Get Dallas, TX Home Insurance Rates!

Dallas is a wonderful place to visit, so wonderful in fact that you might just want to call it home after spending a few days, or weeks in our great city. Dallas has everything Texas has to offer. It doesn’t matter if you are interested in world class shopping, chic lounges, posh bars, or some of the best restaurants in the country, Dallas is a great place to live.

Dallas is not only for adult entertainment, it’s a great place to raise kids. The Dallas Zoo, Perot Museum of Nature and Science, Rory Meyers Children's Adventure Garden at the Dallas Arboretum, Dallas World Aquarium, and Six Flags Over Texas are all perfect places to visit with the kids.

When it’s time to head outside, White Rock Lake, Katy Trail and Klyde Warren Park are lovely spots to get back to nature and enjoy the great outdoors.

Dallas Facts

Dallas is located in the largest urban center of the fourth most populous metropolitan area in the United States. The city of Dallas has a population of 1,281,047 residents as of 2014. In Dallas, there are an average of 9,864 households per zip code with an average of 3 people per house.

The Median household income in Dallas is currently $58,926 and the median home price is a very affordable $150,800. Home prices vary dramatically depending on the neighborhood you end up choosing. High-end neighborhoods such as Preston Hollow and Oak Lawn are fairly expensive with average home listing prices of $778,030 and $758,750. Redbird and Cedar Crest are much more affordable with median prices of $105,233 and $71,738.

Homeowners Insurance in Dallas

Dallas is a bit pricey when it comes to homeowners insurance, like most of Texas. The Lone Star state is ranked number three in the country when it comes to the most expensive homeowners insurance in the country. The average cost of a homeowners policy in Texas is a whopping $1,661, putting it significantly higher than the national average of $1,034.

The cost of homeowners insurance in Dallas is only slightly less than the Texas average coming in at $1,634 a year according to other sources.

Finding an affordable homeowners policy can take some work. Shopping your policy is the best way to save money on insurance coverage. Experts recommend shopping around once a year, and contacting at least five different insurance companies to get quotes. At GetHomeInsuranceQuotes.com, we can provide up to 12 competitive Texas home insurance rates for you to easily shop and compare in one place.

Bundling your coverage’s is another great way to save money on homeowners insurance cost. Keeping your home, car and life insurance with the same insurer can result in discounts of up to 25 percent or more.

Finally, make sure you are getting all of the discounts that you are qualified to receive. Insurers offer dozens of discounts so ask your agent if you are receiving every discount available.

Factors to Consider in Dallas

Crime rates are always something to consider when choosing a city or neighborhood to live in. Dallas actually ranks pretty well for such a large city. In Texas, the Dallas Metroplex area ranks #17 in crime rankings according to FBI data, with a fairly high robbery rate but a low murder rate.

Weather is another factor that can push up homeowners insurance rates and Dallas is no stranger to severe weather. Tornadoes, hail, and flooding happen on pretty regular basis in Dallas. Depending on where you settle down, you may need a flood insurance policy in addition to your homeowners coverage. Ask your agent if flood insurance is required on any properties that you are seriously considering as it can be a significant cost.

Let us help you find the perfect insurance policy for your new Dallas home. Simply fill out our online quoting application and let us compare up to 12 Dallas home insurance rates for you. It's easy to review and compare and the process is free.

Compare Homeowners Insurance Rates in Dallas, TX!

Get up to 12 competitive Dallas, TX homeowners insurance rates all in one place!

About Our Service in Texas

We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!

Average Rates Nearby Dallas

Are you looking for homeowners insurance in a city near Dallas? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Dallas, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Dallas.

75201, 75202, 75203, 75204, 75205, 75206, 75207, 75208, 75209, 75210, 75211, 75212, 75214, 75215, 75216, 75217, 75218, 75219, 75220, 75223, 75224, 75225, 75226, 75227, 75228, 75229, 75230, 75231, 75232, 75233, 75234, 75235, 75236, 75237, 75238, 75240, 75241, 75243, 75244, 75246, 75247, 75248, 75249, 75251, 75252, 75253, 75254, 75287,

Dallas, TX Home Insurance Average Premiums

Local Dallas, TX home insurance quotes comparison

$1242 /yr.

Shows Dallas's lowest average rates with discounts applied.

For the city of Dallas, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$1242 /yr.
Average Coverage:	$1492 /yr.
2600 sq. ft. or higher (all discounts applied)	$1792 /yr.

What is the average home insurance cost for a home in Dallas, TX?

• The average homeowners insurance premium paid annually for a home in Dallas is around $1492 per year.

What does it cost on average per month for home insurance in Dallas, TX?

• Homeowners in Dallas pay an average cost per month around $124.00 for insurance coverage.

Dallas, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$311,798	$284,972
February	$310,599	$291,947
March	$310,388	$299,682
April	$309,929	$306,433

Homeowners insurance will help cover the cost to repair or replace your Dallas home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Dallas
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Dallas, TX homeowners insurance rates all in one place!

Saving Money Tips on Dallas Home Insurance

A great way to save money on Dallas homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Dallas area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
522 ft.	This is the average home elevation in Dallas, TX	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Texas flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Dallas, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Dallas County.

Texas Homeowners Insurance News & Information

Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024
Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]
Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024
While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]
Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]
2024 Average Homeowners Insurance Rate at $2,777 per year Posted on Tuesday 20th February, 2024
A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]
9% Predicted Jump in Home Insurance Rates in 2023 Posted on Tuesday 25th April, 2023
According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

Dallas, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Dallas so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Dallas, TX?

- The average square footage in Dallas is around 2,486 Sq. Ft. which would cost you around $320,684 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $320,684

Location: Dallas, Texas (Dallas County)

Average Building Cost Per Square Foot in Dallas: $129 (low end)

Average Square Footage in Dallas: 2,486 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$320,684
Some Additional Upgrades	$161	$400,855
Major Home Updates or Advancements	$194	$481,026

Calculate Your Dallas, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in Dallas, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.