570 10 Stone Siding No
2011 100,000 Composition Roof 1,030 2 $500 Deductible 150 2 Wood siding No
2013 240,000 Wood Shake Roof 1,860 3 $5000 to $10,000 Deductible 890 8 Fiber-Cement Siding No
1985 395,000 Asphalt Shingles Roof 3,150 5 $500- $1000 Deductible 450 2 Brick siding No
1987 265,000 Wood Shake Roof 2,320 3 > $10,000 Deductible 470 4 Brick siding No
2012 145,000 Wood Shake Roof 1,060 2 $500 Deductible 1000 10 Wood siding No
1990 225,000 Asphalt Shingles Roof 2,140 3 $500- $1000 Deductible 1620 10 Stucco siding No
2003 305,000 Metal Roof 2,350 3 $500- $1000 Deductible 200 1 Vinyl siding No
2001 135,000 Shingles Roof 1,100 2 $1000-$2500 Deductible 780 9 Fiber-Cement Siding No
1986 165,000 Metal Roof 1,580 3 $1000-$2500 Deductible 220 2 Vinyl siding yes
2013 125,000 Membrane Roof 1,220 3 $2500-$5000 Deductible 450 8 Vinyl siding yes
1984 225,000 Asphalt Shingles Roof 1,640 2 $1000-$2500 Deductible 1080 8 Stone Siding yes
2004 535,000 Membrane Roof 4,190 5 $500 Deductible 1480 5 Brick siding No
2009 180,000 Shingles Roof 1,780 4 $5000 to $10,000 Deductible 420 5 Wood siding yes
2010 185,000 Shingles Roof 1,830 3 $500- $1000 Deductible 560 5 Fiber-Cement Siding yes
2006 240,000 Slate Shingles Roof 2,480 5 > $10,000 Deductible 200 2 Stone Siding yes
1994 340,000 Composition Roof 3,130 4 $500- $1000 Deductible 2010 7 Stucco siding yes
2014 210,000 Shingles Roof 1,540 2 $2500-$5000 Deductible 910 7 Brick siding yes
2012 180,000 Metal Roof 1,280 2 $2500-$5000 Deductible 640 6 Wood siding No
2006 150,000 Membrane Roof 1,200 3 $500 Deductible 460 6 Wood siding No
2010 190,000 Shingles Roof 1,960 4 $2500-$5000 Deductible 420 5 Brick siding No
1974 360,000 Metal Roof 3,015 4 $2500-$5000 Deductible 2140 7 Vinyl siding yes

Latest Home Insurance Reviews

State Auto
My experience with my home insurance company has been positive. They have been friendly and helpful when I needed to ask them some questions. They were good at finding me a good price.
I think my home insurance policy offers great things and i think they offer the same as most insurance companies. THey let you pick and chose what you want on the house policy.
Amica Mutual Insurance
Both premium and deductables were reasonable and were very similar rates to other companies
The price was not the best but also not the worst. I chose it because i bundle home and auto together for convenience. The deductible was of my choosing which is on the lower side of the scale.
i would recommend them to anyone for their customer service. also their rates are very good and competitive. I also know they are accepted almost everywhere.
American National Insurance
We have been with them for so long, I wish the premiums were lower. However, they do award us with an accident and ticket free reward.
State Farm
I am extremely satisfied with my insurance provided customer service. During a bad rain storm the winds blew some of the shingles on the house and the roof started leaking in our den.
I believe that we pay a fair rate on deductible and our premium payment
I think it's probably good because I trust my family members to hand it. They do without complaint. I'm very glad.
State Farm
They have very affordable coverage compared to the other companies I've seen. For the price point, the coverage is also fairly comprehensive.
State Farm
I have held a policy with State Farm for over 30 years. They have always provided good service for a reasonable price.
Traveler's Insurance was comparable to everyone else in offerings. They were on the cheaper end by a little but, but it was enough for us to go with them as a company.
Liberty Mutual
The deducible is high at 1 thousand dollars. However it is the same as it was with Travelers /Geico. Same deductibles as they went through it plan by plan
Safeco Insurance
Prices are pretty stable as far as the increase is concerned and seem to me to be online with current inflation
State Farm
I don't like the fact that my agent is located 50 miles from me, thereby making stops to his office very inconvenient.
Agi Insurance Group
Overall the agi is a great company to deal with and aside for the website not working sometimes i have not really had any issues with them
State Farm
State Farm is a good company with a history of great coverage and accountability. They have a proven history of honesty and integrity
I have not interacted with any employee of Allstate since I signed up with them and therefore I have no opinion on their customer service.
It is fine compared to other companies. I don't think about it beyond that.
State Farm
I have stopped communicating with the office associates. Maybe it is due to my general dislike of the insurance industry, but I do as much as possible through the website instead.
The premium for Travelers is the absolute best in my area market based on all of the other home insurance companies for the current year. I work with a broker who finds the best deal based on my specific needs since I seek the best bang for the buck looking for all coverage being a first-time homeowner.
State Farm
They are very reasonable on pricing but not the cheapest around. that's really the only bad thing to say
The website is easy to use. It has all of the information I would need to answer probably any questions I might have. It has contact information clearly shown in case there is something I can't find.
State Farm
The family atmosphere the agent has created and their customized care the agent and his staff provides are very uncommon in this day and age.
Been with them for 18 yrs that I've owned my home. My agent's office is a few blocks Away from me So I'm glad he's very local and easily assessable.
when I arrive at my new home, I got some information about this counterplan that's mean I don"t need to go to see someone and I paid online I got my insurance set down it's very quick, a good point to save time. by now I don"t claim anything.
State Farm
I do not like that I am paying a premium to have them as my insurance provider. I can get cheaper service elsewhere. I wish they offered more protection for how much money I have to pay them per year.
Based on customer service, value of coverage and convenience of auto pay, documents via online or app and having an agent available 24/7, I would highly recommend Allstate's insurance services to all.
I am giving this a 1 because of my experience with the homeowner's insurance agent and because we had to fight so hard to get the company to pay out for damages. Even the manager ignored calls
There isn't really much that I dislike. I have heard that the claims adjuster may be slow getting to examine the damage but I have not experienced that.
Rvos Insurance
The prices continue to go up every year. It would be ok if I was upping my coverage or adding services, but I am not.
Rvos Insurance
My premium is low but my coverage is good. The company seems fair and dedicated to customer service. It is easy to use and affordable. I feel safe and protect by my coverage.
State Farm
I do not like how the mobile ap for the company works, it doesn't confirm that you have submitted an inquiry and takes forever to get a response.

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