Irving Homeowners Insurance

Find affordable homeowners insurance in Irving


A critical consideration for every homeowner should be their home insurance coverage. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such perils -- along with the high cost of rebuilding or repairing a home -- purchasing home insurance is a wise investment.

The price of a homeowners insurance policy 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. Find out more about what is covered by a homeowners insurance policy.

Finding cheap home insurance in Irving starts with shopping around and comparing policies. Have a look at the summary below comparing average home insurance rates in Irving to begin your home insurance search with as much knowledge as possible. 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.


Irving, Texas, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible level
  5. Policy bundling discounts

Homeowners insurance in Irving by 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.

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


CHEAP HOME 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 homeowners insurance prices in Irving by coverage amount

The amount of home coverage you select has an impact on your insurance premiums. Homeowners in Irving who carry $200K in dwelling coverage pay an average of $2,576 per year, while those with coverage up to $400K pay around $4,320 per year.


HOMEOWNERS INSURANCE RATES IN IRVING — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$1,551
$200,000 Dwelling$2,576
$250,000 Dwelling$2,936
$400,000 Dwelling$4,320

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Irving homeowners insurance rates by ZIP code

Depending on which part of Irving you live in, you could 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, where you live could have a huge impact in what you pay for home insurance.

If you're looking for the cheapest homeowners coverage in Irving, take at look at the 75063 ZIP code. In the 75063 area, homeowners policies typically cost just $3,524 a year — a full $72 less than the overall average for Irving. Find the best places to live in Irving for cheap home insurance by looking at the following table.


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

Other parts of Irving, however, have home insurance premiums that are higher on average. Crime rates, fire risk, and even your how close you are 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 $3,687 makes 75060 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

Home insurance deductibles in Irving

Among the plethora of choices faced by homeowners when purchasing an insurance policy is where to set the deductible. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. The deductible that you decide on can change how much you pay in insurance premiums.

On the whole, choosing a lower deductible means that your insurance premiums will be higher. Therefore, consider a higher deductible if you aim to lock in lower premiums. Keep in mind that your deductible should only be as high as you can reasonably afford if you suffer a loss.

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


HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN IRVING
Deductible LevelAverage Annual Home Insurance Rate
$500$3,136
$1,000$2,936
$1,500$2,846
$2,000$2,606
$5,000$2,265

Money-saving tip for home and auto insurance in Irving: bundling

You might want to consider bundling your auto and homeowners policies through the same company if saving money is one of your concerns. Bundling home 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 CAR INSURANCE RATES WITH A POLICY BUNDLE IN IRVING
CompanyAvg. Annual Auto Insurance Rate (With 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.


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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.