Dallas Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Dallas


Homeowners insurance is a critical element of homeownership. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a smart move.

The price of a homeowners insurance policy depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Learn more information about the specifics of home insurance coverage.

If you want to find cheaper home insurance in Dallas, start with looking around and comparing a variety of different policies. Take a look at the summary below showing average home insurance premiums in Dallas to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance costs may vary based on your coverage limits and other factors.


Dallas, Texas, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Dallas by insurance company

What you pay for homeowners insurance in Dallas will depend on the insurance company you get your policy through. Texas Farmers offers the most affordable home insurance in Dallas, at just $274 per year. This compares favorably to the city’s average homeowners premium of $3,596.

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


AFFORDABLE 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 costs in Dallas by coverage level

The amount of homeowners coverage you select has an impact on your insurance rates. In Dallas, carrying $200K dwelling coverage costs an average of $2,294, while carrying additional coverage up to $400K costs $4,037 per year.


HOMEOWNERS INSURANCE RATES IN DALLAS — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,294
$400K Dwelling$4,037

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Dallas home insurance prices by ZIP code

Not every area of Dallas has equal home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

The cheapest home insurance rates in Dallas are available in 75098. In 75098, the typical home insurance policy costs $3,166 per year — $431 less than the citywide average in Dallas. The below table shows the best places to live in Dallas if you’re looking for affordable homeowners insurance.


AFFORDABLE AREAS 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. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. With an annual average premium of $4,396, 75275 comes in as 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



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

If you’re searching for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance is one way to save substantially on your monthly car insurance premiums. By bundling your policies, Dallas homeowners could see annual savings of 7% on average.


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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance specialist today.


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