Arlington Homeowners Insurance

Find affordable homeowners insurance in Arlington


Homeowners insurance is a critical element of homeownership. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such perils -- and the high cost of rebuilding or repairing damages to a home -- having a home insurance policy is a sound investment.

The cost of home insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance rates may be higher to account for the extra risk. Find out more about what your homeowners insurance policy covers.

If you want to find cheap home insurance in Arlington, start with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance premiums in Arlington to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Arlington, Texas, home insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by neighborhood
  4. Rates by deductible amount
  5. Policy bundling discounts

Home insurance in Arlington by insurance company

What you pay for homeowners insurance in Arlington will depend on the insurance company you get your policy through. The most inexpensive home insurance in Arlington comes from Texas Farmers, which offers average annual rates of just $279 per year. This is more favorable than the city’s average home insurance premium of $3,774.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Arlington, Texas.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN ARLINGTON
CompanyAverage Annual Rate
Texas Farmers$279
ASI Lloyds$2,963
Safeco$2,998
State Farm$3,149
United$3,239

Average homeowners insurance costs in Arlington by coverage level

Your chosen level of homeowners coverage impacts the insurance premiums you pay . Homeowners in Arlington who carry $200K in dwelling coverage pay an average of $2,700 per year, while those with coverage up to $400K pay around $4,516 per year.


HOMEOWNERS INSURANCE RATES IN ARLINGTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,621
$200K Dwelling$2,700
$250K Dwelling$3,075
$400K Dwelling$4,516

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Arlington homeowners insurance prices by ZIP code

Depending on which part of Arlington you live in, you may see vastly different home insurance costs. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, the location of your house can drastically influence your home insurance premium.

If you're looking for the most affordable home insurance premiums in Arlington, take at look at the 76119 ZIP code. In the 76119 area, homeowners coverage usually costs just $3,652 a year — a full $122 less than the Arlington average. If you’re looking for the areas with the most affordable homeowners insurance in Arlington, have a look at the table below.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN ARLINGTON
ZIP CodeAverage Annual Home Insurance Rate
76119$3,652
76011$3,694
76017$3,701

Other parts of Arlington, however, have home insurance costs that are higher on average. These areas could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. With an annual average premium of $4,547, 76005 comes in as the costliest ZIP code in Arlington for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN ARLINGTON
ZIP CodeAverage Annual Home Insurance Rate
76005$4,547
76014$3,764
76018$3,755

Homeowners insurance deductibles in Arlington

Among the plethora of choices faced by homeowners when purchasing a home policy is how high or low to set the deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. Where you set your deductible can be a major factor in how much you pay for insurance.

When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, you may want to think about setting a higher deductible if you aim to lock in lower home insurance premiums. Be mindful of the fact that your deductible should only be set as high as you can reasonably afford in the event of a covered loss.

Below you'll find some typical deductibles offered on most home policies along with corresponding average insurance premiums.


HOME INSURANCE RATES BY DEDUCTIBLE TIER IN ARLINGTON
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$3,278
$1,000$3,075
$1,500$2,983
$2,000$2,734
$5,000$2,382

Money-saving tip for home and auto insurance in Arlington: bundling

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Arlington could, in fact, lead to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN ARLINGTON
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,146
USAA$1,220
Progressive$1,657
Allstate$1,890
GEICO$2,755

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.