How Much Does Arlington, TX Homeowners Insurance Cost?

*Information retrieved from the Texas Department of Insurance from Help Insure and averaged with internal data.

Arlington, TX Auto and Homeowners Insurance Bundling Discounts Average rates

Place	1 Car Bundle Savings On Insurance	2 Car Bundle Savings On Insurance	3 Car Bundle Savings On Insurance
Arlington Texas	$129	$218	$318

Most companies consider these things when deciding on your premium:

• Your home’s age and condition. Companies can’t turn you down just because of your home’s age or value, but they can charge you more.
• Your home’s replacement cost. Houses with higher replacement costs have higher premiums.
• Construction materials. Premiums are higher for houses built completely of wood. They’re lower for houses built of brick or stone.
• Where you live. Premiums are higher in areas that have more storms or crime.
• Availability of local fire protection. Premiums are lower for houses that are close to fire stations.
• Your claims history. Your premiums might be higher if you’ve had claims in the past.
• Your insurance score. Some companies use your credit score to decide what to charge you. Your premiums will be lower if you have good credit.

Home Insurance Discounts Available in Arlington, TX

	Home Discount Name	Home Discount Description	Discount Amount
	New Home	New Construction Recently Purchased	up to 40%
	Age of home	5 Years Old	up to 26%
	Bundle	Home And Auto	up to 25%
	Upgrades	Electrical, plumbing, heating, roof full updates	up to 20%
	Age of home	10 Years Old	up to 13%
	Construction type	Fire Resistive	up to 11%
	Advance Purchase	7 Days Advance Purchase	up to 8%
	Loyalty	10+ Years Renewal	up to 8%
	Construction type	Masonry	up to 7%
	Paid in Full	Paid in Full	up to 7%
	Loyalty	5 Years Renewal	up to 6%
	Fire Sprinklers	Sprinklers	up to 9%
	Claims Free	5 Year Claims Free	up to 5%
	Claims Free	10+ Year Claims Free	up to 5%
	Hail Resistant Roof	Hail Resistant Roof (class 1,2,3,4)	up to 12%
	Loyalty	3 Years Renewal	up to 5%
	Fire Alarm	Central Station	up to 2%
	Gated Community	With Patrol	up to 2%
	Burglar Alarm	Police Department	up to 4%
	Burglar Alarm	Central Station	up to 4%
	Age of home	15 Years Old	up to 4%
	Water Safety System	Water Leak Detection – Shut Off And Alarm	up to 4%
	Water Safety System	Water Leak Detection – Shut Off	up to 3%
	Gated Community	Without Patrol	up to 2%
	Water Safety System	Water Leak Detection – Alarm	up to 3%
	Automatic payments	Electronic Fund Transfer	up to 3%
	Burglar Alarm	Local	up to 1%
	Fire Alarm	Local	up to 1%
	Age of home	20 Years Old	up to 2%
	Smoke Detector	Smoke Detector	up to 1%
	Fire Extinguisher	Fire Extinguisher	up to 1%
	Storm Shutter	Storm Shutters	up to 1%
	Deadbolt	Deadbolt	up to 1%

See How Much Auto Insurance Costs in Arlington Texas HERE

Home Insurance Carriers in Arlington, Texas

What does the standard Home Insurance Policy in Arlington, TX Include?

Homeowners insurance offers coverages with the goal of protecting your home, personal belongings, and your liability in case your home becomes damaged to a peril/loss including a visitor’s medical fee, fire, robbery /vandalism, etc. Policies vary, but take a look at some of the most usual coverage choices below:

• Dwelling Coverage (A): this protects your home’s physical structure, for instance, your home’s foundation, roof, and walls. It can even protect structures that are linked to your home such as a deck, detached garage, or patio. Dwelling coverage is an important coverage for homeowner’s insurance.
• Other Structures Coverage (B): whereas the principal structure of your home is covered by dwelling coverage, structures that are not linked to your home will require other structures coverage to stay protected. This encloses decks, detached garages, sheds/shops, etc.
• Personal Property Coverage (C): protects against damaged personal possessions that happen from particular perils including fires, theft, or vandalism. Each policy differs and what is or isn’t covered will depend on your insurance company. For more costly objects such as art or jewelry, you may need extended coverage options.
• Loss of Use/Additional Living Expenses Coverage (D): should a covered peril generate a circumstance in which your home is unlivable, this coverage aids you pay for where you temporarily live while waiting for your home to be rebuilt to a habitable state.
• Personal Liability Coverage (E): this coverage is to protect homeowners against possible medical expenses that can accumulate should a visiting party become injured on your property and you are found responsible. Personal liability coverage can also cover possible legal fees related with the injury.
• Medical Expenses Coverage (F): within your homeowner’s insurance policy, it helps to cover the essential medical bills of a guest in your home should they become hurt while visiting your property. Medical expenses coverage can even help balance costs if you are not responsible.

Supplementing Your Homeowners Insurance Policy in Arlington

There are several perils your home may face that aren’t covered by your standard home insurance policy. Through endorsements, additional coverage options, and changing your homeowner’s insurance policy, you can gain even more protection. Take a closer look at some of the options you have when searching for additional protection and speak with an agent to find the best options for your needs:

• Flood Insurance- Floods continue to devastate cities across Texas and the United States and you may be surprised to learn that flood damage is not covered by your homeowners insurance. The Dallas, TX, region has a moderate risk of flooding over the next 30 years according to Flood Factor making it a threat to residents in the area. As many as 1 in 4 flood claims come from homeowners who live outside of high-risk areas. Adding flood insurance helps protect against a common threat to your home by helping you restore flood-related losses.
• Umbrella Insurance- Liability protection is important for every homeowner but for those with more to lose, it is a critical component. In the event of a lawsuit, your assets could become vulnerable without the right protections in place. Avoid losing what you’ve worked hard for by purchasing umbrella insurance that can cover your valuables after you’ve reached your policy limits.
• Scheduled Personal Property Coverage- Your homeowner’s insurance policy will protect your personal belongings, but there are policy limits. If you are looking to protect valuables like jewelry and fine art with values that exceed your coverage, this endorsement can help protect your high value or unique items
• Extended Replacement Cost- Although not all losses are completely devastating, some are and can exceed the amount of coverage you have for your home. For example, one of the rarest perils a homeowner may face is also the most expensive, a house fire. If you suffer a total loss and require replacing your possessions and rebuilding your home, extended replacement cost coverage can help you cover losses outside of your homeowners insurance’s coverage.

The Secrets to Saving on Home Insurance in Arlington Texas

If you’re a homeowner, chances are you’re going to want to save money on your home insurance policy. A home is your shelter and your investment. Putting a significant amount of money into your home is a great financial move, but you’ll also need to protect your interest. Home insurance policies differ from homeowner to homeowner. This is due to several reasons including your coverage needs, personal factors which affect your premium, and characteristics of your home, just to name a few. But saving on a home insurance policy is the shared dream of all homeowners. Your dream can be a reality through these easy to follow tips:

• Compare your rates among a variety of insurance brands. Each insurance brand will assess your risk differently which leads to differing insurance premiums. By shopping around you can find the right company for your needs.
• Bundling: your home insurance policy with your auto insurance
• Increase your deductible for a lower home insurance premium.
• Install improvements to your home that increase its ability to sustain natural disasters, prevent crime, or keep your household safe. (Examples: Hurricane grade storm shutters, security systems, a fire alarm system with sprinklers, etc.)
• Loyalty discounts: Customers who stay with the same insurance company for a long time are rewarded with discounts.
• Near a fire hydrant/fire station: The closer you are to a fire hydrant and also the fire station, the faster fires can be put out, earning you a discount.
• New home: New homes typically are built with stronger safety innovations, making claims less costly.
• High-quality roof: Hail and wind damage are among the top reasons homeowners file a claim. A sturdy roof can lower your premiums. (Of course, it lowers your heating bill and looks nice, too. Sweet!)
• Tidy yard: When insurance reps visit your property, they like to see it looking spiffy. Neatly trimmed grass, shrubs, and trees lower fire risk and show the insurance company that you care about your property. Discount!
• Avoid recreational hazards: A home without a pool or trampoline is at much less of a risk of a claim, earning you a discount on your coverage.

There are plenty of ways to save money on your policy and seeing as every homeowner needs this protection, it only makes sense to receive it at the lowest rate. Texas has some of the highest home insurance rates in the country making it imperative for homeowners to take the necessary steps to save money. Shop around, bundle when you can, and do your part in protecting your home for the best results.

Zip Codes in Arlington, TX That Freedom Insures

76001 76005 76011 76015 76019 76112

76002 76006 76012 76016 76040 76119

76003 76007 76013 76017 76060 76120

76004 76010 76014 76018 76096

Freedom Insurance Group is Arlington’s Finest Home Insurance Provider

Arlington is a city in Texas, situated in Tarrant County. Its part Dallas/Fort Worth, Arlington urban area, and is a main city of the metropolis. The population as of 2021 is 398,855. The University of Texas at Arlington is homebased in Arlington, as well as many important businesses. European establishment in the Arlington part goes back to the 1850s. Arlington is named after General Robert E. Lee’s Arlington Home in Arlington County, Virginia. Arlington hosts huge events and offers its people countless activities. Freedom Insurance Group is honored in being the main insurance provider in Arlington TX and is honored to provide service to its residents.

Resident Resources in Arlington

Police Department in Arlington	Fire Department in Arlington
101 S Mesquite StArlington, TX 76010-1117   (817) 459-5748	Celeste CtArlington, TX 76012   (903) 568-4713

Major Neighborhoods in Arlington

Arlington Downs Townhomes	Hillcrest	River Legacy Estates
Arlington Gardens	Hillcrest Park	River Ridge
Arlington Meadows	Hollandale East	Robin Hood
Arlington Oaks Condo	Hollow Creek Estates	Rolling Acres
Arlington Park	Hollow Creek Place	Rolling Meadows
Arlington Shores	Holly Hollows	Runnymede Woods Estates
Arlington Terrace	Holly Springs	Rush Creek Ranch Estates
Ascension Poiknt Condo	Homemaker Hills	Rushmoor
Ashbury Square	Hunter Bend	Saint Andrews Estates
Avondale Place	Hunter Green	Saint Claire Woods Twnhs
Avonhill Estates	Hunter Pointe	Sandalwood Estates
Baird Hollow	Hunters Creek	Santa Fe Springs Estates
Bay Club	Huntwick	School Hill
Bay Lakes Estates	Indian Hill	Scots Wood Estates
Bay Lakes North	Indian Oaks Estates	Scots Wood
Bayberry Hills	Indian Wells	Seclusion Ridge
Berkeley Square	Interlochen West	Seville Hills
Briar Meadow	Island At Enchanted Bay	Shadow Ridge
Briarwood Estates	Jones Samuel	Shady Oaks Estates
Brighton Village	Kelly S D South	Shady Oaks Garden Home
Brittania	Kee Brook Estates	Shady Valley Acres
Brittania Gardens	La Frontera	Shady Valley Estates
Brittany Meadows	Lake Arlington Highlands	Shady Valley North
Brookhaven Estates	Lake Hill Estates	Shady Valley West
Brookhollow	Lake Port Meadows	Sherwood Village
Brownlee Meadows	Lake Port Village	Shore Breeze
Buckingham Estates	Lakehill Manor	Shorewood Estates
Calender Place	Lonesome Dove Estates	Sierra Elite Estates
Cambric Estates	Lost Creek Estates	South Center Street Twnhms
Cantor Park Condo	Lucas Park	South Cooper Estates
Carillon Estates	Lynn Creek	South Pointe
Cedar Oaks	Lynn Creek Village	South Ridge Hills
Cedar Place Garden	Manchester Place	Southmoor
Cedar Ridge At Arlington	Manorhomes Of Wimbledon Condo	Southwind
Cedarwood	Marthas Vineyard	Southwind Meadows
Chantilly Court	Matlock Manor	Spring Lake
Chapparal Valley	Maybrook	Spring Meadows
Charter Oaks	Mayfield Farms	Springridge
Chasewood Oaks Condo	Mayfield Meadows	Stage West
Chen Meadow	Mc Knight Manor	Stagecoach Estates
Cherry Creek Estates	Mc Knight Manor West	Stonebriar Park Estates
Chestnut Hills East	Meadow Creek	Stonebrook Estates
Chestnut Hills	Meadow Green	Stoneridge
Cloisters Condo	Meadow Oaks	Stoneridge West
College Oaks	Meadow Park Estates	Summerwood
Collingwood Village	Meadow Vista Estates	Sunset Hills
Collins Terrace	Meadowbrook Park	Terrace Hill Estates
Colonial Estates	Mill Creek Estates	The Crest
Colonial Greens South	Millbrook	The Oaks
Cooper Square	Mondavi Estates	The Oaks North
Coronet Estates	Monterrey	Tiffany Estates
Country Green	Monties Ranchettes	Tiffany Park
Countryside	Moore Dobkins Estates	Timber Run Estates
Creekside Park	Moorewood Estates	Toftrees
Crossgate	Mountain View	Town North
Crossing At Ruidosa Ridge	Murwick	Trails East
Daniel	Newport Village	Turf Club Estates
Deer Creek	Nob Hill	Tuscany Lakes
Eagles Nest	North Creek Estate	Twin Hills
Eden Road Estates	Northbrooke	University Hills
Edgefield	Northcrest Park	Valley View
Edgewood	Northwest Heights	Vermillion Place
Elements at Viridian	Oak Country	Village Glen Estates
Elm Shadows North	Oak Creek Condo	Villas Of La Frontera South
Enchanted Bay	Oak Creek Estates	Villas On The Parc
Enchanted Lake Estate	Oak Lake	Viridian
Enchanted Oaks	Oak Ridge Estates	Viridian Manor
Estates Above Wimbledon	Oak Tree Estates	Viridian Village
Estates Of River Ridge	Oakbrook	Warnell W W West
Fairfield	Oldfield Village	Waterfront At Enchanted Bay
Fairway Meadows	Olympia Park	Waterway Park North
Fannin Farm	Ouro Verde	Waterwood Estates
Fannin Farm West	Overland Stage Estates	Waterwood Village
Fielder Place	Overland West	Waverly Place
Ford	Palos Verdes	Webb Britton Estates
Forest Creek	Paradise	Wellington Place I Condos
Forest Park	Park Chase	Westador
Fossil Lake	Park Highlands	Westlake
Fox Run	Park Place East	Wheat John
Foxwood Glen	Park Place North	Whispering Meadow
Georgetown Commons	Park Run	Whisperwood Creek
Georgetown	Park Springs	Whitley Place
Glen View	Parkcrest Place	Wildwood Estates
Glenbury	Parker Oaks Estates	Wilemon
Glynn Oaks	Parkway Central	Willow Bend
Glynndale	Parkway North	Willow Wood
Grand Park Estates	Pebblebrook Village Condo	Will’s Place
Green Leaf	Pecan Meadows	Wimbledon Commons
Green Meadows	Pecan Park	Wimbledon South
Guerin Square	Pennsylvania Gardens	Wimbledon West
Hallmark Manor	Phillips Park	Windemere
Hamlin T Estate	Pinehurst	Winding Creek
Hampden Woods	Pinehurst Meadows	Windsor Terrace
Harris Crossing	Pineridge Estates	Windsor Woods
Harris Heights	Plaza Heights	Windtree Ridge
Harris Ridge	Plaza Terrace	Windy Pine Park
Hartstone Meadows	Potomac Pointe	Wood Creek
Harvest Hills	Prestonwood Estates	Woodbine
Harwood Meadows	Quail Creek	Woodbrook
Hidden Creek Estates	Quail Hollow On The Lane	Woodfield
High Country Estates	Quail Valley	Woodland Park East
High Meadows	Randol Mill Park Garden Home	Woodland Park Estates
Highland Park	Randol Wood	Woodland West Estates
Highland Ridge	Regency Place	Woodland West Village
Highland Villas	Ridge Point	Woodridge
Highpoint	River Bend	Woods & Collins
Highpoint Manor

Freedom Insurance Group is Proud to Serve Arlington, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find homeowners throughout Arlington, Texas, the right coverage options for your needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each homeowner’s needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your home that doesn’t break the bank. Contact us today or get a free home insurance quote with only a few clicks of a button.

Freedom Insurance specializes in the following Texas Insurance Services:

• Auto Insurance Quotes
• Home Insurance Quotes
• Boat Insurance Quotes
• Business Insurance Quotes
• Motorcycle Insurance Quotes
• Landlord Insurance Quotes
• Umbrella Insurance Quotes
• RV Insurance Quotes