Richardson Insurance Rates:

Richardson, TX homeowners insurance is roughly $907 to $1,228, about $75-$102/month. Our in depth guide reveals consumers can save as much as $426 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aaa Home Owners Insurance
Accidents are covered under this insurance. if someone accidentally floods our bathroom it will be covered. very helpful in the long run
Homeowners Home Insurance
I have a very high deductible that doesn't cover the basics. what's the point in having homeowners insurance if it covers nothing?
Nationwide
If there are any plans out of your budget, they will work with you to make sure you find one that fits. they will let you name your price.

Richardson, TX Homeowners Insurance By Home Value

Richardson, TX Home Value Total Homes % of Total Average Richardson, TX Homeowners Insurance
Less than $50,000 350 1.0% $138
$80,000 to $89,999 361 1.0% $490
$90,000 to $99,999 293 1.0% $544
$100,000 to $124,999 1,862 8.0% $629
$125,000 to $149,999 2,884 12.0% $789
$150,000 to $174,999 4,568 20.0% $938
$175,000 to $199,999 3,202 14.0% $1088
$200,000 to $249,999 4,052 17.0% $1301
$250,000 to $299,999 2,403 10.0% $1600
$300,000 to $399,999 2,389 10.0% $2027

Top Home Insurance Agents Near Richardson, TX

Home Insurance Company Near Richardson, TX Homeowners Insurance Agency Near Richardson, TX Address
Travelers Addison Insurance Group Llc 4004 BELTLINE RD STE 125B, ADDISON, TX, 75001
Travelers Al Boenker Insurance Agency Inc 6030 JACKSBORO HWY, FORT WORTH, TX, 76135
State Farm Carla Krumins 2805 Dallas Parkway Suite 245, Plano, TX, 75093-8754
Travelers Frost Insurance Agency Inc 5710 Lbj Freeway, Suite 460, Dallas, TX, 75240
State Farm Shelley Dietrich 2308 Ridge Rd Ste A, Rockwall, TX, 75087-5154

Cost Of Homeowners Insurance By Street Near Richardson, TX

Streets in Richardson Area Homeowners Insurance Cost
Callejo Rd, Winterwood Ct, Cap Rock Cir, Silverstone Dr, Parkview Cir, Bobby Boyd Ln, Park Meadow Ln, Cori Pl, Poppy Ln, Gorham Dr$1,089
Chariot Ln, Howard Ln, Cotswolds Ct, Sotogrande Dr, N Lindale Ln, S Spring Creek Dr, Haynes Dr, Cavalier Ct, Cumberland Pl, Southwick Dr$1,062
Custer Pkwy, Greenleaf Dr, Regal Ct, Stacey Ct, Oakmont Pl, Kelly Cir, W Muirfield Rd, Excalibur Cir, Industrial Dr, Clear Springs Cir$1,093
Elmwood Dr, Harvest Glen Dr, Eton Dr, Hanover Dr, Bates Dr, Norfolk Dr, Springtree Cir, Garden View Ln, Sandy Trl, Rockport Cir$1,089
Ivanridge Ln, Martha Manor, Osage Dr, Tralee Ln, Chadwick Ln, Fall Creek Ct, Derby Dr, Grove Park Ln, Vineyard Trl, Belt Line Cove$1,088
Drawbridge Ln, Woodsprings Dr, Hampshire Ln, Butternut Dr, Sallie Cir, Raford Hill Ln, Shadycreek Dr, Shenandoah Pl, Loganwood Ave, Chadwick Pl$1,068
Lookout Dr, Hillsdale Dr, S Bowser Rd, Boulder Trl, Dunrobin, Analog Dr, Barclay Ln, Tejas Trl, Carolina Ct, Rimes Dr$1,088
E Lookout Dr, Milford Ave, Eastpark Dr, Stardust Ln, Hillside Ave, Canyon Meadow Dr, Kellie St, Commerce Dr, Dumont Dr, Fireside Ct$1,092
Queen Victoria Ct, Regency Dr, Shannon Ct, Beth Ct, E Prairie Creek Dr, Aberdeen Dr, Yorkshire Ct, Allegheny Ct, White Cliff Ln, Wicklow Ln$1,102
Cavalier Plz, Kent Brown Rd, Carnoustie Ct, S Sherman St, Hilltop Ave, Winding Brook Ln, Cherokee Dr, Forest Park Dr, Meadowcove Dr, Collins Ct$1,090

Richardson, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Richardson$159 to $162
Garland$154
Murphy$166
Plano$162

Richardson, 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
Garland city, Texas $129 $171 $257
Murphy city, Texas $139 $185 $278
Plano CCD, Collin County, Texas $136 $181 $271

Richardson, 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
Richardson, TX5.1%13.0%
Garland6.22%16.12%
Murphy4.01%11.66%
Plano4.63%11.92%

Richardson Renters Insurance as a Percentage of Rent

Richardson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 320 2.0% $1238
$500 to $749 2,307 16.0% $1913
$750 to $999 3,625 25.0% $2663
$1,000 to $1,499 5,863 41.0% $3788
$1,500 or more 2,052 14.0% $5438

Richardson, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Richardson Homeowner Insurance Premium Example $1,600$1,100
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,700$10,200
Net Savings to Richardson Home Owner from High Deductible Plan $1,500

Richardson, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Richardson, TX Home Replacement Value MORE than Home Value Richardson, TX Home Replacement Value LESS than Home Value
Replacement Value $279,000 $169,000
Insurance Premium based on Replacement Value $2,225 $1,350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $56,000 Risk Exposure from Under Insuring Coverage is $54,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $450/year

Example Richardson Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyAllstateNationwide Insurance
Monthly Premium 12220464
Year Built 198620121990
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$350000-$400000$100000-$125000
Deductible > $10,000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2006 165,000 Shingles Roof 1,390 2 $1000-$2500 Deductible 750 8 Vinyl siding No
1992 145,000 Shingles Roof 1,360 3 $1000-$2500 Deductible 340 5 Vinyl siding No
1966 340,000 Shingles Roof 3,020 4 $5000 to $10,000 Deductible 660 3 Stone Siding yes
1974 105,000 Shingles Roof 960 2 $2500-$5000 Deductible 230 4 Fiber-Cement Siding No
1980 390,000 Shingles Roof 3,730 5 $500 Deductible 3710 12 Wood siding yes
1982 160,000 Metal Roof 1,280 3 $500- $1000 Deductible 530 5 Wood siding yes
2004 190,000 Membrane Roof 1,610 4 $500 Deductible 630 5 Stone Siding yes
1961 145,000 Tile Roof 1,670 4 $500 Deductible 580 7 Stone Siding No
1967 190,000 Metal Roof 1,910 3 $5000 to $10,000 Deductible 1010 10 Stone Siding yes
1977 150,000 Shingles Roof 1,290 2 $500- $1000 Deductible 850 9 Vinyl siding yes
1986 130,000 Tile Roof 1,348 2 $1000-$2500 Deductible 210 2 Stone Siding yes