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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How to find affordable homeowners insurance in Irving

Home insurance should be a critical consideration for every homeowner. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- having a home insurance policy is a smart investment. The average homeowners policy costs $300 per month in Irving, Texas. This is more than double the price paid by the average American.

The cost of home 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. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Discover more about what is covered by a homeowners insurance policy.

If you want to find inexpensive home insurance coverage in Irving, start with looking around and comparing policies. Check out the below summary of average home insurance premiums in Irving to help you get as much information as possible when you start your search for homeowners insurance. 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.

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

Irving home insurance by company

Irving homeowners insurance rates will vary depending on which insurance company you choose. The most inexpensive home insurance in Irving comes from Texas Farmers, which offers average annual rates of just $256 per year. This is more favorable than the city’s average homeowners premium of $3,596.

Begin your search for a home insurance policy by reviewing the cheapest companies in Irving, Texas, listed below. You can also check out our guide to top home insurance companies based on the results of The Zebra's Customer Satisfaction Survey.

Company Average Annual Rate
Texas Farmers $256
Safeco $2,865
ASI Lloyds $2,903
State Farm $3,138
United $3,176

Irving homeowners insurance prices by coverage level

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In Irving, carrying $200K dwelling coverage costs an average of $2,576, while carrying additional coverage up to $400K costs $4,320 per year.

Coverage Level Average Annual Rate
$100K Dwelling $1,551
$200K Dwelling $2,576
$250K Dwelling $2,936
$400K Dwelling $4,320

Irving home insurance rates by ZIP code

Depending on which part of Irving you live in, you might see vastly different home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for home insurance.

To find the cheapest homeowners coverage in Irving, look no further than 75063. In the 75063 area, homeowners coverage usually costs just $3,524 per year — a full $72 less than the Irving average. If you’re looking for the areas with the most affordable homeowners insurance rates in Irving, have a look at the table below.

ZIP Code Average Annual Home Insurance Rate
75063 $3,524
75038 $3,566
75039 $3,570

Other areas of Irving, however, face homeowners rates that are higher than the city average . Crime rates, fire risk, and even your how close you are 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 the area's insurance costs. The most expensive ZIP code for homeowners insurance in Irving is 75060, where the average annual rate is $3,687.

ZIP Code Average Annual Home Insurance Rate
75060 $3,687
75062 $3,630
75061 $3,598

Irving homeowners insurance deductibles

Homeowners have numerous choices to make when shopping for a homeowners policy, including the amount of their deductible. A deductible is the dollar amount that the insured must contribute toward a covered loss. Choosing your deductible plays a significant role in how much you pay for your coverage.

When considering your homeowners deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those seeking lower insurance costs will want to consider a higher deductible. It's worth remembering that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

Take a look at the normal deductibles offered by insurers and an estimate of average homeowners insurance rates.

Deductible Level Average Annual Homeowners Insurance Rate
$500 $3,136
$1,000 $2,936
$1,500 $2,846
$2,000 $2,606
$5,000 $2,265

Home and auto insurance bundling in Irving

One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can be a good money-saving option. By bundling your policies, Irving homeowners could see annual savings of 7% on average.

Company Avg. Annual Auto Insurance Rate (With Bundle)
State Farm $1,161
USAA $1,253
Progressive $1,722
Allstate $1,936
GEICO $2,715

Compare quotes on Irving, TX home insurance today!

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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 editorial 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.