How much is homeowners insurance in Dallas,TX

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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), according to Insure.com’s rate analysis. 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 ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Dallas, what 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

According to our rate analysis, 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 United States.

In Dallas, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $3,160 per year in Dallas, TX. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside 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 sufficient 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 analyzed, State Farm is the most affordable homeowners insurance company in Dallas. It’s average annual rate for homeowners in Dallas is $3,769.

Progressive, ranks second and Farmers makes it to the third spot with an average annual home insurance rate of $4,073.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Dallas and compiled a list of the most affordable home insurance companies.

Below are details of Dallas home insurance companies and their average annual premiums.

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

Methodology

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