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How to find affordable homeowners 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 average homeowners policy costs $299 per month in Garland, Texas.  This is higher than the national average price paid for home insurance.

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.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Garland home insurance by 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 home insurance companies in Garland, Texas to find the right homeowners policy for your needs. Then, see our guide ranking homeowners insurance companies by customer satisfaction and other factors.

 
AFFORDABLE HOME INSURERS IN GARLAND
Company Average Annual Rate
Texas Farmers $280
ASI Lloyds $2,790
Safeco $2,865
Allstate $2,926
United $3,058
 

Garland homeowners insurance prices 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.

 
POPULAR COVERAGE LIMITS IN GARLAND
Coverage Level Average Annual Rate
$100K Dwelling $1,570
$200K Dwelling $2,596
$250K Dwelling $2,966
$400K Dwelling $4,354
 

Garland home insurance rates 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 HOME INSURANCE AREAS IN GARLAND
ZIP Code Average 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 HOME INSURANCE AREAS IN GARLAND
ZIP Code Average Annual Home Insurance Rate
75042 $3,634
75041 $3,615
75040 $3,589
 

Garland homeowners insurance deductibles

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 PREMIUMS BY DEDUCTIBLE LEVEL IN GARLAND
Deductible Level Average Annual Homeowners Insurance Rate
$500 $3,173
$1,000 $2,966
$1,500 $2,869
$2,000 $2,631
$5,000 $2,277
 

Home and auto insurance bundling in Garland

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

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.