Cheap Home Insurance Rates in Carrollton Texas

How Much Does Carrollton, TX Homeowners Insurance Cost?

In Carrollton, TX the standard cost for homeowner’s insurance is about $1,180 a year, which is $2,250 less than the Texas standard of $3,430. At Freedom Insurance Group, our clients see a significant saving each year on their home insurance.

Cheap Homeowners Insurance in Carrollton, Texas

If you are looking for cheap homeowners insurance in Carrollton, Texas, you are not alone. Of the 50,301 homes in the city, around 30,030 of these units belong to homeowners. The largest investment of many homeowners continues to be their home itself making home insurance a non-negotiable.

Protecting your home is a high priority, but overpaying for your coverage isn’t necessary. The ideal balance should provide you with the best possible coverage for your home without having you pay more than you need to. For this reason, it is important to pinpoint how much coverage you need and find the cheapest price for coverage that reflects that need.

If you look around, you’ll find a ton of insurance brands out there and while they may all be competing for your attention through flashy ads and catchy taglines, they may not be trying to give you the lowest rate possible after all. There’s a reason for that, but with the right tools and team, you can enjoy cheap homeowners insurance that doesn’t skimp on coverage. Here at Freedom Insurance Group, we are here to help you find exactly what you need.

carrollton texas home city freedom insurance

Home Insurance Discounts Available in Carrollton, 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%


Who Has The Cheapest Home Insurance in Carrollton, TX?

The cheapest home insurance coverage for homeowners in Carrollton, TX, will depend because every brand is different. These differences come from several reasons, but it all boils down to the fact that each insurance brand is going to look at the amount of risk that comes with insuring your home. Many of these factors relate to your home such as its age and where its located, but some will involve you as a homeowner including your credit score.

Each brand is going to assess these factors and risker homes are going to receive higher premiums whereas homes with fewer risk factors are going to pay less. The reason you can see a wide range of costs for your premiums, however, is because while this assessment is the same for each insurance company, they are going to all do it differently.

This means that if you have two homes located in Cedar Elm Estates that are similar in risk factors such as location, size, and age, they can still have different premiums due to personal factors of the homeowner and which insurance carrier they enroll with. Getting your home insurance quote from a variety of providers is the best way to know where you stand, but an average can help you gain a general idea about what to expect to pay in your area.

The Average Cost of Homeowners Insurance for Carrollton, TX

In Carrollton, TX the standard cost for homeowners insurance is about $1,180 a year, which is $2,250 less than the Texas standard of $3,430. At Freedom Insurance Group, our clients see a significant saving each year on their home insurance.

Instant Home Insurance Quote for Homes in Carrollton, Texas

Understanding how to compare home insurance quotes is important. By doing so, you are saving hundreds if not thousands of dollars every year. This is a time-consuming task for homeowners, as you’ll need to search through various insurance brands, fill out multiple forms, track your data, etc.

Freedom Insurance Group is proud to help homeowners in Carrollton, Texas find the best rate for their protection. Our easy-to-use, free home insurance quote tool is available to make your search easier. By partnering with more than 25 top-rated insurance brands available in the state of Texas, we can help you search across multiple brands at once and get an accurate quote for your home insurance quicker.

Does Getting Home Insurance Quotes Affect Credit?

No, a home insurance quote will do what’s known as a “soft pull” for your credit and while it may show up on a personal credit report, you won’t see your credit fall for getting a quote. You can use our free online tool for an accurate homeowners insurance quote.

Popular Homeowners Insurance Discounts for Carrollton, TX

It’s one thing to find the right home insurance coverage for your home, but another to be sure you are getting a good deal. One of the best ways to save money on your protection is through the use of homeowners insurance discounts. There are many available to homeowners. Explore your options and find the right discounts for your household:

Bundling Discounts

Insurance bundles are one of the biggest discounts available to homeowners. As a reward to customers, homeowners who combine their coverage with additional protection such as an auto insurance policy will receive a lower overall rate for their premium. It’s a great way to enjoy the protection you need for less!

An important thing to remember is that homeowners may be able to save money depending on which company they enroll with. Working with an insurance agency such as Freedom Insurance Group allows you access to more bundles at once. We can compare your rates and coverage to deliver the best bundle for you, rather than an individual insurance brand.

New Home Discounts

As Carrollton, TX continues to be one of the more desirable cities to live in America, more and more housing is becoming necessary. Demand is high and a higher supply of homes is necessary to house the growing population.

Age is one of the biggest factors that determine your home’s insurance costs. This is because newer homes are less likely to have as much wear and tear which poses less of a risk to you and your insurance company. Buying a new home can give you sizable discounts and lower premiums due to the reduced risk newer homes provide.

Discounts Based On Your Home’s Safety Features

Smoke detectors, security systems, and carbon monoxide detectors are all great ways to keep your family safe. They can also help you save money on your home insurance. Because these features are centered on keeping your household safe, they help you mitigate risk.

More Than Cheap Home Insurance for Homes in Carrollton, TX

As a business that has been helping protect homeowners throughout North Texas for over 16 years, we are proud to be a resource that is here to help. Our agents offer next-level customer service and can help you navigate the complicated world of insurance to meet your needs the best.

The best way for homeowners in Carrollton, TX, to save money comes from taking the time to search through a multitude of insurance brands and compare their rates. This is a very hands-on, time-consuming endeavor for homeowners, which is why we do the hard work for you. Freedom Insurance Group has plenty of insurance partnerships that are established and allow us to search your rates for you quickly and efficiently.

How Home Insurance Companies Protect Homes in Carrollton, TX

Your home protects you and your family, but home insurance protects your home itself. The main form of protection in a standard home insurance policy (HO-3 policy) comes from Coverage A: Dwelling. Here, your home receives coverage from many perils it might face. Here are a few common perils homes in Carrollton, TX might face:

  • Hail and wind damage to roof.
  • Fire, lightning, and smoke damage.
  • Theft.
  • Damage caused by aircraft, vehicles, and falling objects.
  • Vandalism and civil commotion.

There are plenty of other perils you are also protected from, but these are some of the most common affecting the Carrollton, Texas area. In addition to protecting your home’s structure, homeowners also receive coverages that include additional structures on your property, your personal possessions, liability coverage, and more. Homeowners insurance isn’t a blanket coverage, but it does a great job covering a multitude of things that may otherwise cause harm and leave you with the bill.

Which Area Is Not Protected by Most Homeowners Insurance?

Because homeowners insurance is not blanket coverage, some homeowners may be surprised to learn that not everything is covered by your policy. Several areas require either additional coverage or will have to be paid for out of pocket:

  • Earth movement such as an earthquake or a sinkhole is not covered by a standard home insurance policy.
  • Normal wear and tear and pest infestations won’t be covered by your policy.
  • Flood events require flood insurance which is a separate coverage from homeowners insurance. Thankfully, Carrollton, Texas, is typically safe from such events.

If you are looking to gain coverage against such perils, speak with an insurance agent about an HO-5 homeowner insurance policy that covers more, or additional policies to discuss your options.

How Much Home Insurance Do I Need?

You’re going to want to have enough home insurance to cover your home after suffering a potential total loss. For example, if you have a home insurance policy that doesn’t have enough coverage to fully restore your home after a fire burns it down, you’ll be left paying the rest of the repairs yourself. This is important because as a home is the biggest investment for most homeowners, being unable to fully restore your shelter can pose multiple problems including staying in good standing with your mortgage provider.

Even for homes that are paid off, home insurance is important, and having enough to cover a major loss is still the goal. Considering labor and materials continue to rise, as do home values in many cases, it’s also a good idea to review your policy every year to ensure that you stay at the optimal level of protection.

Best and Worst Homeowners Insurance Companies in Carrollton, Texas

Many homeowners look at home insurance companies based only on price. There is no doubt that the amount you’ll pay for protection is very important. But there are other things to consider when choosing a home insurance company:

  • Can your insurance provider pay your claim on time and in full?
  • Are you working with an agent that understands the market of Carrollton, Texas?
  • Can they provide quality customer service during your time of need?

The ability to pay your claim should you have to make one is a huge thing that many homeowners may overlook. It’s assumed that if you make your premium payments on time if you submit a claim, you’ll be able to receive the money you deserve.

Unfortunately, that is not always the case and it is for this reason that we here at Freedom Insurance Group only do business with top-rated insurance companies.

Independent credit rating agencies will rate insurance carriers using several metrics that determine whether or not they can fulfill their financial obligations to their customers. A single home in need of repairs is unlikely to be a concern, but should a major tornado hit or a hailstorm wreak unspeakable damage, you’ll want to be sure that your claim is met.

Top-rated insurance carriers can pay in full and on time when claims are met. They are financially strong and can support the growing number of homeowners in the state of Texas. This is why we are proud to work with over 25 top-rated insurance companies for our clients. The partnerships we continue to cultivate can give you peace of mind in knowing that if the worst should befall your home, your claim can be met with confidence.

We’ve Served Carrollton, Texas Since 2005

From hitting the links at the Indian Creek Golf Club to enjoying a picnic at Mary Heads Carter Park, we love Carrollton, Texas. Boasting wonderful neighborhoods such as Rollingwood Estates, Country Place, and the Estates at Wellington Run, the city is a great place for homeowners looking for a charming community to build a life in.

We may not have been around as long as the art deco theater that is now the Carrollton Plaza Arts Center, but we’ve been helping homeowners save money on their home insurance coverage since 2005.

Our team works with many top-rated insurance providers available to homeowners in Carrollton, Texas. In fact, our insurance center has more than 25 brands that we’ve partnered with to deliver you the best protection for the lowest price every time. Freedom Insurance Group is proud to be a part of this North Texas community and is here to help. Contact us today or ask an agent about how much money we can save you.

Proudly Saving Homeowners in Carrollton, TX 40% on Home Insurance

The zip codes served by our agents in Carrollton, TX:

  • 75006
  • 75007
  • 75010
  • 75011
  • 75019

POPULAR PROPERTY COVERAGE LIMITS IN CARROLLTON TEXAS

Coverage Level

Average Annual Rate

$200,000 Home Value

$1,169

$250,000 Home Value

$1,234

$400,000 Home Value

$1,610

$500,000 Home Value

$1,820

$600,000 Home Value

$1,998

$750,000 Home Value

$2,187

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

Carrollton, 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

Carrollton 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.

What does the standard Home Insurance Policy in Carrollton, 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 Carrollton

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 Carrollton 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.

Freedom Insurance Group is Carrollton’s Finest Home Insurance Provider

Carrollton is a city in Denton, Dallas, and Collin counties Texas. The population as of 2021 is 139,250. Its very probable that Carrollton was named after Carrollton, Illinois, the original home of many English settlers in the area. Both tourists and locals are engrossed to the city’s great superiority of life, flora and fauna, and superb schools. Freedom Insurance Group is honored to be the main insurance provider in the area, offering top-level coverages and rates.

beautiful downtown carrollton texas insurance

At Freedom Insurance Group we only work with quality, which is why Carrollton, Texas home owners can always anticipate an excellent home insurance policy from a top rated insurance carrier at a low rate. As a Texas owned agency with over 14,000 clients through the state, we achieve business in Carrollton by shopping for insurance through our bank of 25+ insurance carriers, our wide business knowledge and friendly customer service.

Resident Resources in Carrollton

Police Department in Carrollton

Fire Department in Carrollton

2025 E Jackson Rd Carrollton, TX 75011

(972) 466-3252

1111 W Belt Line Rd #100, Carrollton, TX 75006

(972) 466-3070

Major Neighborhoods in Carrollton

1800’s – Heron & Egret

Amber Lane

Arbor Creek

Ash Hill

Austin Hills

Austin Waters

Autumn Chase

A.W. Perry

Ballantrea Springs Apts

Benton Ln

Bluffview

Cambridge Estates Shires

Carillon Hills

Carrollton Heights

Carrollton Oaks

Carrollton Summertree

Clip Cuts

Country Club Apartments

Country Club Dr

Country Place

Countryside

Country Villas

Creekridge Estates

Creekside Estates

Creek Valley

Daisy’s Kingdom

Diamond Ridge Estates

Edentree

Fairway Vista

Frankdford Place

Frankford and Josey

Furneaux

Harvest Run

Hebron Pkwy

Hebron Trails

Hidden Island

High Country

Highlands

High Ridge

Hill ‘n Dale

Holiday Park

Hollyridge

Homestead

Hunters Creek

Huntington Cove

Indian Creek

Indian Springs

Jackson Arms

Josey Park Estates

Josey Place

Josey Ranch West

Keller Springs Village

Kelly Blvd

Marbella

Martha Pointer Park

McCoy Estates

Midway/Sojourn

Mill Valley

Monetary

Moore Farm

Morningside 1

Mustang Park

Nally Heights

Nob Hill

Northcrest

North Oak Hills

Nottingham Estates

Oakbrook

Oak Creek Estates

Old Carrollton

Old Downtown

Palisades Point

Park Terrace Original Town

Parkview of Carrollton

Peters Colony

Plano Pkwy

Plumdale/Willowgate

Pond At Briarwyck

Quail Creek

Rambling Ridge

Rhoton Park

Ridgeview

Riley Ranch

Rolling Hills

Rollingwood Estates

Rosemead

Sandy Lake

Santa Rosa Heights

Shawnee Trail

Spicewood Crossing

Stone Creek Neighbors

Sumner Oaks

The Coves

The Ellis

The Mansions

The Palisades

The Parks at Raiford

The Ridge

Timbercreek Estates

Trails at Arbor Hills

Trinity Mills

Trinity Square

Two Worlds – Keller Springs

Villages Of Greenway Park

Walnut Ave

Warmington Meadows

Wellington Run

Westbridge

Wind Dance

Windmill Hill/Blalack MS

Woodcreek

Woodcrest Estates

Woodgate

Woodlake

Main Neighborhoods in Carrollton, TX

Mustang Park

Mustang Park is a stunningly planned designed neighborhood situated amid Plano Parkway. The area offers a swimming pool, play area, and a reserved fishpond.

Rollingwood Estates

Rollingwood Estates is situated amid East Trinity Mills Road. Close to the area is Martha Pointer Park, Woodlake Tennis Courts, and Carrollton Greenbelt.

Highlands of Carrollton

Highlands of Carrollton is situated on East Rosemeade Parkway. The area is close to Branch Hollow Park and Arbor Hills Nature Preserve.

Freedom Insurance Group is Proud to Serve Carrollton, 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 Carrollton, Texas, the right coverage options for their 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
  • Contact Us

    Freedom Insurance Group
    3861 Long Prairie Rd Ste 110
    Flower Mound, TX 75028
    Phone: (972) 798-3769

    BUSINESS HOURS

    M-F: 8:30 am - 6:00 pm
    SAT: 10:00 am- 2:00 pm
    SUN: closed

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