How much is homeowners insurance in Dallas, Texas?

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In Dallas, homeowners pay an average annual rate of $4,122 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $1,618 more than the national average of $2,504 .

Homeowners insurance rates change from one home to another. The home insurance premium in Dallas depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Dallas, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Dallas.

Key Takeaways

In Dallas, homeowners insurance costs $4,122 annually.
State Farm offers the most affordable homeowners insurance in Dallas with an average annual premium of $3,769 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $962 higher.

How much is homeowners insurance in Dallas per month?

How much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.

Homeowners in Dallas pay an average of $343 per month. It’s $23 more than the state average of $320 and $134 more than the national average for home insurance across the nation.

How much is homeowners insurance for a $200,000 house in Dallas?

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $3,160 per year in Dallas. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Dallas?

As per rate analysis by Insure.com, homeowners residing in Dallas typically pay an average of $4,122 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $962 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Dallas by company?

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in Dallas, offering an average annual rate of $3,769 , while Progressive ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Dallas and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in Dallas and what you can expect to pay with each one on average.

Home insurance company	Annual rate
State Farm	$3,769
Progressive	$3,944
Farmers	$4,073
Nationwide	$6,875
USAA*	$3,523

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Texas that can impact your home insurance

Living in Texas comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Texas is commonly affected by Cold wave, Hail, Heat wave, Lightning, Riverine flooding, Strong wind, Tornado and Winter weather.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

TIP

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Dallas for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

How much is home insurance in other cities?

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.