Garland Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find cheap homeowners insurance in Garland


Home insurance is a hugely important part of owning a home. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing a home -- obtaining homeowners insurance is a smart investment.

The cost of home insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also play a large role in home 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. Find out more about what a home insurance policy covers.

If you want to find cheap home insurance in Garland, start with looking around and comparing policies. Have a look at the summary below comparing average home insurance rates in Garland 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.


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

Home insurance in Garland by insurance company

Homeowners insurance rates in Garland vary from one insurance company to another. The most affordable home insurance in Garland is Texas Farmers offering average annual rates at just $280 per year. This is considerably cheaper than the city’s average homeowners premium of $3,583.

Below you'll find a list of the cheapest home insurance companies in Garland, Texas to help you start your search.


CHEAP HOME INSURANCE COMPANIES IN GARLAND
CompanyAverage Annual Rate
Texas Farmers$280
ASI Lloyds$2,790
Safeco$2,865
Allstate$2,926
United$3,058

Average homeowners insurance costs in Garland by coverage level

Your chosen amount of homeowners coverage impacts the insurance premiums you pay . In Garland, carrying $200K dwelling coverage costs an average of $2,596, while carrying additional coverage up to $400K costs $4,583 per year.


HOMEOWNERS INSURANCE RATES IN GARLAND — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,596
$400K Dwelling$4,583

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Garland home insurance rates by ZIP code

Not every area of Garland has equal home insurance premiums. 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.

To find the cheapest home insurance rates in Garland, look no further than 75044. In the 75044 area, homeowners policies typically cost just $3,525 per year — a full $58 less than the Garland average. The below table shows the best places to live in Garland if you’re looking for affordable homeowners insurance.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN GARLAND
ZIP CodeAverage Annual Home Insurance Rate
75044$3,525
75043$3,549
75040$3,589

Other parts of Garland, however, have home insurance premiums that are higher on average. Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up premiums in the area. With an annual average premium of $3,634, 75042 comes in as the priciest ZIP code in Garland for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN GARLAND
ZIP CodeAverage Annual Home Insurance Rate
75042$3,634
75041$3,615
75040$3,589



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

You might want to consider purchasing your auto and homeowners policies through the same company if saving money is one of your concerns. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Garland homeowners could see annual savings of 7% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN GARLAND
CompanyAvg. Annual Auto Insurance Rate (Bundle)
USAA$1,251
State Farm$1,281
Progressive$1,774
Allstate$2,084
GEICO$2,796

Bundling your homeowners and auto policies can be a great way to save some money on insurance. Call 855-493-9728 to speak with an insurance expert today.


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