Shop Quotes For Arlington Texas Home Insurance Rates

How Much Does Arlington, TX Homeowners Insurance Cost?

In Arlington, TX the standard cost for homeowner’s insurance is about $1,508 a year.  At Freedom Insurance Group, our clients see a significant saving each year on their home insurance.


Coverage Level Average Annual Rate
$200,000 Home Value $1,254
$250,000 Home Value $1,239
$400,000 Home Value $1,655
$500,000 Home Value $1,897
$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.

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%


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.

The benefits of allying with Freedom Insurance Group for Home Insurance in Arlington:

At Freedom Insurance Group, we are convinced that getting first class home insurance should be easy and inexpensive. We shop 25+ quality Insurance companies to find a policy that suits your necessities and finance without ever bargaining on coverage.

We compare and shop your home insurance with our multiple insurance carriers in pursuit for the best coverage and value.

We want our customers to always save on home insurance, so yearly when it’s time to renew, we’ll re-shop and rate your policy to find the best rate for you. You’ll never overpay for insurance again when you choose Freedom Insurance Group!

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 St

Arlington, TX 76010-1117

(817) 459-5748

Celeste Ct

Arlington, 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:

Contact Us

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


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SAT: 10:00 am- 2:00 pm
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