Irving, TX Homeowners Insurance

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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 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.


Irving, Texas, homeowners insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Bundling discounts

Homeowners insurance in Irving by insurance 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.


AFFORDABLE 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 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.


HOMEOWNERS INSURANCE RATES IN IRVING — POPULAR COVERAGE LIMITS
Coverage LevelAverage 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.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN IRVING
ZIP CodeAverage 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.


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

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. Garland
  8. Houston
  9. Laredo
  10. Lubbock
  11. Plano
  12. San Antonio

Home insurance deductibles in Irving

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.


HOME INSURANCE COSTS BY DEDUCTIBLE 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: bundle home and auto insurance 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.


CHEAPEST AUTO 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.


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 contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.