Arlington, TX Homeowners Insurance

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Find affordable homeowners insurance in Arlington


Home insurance is an important part of owning a home. Along with personal property, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, having a home insurance policy is a solid investment.

The cost of homeowners insurance coverage 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 can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more info about what your homeowners insurance policy covers.

Finding affordable home insurance in Arlington starts with shopping around and comparing policies. Have a look at the summary below comparing average Arlington homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


Arlington, Texas, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Insurance bundle 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. Texas Farmers offers the most affordable home insurance in Arlington, at just $279 per year. This compares favorably to the city’s average homeowners 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.


CHEAP HOMEOWNERS INSURERS 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 rates in Arlington by coverage amount

The amount of home coverage you select has an impact on your insurance premiums. In Arlington, carrying $200K dwelling coverage costs an average of $2,700, while carrying additional coverage up to $400K costs $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

Arlington homeowners insurance rates by ZIP code

Home insurance costs can vary depending on what area of Arlington in which you live. 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 neighborhood you live in can dramatically affect your home insurance rates.

If you're looking for the cheapest home insurance rates in Arlington, take at look at the 76119 ZIP code. In the 76119 area, homeowners coverage usually costs just $3,652 per year on average — a full $122 less than the Arlington average. Find the best places to live in Arlington for cheap home insurance by looking at the following table.


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

On the other hand, some areas of Arlington face higher homeowners insurance costs, on average. These areas of the city 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 priciest ZIP code in Arlington for homeowners insurance.


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

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous Texas cities:

  1. Austin
  2. Corpus Christi
  3. Dallas
  4. El Paso
  5. Fort Worth
  6. Garland
  7. Houston
  8. Irving
  9. Laredo
  10. Lubbock
  11. Plano
  12. San Antonio

Home insurance deductibles in Arlington

Among the plethora of options faced by homeowners when buying homeowners insurance is how high to set the deductible. A deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing your deductible plays a significant role in how much you pay for insurance.

When deciding on a deductible, keep in mind that the higher your deductible is, the lower your premiums will be. Therefore, you may want to think about setting a higher deductible if you aim to secure lower rates. Keep in mind that your deductible should only be as high as you can reasonably pay in the event of a covered loss.

Below are some common deductibles offered on most home policies as well as with related average insurance premiums.


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

Money-saving tip: bundle home and auto insurance in Arlington

If saving money is your main concern, it might be worth insuring your home and auto through the same insurance company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Arlington could, in fact, lead to average annual savings of 7%.


CHEAPEST CAR 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

Bundling your homeowners and auto policies can be a great way to save some money on insurance.


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.