Garland, TX Homeowners Insurance

Learn more about how to find affordable homeowners insurance in Garland.

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How to find affordable home insurance in Garland


Home insurance is a critical element of homeownership. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, a homeowners insurance policy is a solid investment.

The price of a homeowners insurance policy 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 likewindstorms, hail, fire, or even theft , home insurance rates may be higher to account for the extra risk. Discover more about what your homeowners insurance policy covers.

Finding affordable home insurance in Garland starts with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance premiums in Garland to help you get as much information as possible when you start your search for homeowners insurance. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Garland, Texas, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by neighborhood
  4. Rates by deductible level
  5. Bundling discounts

Homeowners insurance in Garland by insurance company

Garland homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Garland comes from Texas Farmers, which offers average annual rates of just $280 per year. This is more favorable than the city’s average homeowners premium of $3,583.

Have a look at the cheapest insurance companies in Garland, Texas to find the right homeowners policy for your needs.


AFFORDABLE 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 rates in Garland by coverage level

The amount of homeowners coverage you select has an impact on 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 $4,354/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

Garland homeowners insurance prices by ZIP code

Home insurance premiums can vary depending on what area of Garland in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically influence your home insurance rates.

If you're looking for the most affordable homeowners insurance premiums in Garland, take at look at the 75044 ZIP code. In the 75044 area, homeowners coverage usually costs just $3,525 per year on average — a full $58 less than the overall average for Garland. If you’re looking for the areas with the least costly homeowners insurance in Garland, have a look at the table below.


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, it should be noted, face homeowners rates that are higher than the city average . Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. An average annual rate of $3,634 makes 75042 the most expensive ZIP code in Garland for home insurance.


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

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

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

Home insurance deductibles in Garland

One of the decisions available when shopping for a homeowners policy is the amount of your deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. Choosing your deductible can have a major impact on how much you pay for insurance.

In short, a higher deductible leads to cheaper insurance rates. Therefore, consider a higher deductible if you aim to secure lower premiums. Be mindful of the fact that your deductible should only be as high as you can reasonably pay in the event of a covered loss.

Have a look at may of the typical deductibles offered by insurers and an estimate of average insurance costs.


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

Looking for a money-saving tip for insurance in Garland? Try bundling

If saving money is something you are worried about, it might be worth insuring your home and auto through 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 AUTO INSURANCE PREMIUMS WITH HOME 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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company.


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.