Garland Homeowners Insurance

Find affordable homeowners insurance in Garland


Among the most important aspects of owning a home is homeowners insurance. Along with your personal property, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such incidents -- and the high cost of rebuilding or repairing damages to a home -- having a home insurance policy is a smart investment.

What you pay for homeowners 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. 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 info about what a home insurance policy covers.

Finding the cheapest home insurance in Garland starts with shopping around and comparing policies. Take a look at the summary below showing average Garland 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 home coverage is determined based on your chosen coverage limits as well as a number of other rating factors.


Garland, Texas, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Insurance bundle discounts

Home insurance in Garland by insurance company

Homeowners insurance rates in Garland vary from one insurance company to another. Texas Farmers offers the most affordable home insurance in Garland, at just $280 per year. This compares favorably to the city’s average homeowners premium of $3,583.

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


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 prices in Garland by coverage levels

The level of homeowners coverage you select has an impact on your insurance premiums. In Garland, carrying $200K dwelling coverage costs an average of $2,596, while carrying additional coverage up to $400K costs $4,354/year.


HOMEOWNERS INSURANCE RATES IN GARLAND — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,570
$200K Dwelling$2,596
$250K Dwelling$2,966
$400K Dwelling$4,354

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Garland home insurance rates by ZIP code

Not every area of Garland 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.

To find the cheapest home insurance premiums in Garland, look no further than 75044. In the 75044 area, homeowners coverage usually costs 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 AREAS FOR HOMEOWNERS INSURANCE IN GARLAND
ZIP CodeAverage Annual Home Insurance Rate
75044$3,525
75043$3,549
75040$3,589

Other areas of Garland, however, face homeowners rates that are higher than the city average . These areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. The most expensive ZIP code for homeowners insurance in Garland is 75042, where the average annual rate is $3,634.


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

Home insurance deductibles in Garland

Among the plethora of choices faced by homeowners when purchasing an insurance policy is how high or low to set the deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. Where you set your deductible can be a large factor in the cost of your insurance coverage.

Put simply, having a higher deductible translates to lower insurance premiums. Therefore, if you are aiming for lower home insurance rates, you'll need to increase your deductible. It's worth noting that a homeowners deductible should only be as high as you can reasonably pay in the event of a loss.

The following chart outlines the typical premiums affiliated with deductibles offered by most home insurers.


HOME INSURANCE COSTS BY DEDUCTIBLE TIER IN GARLAND
Deductible LevelAverage Annual Home Insurance Rate
$500$3,173
$1,000$2,966
$1,500$2,869
$2,000$2,631
$5,000$2,277

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

If you’re seeking ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can be a good money-saving option. Bundling policies in Garland could, in fact, lead to average annual savings of 7%.


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

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.