Shop Quotes For Dallas Texas Home Insurance Rates

How Much Dallas, TX Homeowners Insurance Cost?

In Dallas, 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.

POPULAR PROPERTY COVERAGE LIMITS IN DALLAS TEXAS

Coverage Level

Average Annual Rate

$200,000 Home Value

$1,180

$250,000 Home Value

$1,286

$400,000 Home Value

$1,659

$500,000 Home Value

$1,854

$600,000 Home Value

$1,892

$750,000 Home Value

$2,080

 

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

Dallas, 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

Dallas 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 Dallas, 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 Dallas, 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 Dallas

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 Dallas 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 Dallas:

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!

We insure auto & home insurance for the following Zip Codes in Dallas, TX

75201 75222 75242 75267 75336 75374

75202 75223 75243 75270 75339 75376

75203 75224 75244 75275 75342 75378

75204 75225 75245 75277 75346 75379

75205 75226 75246 75283 75350 75380

75206 75227 75247 75284 75353 75381

75207 75228 75248 75285 75354 75382

75208 75229 75249 75286 75355 75386

75209 75230 75250 75287 75356 75387

75210 75231 75251 75294 75357 75388

75211 75232 75252 75295 75359 75389

75212 75233 75253 75301 75360 75390

75214 75234 75258 75303 75363 75391

75215 75235 75260 75310 75364 75392

75216 75236 75261 75312 75367 75393

75217 75237 75262 75313 75368 75394

75218 75238 75263 75315 75370 75395

75219 75239 75264 75320 75371 75396

75220 75240 75265 75323 75372 75397

75221 75241 75266 75326 75373 75398

 

Freedom Insurance Group is Dallas’s Finest Home Insurance Provider

Dallas is a city in Texas and the main city seat of Dallas County, with fractions ranging into Collin, Denton, Kaufman and Rockwall counties. The population as of 2021 is 1,343,575.Situated in North Texas, the city of Dallas is the center of the biggest urban area in the Southern US and the main inland urban area in the U.S. Historically, Dallas was populated by the Caddo settlers prior Spanish colonists. Dallas is named after Alexander James Dallas, who was the United States Secretary of the Treasury at the end of the War of 1812. Presently in Dallas there is something for everyone to enjpy and participate in! Freedom Insurance Group is honored in being the main insurance provider in Dallas, TX.

When Dallas homeowners are in search of quality Homeowners insurance, coverages and rates, they shop with us at Freedom Insurance Group. We shop 30 different top-rated carries and find the best option for you. We also answer all you question in English and Spanish. A Texan owned and independent agency, Freedom Insurance Group accomplishes business for residents in Dallas, TX, daily through our great bilingual customer service and wide business knowledge.

Major Neighborhoods in Dallas, TX

BALCH SPRINGS

HALL ARTS RESIDENCES

UNIVERSITY PLACE

BENT TREE

HAWKINS-WELWOOD

VERBENA

BLUFFVIEW

HOLLYWOOD SANTA MONICA

VUE AT KNOLL TRAIL

CITYPLACE

JUNIUS HEIGHTS

ZANG TOWNS

ARTS DISTRICT

KIMSEY TOWNHOMES

DEEP ELLUM

BISHOP ARTS DISTRICT

L STREETS

DISNEY STREETS

BOB THOMPSON

LOFTS ON BENNETT AVENUE

DOWNTOWN DALLAS

BOOTH BROTHERS

M STREETS

EAST DALLAS

BRYAN HEIGHTS CONDOS

MERIDIAN

HIGHLAND PARK

BRYAN PLACE

MERION

KESSLER PARK

CAPELLA PARK

MIDWAY HOLLOW

KNOX PARK

CARUTH HILLS

MUNGER PLACE

LAKE HIGHLANDS

CASA LINDA

MUSEUM TOWER

LAKEWOOD

CAXTON COURT RESIDENCES

OAK PARK GARDENS

NORTH DALLAS

CHURCHILL WAY

PARKSIDE AT TRINITY GREEN

OAK CLIFF

CLASSIC URBAN

PRAIRIE CREEK

OAK LAWN

CONRAD HOMES

SHARIF & MUNIR

PARK CITIES

DESCO FINE

SPARKMAN CLUB ESTATES

PRESTON HOLLOW

DEVONSHIRE

STEVENS PARK

STATE THOMAS

DINSMORE COURT

SWISS AVENUE CROSSING

SWISS AVENUE

ENCLAVE AT LAKE HIGHLANDS TOWN CENTER

TEAGARDEN ESTATES

UNIVERSITY PARK

FARMERS MARKET

THE GROVE

UPTOWN DALLAS

FAULKNER PERRIN

THE RESERVE

VICTORY PARK

FOREST HILLS

TINLEY PARK

WEST END

GLENCOE PARK

TRINITY BLUFF

WHITE ROCK CREEK TRAIL

GOOSE RUN

TURTLE CREEK

WHITE ROCK LAKE

GREENLAND HILLS

TYPO TOWNS

WINNETKA HEIGHTS

GREENWAY PARK

 

Freedom Insurance Group is Proud to Serve Dallas, 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 Dallas, 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:

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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