Shop Quotes For Tyler Texas Home Insurance Rates

How Much Does Tyler, TX Homeowners Insurance Cost

Homeowners in Tyler, TX pay about $1302 annually on home insurance.  If you bundle auto insurance with your home insurance quotes, the bundle discount on home insurance could be $200 to $400 more.


Coverage Level Average Annual Rate
$200,000 Home Value $1,180
$250,000 Home Value $1,267
$400,000 Home Value $1,638
$500,000 Home Value $1,865
$600,000 Home Value $1,986
$750,000 Home Value $2,198


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

Tyler, 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
Tyler 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 Tyler, 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 Tyler, 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 Tyler

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 Tyler 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 Tyler:

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 Tyler TX That Freedom Insures

75701 75707 75711 75798

75702 75709 75712 75799

75703 75710 75713


Freedom Insurance Group is Tyler’s Finest Home Insurance Provider

Tyler is a city in Texas and the main city and county seat of Smith County. The population as of 2021 is 106,990. Tyler, TX is situated in northeast Texas and is recognized as the Rose Capital of America since on a specific time of year, tons of rose bushes bloom. From roses to zoological gardens, the city provides a diversity of family oriented lures such as the Tyler Rose Festival and the Caldwell Zoo. Tyler is the biggest selling, medical, and commercial center in East Texas.

When Tyler customers are in search for quality in Home Insurance at low rates, they don’t look further than Freedom Insurance Group. We shop 25+ class A insurance companies and find the best choice for our customers. We also answer all your questions in English and Spanish through our bilingual customer service team. We shop multiple carriers and help you save!

Main Home Data in Tyler
106,990Total Population in Tyler, TX
$189,899Average Home Value in Tyler, TX
$42,755Median Household Income in Tyler, TX
34Median Age in Tyler, TX


Resident Resources in Tyler

Police Department in Tyler Fire Department in Tyler
411 W Martin L King BlvdTyler, TX 75799(903)531-1010 9111 Paluxy DrTyler, TX 75703(903) 534-5129


Main Neighborhoods in Tyler, TX

Eastside Road

Eastside Road is the best oceanfront living offered in Tyler, TX. Far away from the city, yet near enough to the downtown area. Dwellers and tourists can reconnect with wildlife and relish fun activities.

Azalea District

Azalea District is a significant neighborhood in Tyler, Texas. The lovely early to mid-20th century dwellings are distributed into 36 diverse sections. Close by are restaurants, schools, and the Children’s Park of Tyler.


Midtown in Tyler is a neighborhood ideally located for those who want to be close to the city center but not in it. Enclosed by a diversity of fun, restaurants, and shops, residents also have access to medical clinics and the Tyler Museum of Art.

Major Neighborhoods in Tyler

155 above Grande Acadia Place Andy Woods
Anitoch Anne Road Ashmore
Azalea District Backside Slide 850 Baxter / Houston
Bel-Air Estates Bellwood Heights Belmead
Birdwell Blue Mountain Bradford Place
Broadmoor Heights Brookside/Old Bullard Rd Brynmar Court
Bullard Place Bulldog Country Cambridge Bend Estates
Cambridge Estates Carson Square Cascades
CCLP Chapel Hill Chapel Woods East
Charleston Park Chimney Creek Club Lake Estates
Colonial Bullard Road Commerce/Erwin St Country Hills
Country Place Courtyard Cr 119
Cumberland Estates Cumberland Place DEAN
Deerwood Dixen Comunity Downtown
E 8th St Eagles Nest Eisenhower Dr
ETX Fairgrounds Fair Meadows Faulkner Park
Gassoway Park Glenwood Golden
Good Ol Hwy 31 Granbury Court Grande Blvd
Greenbriar Lake Greenwood Village/Saddle View Greer Meadows
Guinn Farms Hampton Hills Havens
Henry M Bell Heritage South Hidden Hollow / Taylor Rd
Highland Park North Highlands Highland Terrace
High Point Hilshire Hollycreek Village
Hollytree Hwy 110 Indian Creek
Indian Trace Irish Meadows Jamestown Rd
Jeff Davis/Jeb Stuart JH Ranch Jonestown Rd/Neighbors Rd
Kensington Place Kilpatrick Heights Kingspark
Knollwood Lake Placid Road Laura Leigh Acres
Lavender / Hwy 14 Corridor Loop 323 – E 5th Manor Place
McClenny Dr Meador Cemetary/Boscom Meadow Brook
Midtown East Mt Sylvan N Broadway Ave
Near Movie Theater Negems Country Acres New Harmony
Noble Young Park North Antioch North East Lavender
North Lavender Road Oakbrook Estates Oak Grove
Oak Hills Old Gladewater Hwy Old Seven Holiday
Parkview Garden Pine Brook Pine Spring
Pleasant Hill Pleasant Retreat Rd Prestonwood
Raintree Rieck Robert E. Lee
Robinson Dr Saddle Creek / Old Mill Salado
Shiloh Pines South Central Tyler Spring Lake
Spring Street State Park I 20 and 14 Stonebrook
Stone Creek Stonegate Stoneleigh
Summerwood Sunnybrook – Brookside Sunny Lane
Swan Tall Timbers Estates Teakwood/Brookside
The Woods Timber Creek Timberidge
Timberwilde Estates Tipton Ave / Suanne Dr Town Village South
Vanderbilt Estates Victory Dr Villa Montez Neighboorhoo
Wellington Place Wells Charnwood West Mud Creek
West Rice Elementary Whispering Wilder Way
Williamsburg Village Willscott Winona
Wooded Way Woodhall Pl/Shiloh Rd Woodland Estates
Woodland Hills Woodlands Wood Springs
Yancy Lane


Freedom Insurance Group is Proud to Serve Tyler, 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 Tyler, 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


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