Dallas Homeowners Insurance

Find affordable homeowners insurance in Dallas


Homeowners insurance is a critical element of homeownership. Fire, vandalism, theft, and wind damage are just some of the perils from which homeowners insurance can protect your dwelling and personal property. With the relative frequency of such perils -- and the high cost of rebuilding or repairing a home -- having a home insurance policy is a wise investment.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building 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. Discover more about what is covered by a homeowners insurance policy.

If you want to find affordable homeowners insurance in Dallas, start with looking around and comparing policies. Take a look at the summary below showing average Dallas homeowners insurance rates to ensure you start your search with as much background info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Dallas, Texas, home insurance — contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Bundling discounts

Homeowners insurance in Dallas by company

Dallas homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Dallas comes from Texas Farmers, which offers average annual rates of just $274 per year. This is more favorable than the city’s average home insurance premium of $3,596.

Begin your search for a home insurance policy by reviewing the cheapest companies in Dallas, Texas, listed below.


CHEAP HOMEOWNERS INSURANCE COMPANIES IN DALLAS
CompanyAverage Annual Rate
Texas Farmers$274
Safeco$2,849
ASI Lloyds$2,907
Allstate$2,910
United$3,096

Average home insurance prices in Dallas by coverage amount

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay . Homeowners in Dallas who carry $200K in dwelling coverage pay an average of $2,294 per year, while those with coverage up to $400K pay around $4,373 per year.


HOMEOWNERS INSURANCE RATES IN DALLAS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,574
$200K Dwelling$2,294
$250K Dwelling$2,971
$400K Dwelling$4,373

Compare Homeowners Insurance Rates

Dallas home insurance rates by ZIP code

Depending on which part of Dallas you live in, you might see a big difference in your home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for insurance.

To find the cheapest home insurance premiums in Dallas, look no further than 75098. In the 75098 area, homeowners coverage usually costs just $3,166 per year — a full $431 less than the Dallas average. The below table shows the best places to live in Dallas if you’re looking for affordable homeowners insurance.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN DALLAS
ZIP CodeAverage Annual Home Insurance Rate
75098$3,166
75252$3,241
75287$3,274

On the other hand, some areas of Dallas face higher homeowners insurance costs, on average. Fire risks, crime rates, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up the area's insurance costs. An average annual rate of $4,396 makes 75275 the most expensive ZIP code in Dallas for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN DALLAS
ZIP CodeAverage Annual Home Insurance Rate
75275$4,396
75216$3,915
75215$3,823

Home insurance deductibles in Dallas

One of the many decisions that you will make when looking at homeowners insurance policies is the amount of your deductible. The deductible is the dollar amount that the insured must contribute toward a covered loss. Where you set your deductible can be a large factor in how much you pay for insurance.

Put simply, having a higher deductible translates to lower insurance rates. Therefore, if you are aiming for lower home insurance rates, it pays to keep your deductible higher. Remember that your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Below you'll find some standard deductibles offered by most home insurance companies alongside with corresponding average insurance rates.


HOME INSURANCE COSTS BY DEDUCTIBLE LEVEL IN DALLAS
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$3,174
$1,000$2,971
$1,500$2,882
$2,000$2,638
$5,000$2,295

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

If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. By bundling your policies, Dallas homeowners could see annual savings of 7% on average.


CHEAPEST CAR INSURANCE WITH HOME BUNDLE IN DALLAS
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,258
USAA$1,314
Progressive$1,930
Allstate$2,327
GEICO$2,891

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


Find an Insurance Policy

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.