Irving Homeowners Insurance

The Zebra
Aug. 26, 2019

Find cheap homeowners insurance in Irving


Home insurance should be a critical consideration for every homeowner. Fire, vandalism, theft, and wind damage are just a few of the perils for which home insurance can protect your dwelling and personal property. Events like this occur often. When paired with the high cost of repairing or rebuilding a house, purchasing homeowners coverage can seem like a great move.

The cost of homeowners insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. 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 info about what your homeowners insurance policy covers.

Finding affordable home insurance in Irving starts with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance rates 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.


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

Homeowners insurance in Irving by insurance company

What you pay for homeowners insurance in Irving will depend on the insurance company you get your policy through. Texas Farmers offers the most affordable home insurance in Irving, at just $256 per year. This compares favorably to the city’s average homeowners premium of $3,596.

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


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN IRVING
CompanyAverage Annual Rate
Texas Farmers$256
Safeco$2,865
ASI Lloyds$2,903
State Farm$3,138
United$3,176

Average home insurance costs in Irving by coverage level

The amount of homeowners coverage you select has an impact on your insurance rates. In Irving, carrying $200K dwelling coverage costs an average of $2,576, while carrying additional coverage up to $400K costs $4,556/year.


HOMEOWNERS INSURANCE RATES IN IRVING — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,576
$400K Dwelling$4,556

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Irving home insurance rates by ZIP code

Homeowners insurance premiums can vary depending on what area of Irving in which you live. 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 most affordable home insurance premiums in Irving, look no further than 75063. In the 75063 area, homeowners policies typically cost just $3,524 per year — a full $72 less than the Irving average. Find the best places to live in Irving for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN IRVING
ZIP CodeAverage Annual Home Insurance Rate
75063$3,524
75038$3,566
75039$3,570

On the other hand, some areas of Irving face higher homeowners insurance costs, on average. These parts of town could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. With an annual average premium of $3,687, 75060 comes in as the most expensive ZIP code in Irving for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN IRVING
ZIP CodeAverage Annual Home Insurance Rate
75060$3,687
75062$3,630
75061$3,598



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

One way to save on insurance costs is to consider bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Irving could, in fact, lead to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN IRVING
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$1,161
USAA$1,253
Progressive$1,722
Allstate$1,936
GEICO$2,715

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an expert today.


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