Save on Home Insurance in
Dallas, TX

Instant Home Insurance Quote

All We Need is Your Address

See What Our Customers Have to Say

Trustpilot Reviews Google Reviews

Excellent

trust star

Based on 1,391 reviews

Showing our 4 & 5 star reviews

Comparison Shop Dallas Home Insurance from 35+ Carriers in Seconds

As an independent insurance agency, we’re carrier-agnostic. We don’t work for one insurance provider, we work for you! When you input your address, we’ll instantly shop our bank of 35+ top carriers to find you the best policy at an exceptional rate. 

How Much Does Dallas Homeowners Insurance Cost?

Your Dallas, TX homeowners insurance rates are determined by your home’s characteristics. No two homes will have the same rate, because every home (and homeowner) is different. The two biggest contributing factors to your home insurance rate are how much coverage you want and your home’s value. Let’s take a look at how much you can expect to pay based on what your home’s value is:  

Average Home ValueTexas Department of Insurance Home AveragesTGS Home Insurance Averages
$100k-$200k$2,107 $922
$200k-$300k$2,458 $1,216
$300-$400k$3,526 $1,598

Source: Help Insure from the Texas Department of Insurance. We applied a methodology of a homeowner with average credit, a home between 10-34 years of age, made of brick in Dallas, TX with windstorm coverage.

It’s always a great idea to compare how much you’re paying for home insurance against the averages. If you’re paying substantially less, then you might be underinsured. If you’re paying too much, you may be overinsured or just simply overpaying!

What Does Dallas Home Insurance Cover? 

Dallas homeowners insurance gives you peace-of-mind and financial protection from weather-related and catastrophic events for your home and your possessions. Your home insurance policy typically covers your home, detached structures, and personal belongings including furniture, electronics, jewelry (to a specified limit), and clothing, etc. You will also receive financial assistance should your home become unlivable or if someone is injured while on your property.

Most Common Home Insurance Claims Filed in Dallas, TX

It’s important to understand how much coverage you have so you can avoid paying out of pocket for damages. The three most frequently filed claims in Dallas, TX are: 

  1. Wind and hail damage
  2. Water and freezing damage 
  3. Theft and burglary 

 

Most Common Home Insurance Claims Filed in Dallas, TX Based on Amount and Coverage Needed

RankType of ClaimAverage Claim Amount (National Averages)Type of Coverage Needed for ProtectionAverage Yearly Cost in TexasTGS Insurance Yearly Cost
1Wind & Hail Damage$11,200**Wind/Hail Insurance$1,700 (Will vary depending on how much coverage you want.)We automatically writ-in a 2% deductible into every policy we write so coverage cost will vary, but is usually $634.
2Water & Freezing Damage$10,849**Basic home insurance policyWill vary depending on policy premium.Will vary depending on policy premium.
3Theft & Burglary$4,391 Scheduled personal property insurance can be used for specific items.Scheduled personal property: $100 for every $10,000 insured.Varies depending on what each individual wants to insure

Sources: * TWIA, ** Insurance Information Institute

 

Wind and Hail Damage

It is no surprise that the most common insurance claim filed in Texas is wind and hail damage. Texas, after all, is the most hail-damaged state in the country. Furthermore, the DFW area is commonly called “Hail Alley.” Because hail and wind are common perils in the Dallas area, it’s important to have the right wind and hail protection on your home insurance policy. Hail and wind insurance will protect your home and personal possessions from wind events such as hail storms, tornadoes, tropical storms, and hurricanes. 

Because of Dallas’s proximity to Tornado Alley, the obvious peril for everyone in the area is hail damage. 192,988 Texas homeowners were affected by hail damage in 2019. In Dallas, TX, the city experiences about two to three severe hail storms a year with one of the most damaging years in 2012 when Dallas had 26 reports of hail. The average hail and wind claim in the U.S. is $11,200 but that amount can vary depending on the severity of what needs to be repaired or replaced. 

Hail storms can be unpredictable, which gives homeowners no time to take precautions to protect their homes and leave them with serious roof damage, broken glass, and other costly problems. As a Dallas, TX resident, you need the right wind and hail coverage because without it you could be left paying for those costly repairs out of pocket if the damage exceeds your policy limits. Keep in mind, according to HomeAdvisor the average project cost to repair hail, wind, and storm-related damage can range anywhere between $2,357 to $14,821, sometimes even more if your roof needs to be replaced- which starts at about $4,500 up to almost $30,000. Another thing to consider is if your area is hit hard with a major storm and many homes in the area experience wind and hail damage, construction costs rise because of the high demand for work. Your insurance carrier will not provide more money to help pay for those rising costs, therefore that would be on you as the homeowner to cover. 

At TGS Insurance we automatically write in a 2% hail/windstorm deductible into every policy we write because we want our clients to have the best protection without overpaying for coverage. Your deductible can be easily customized to fit your budget and coverage needs! Based on the average home value in Dallas, TX of $340,000 and a 2% wind/hail deductible, that would be an average cost of $6,800 per year. For a 1% deductible, it would be $3,400 per year. 

Water and Freezing Damage

Water damage due to plumbing issues or frozen pipes is the second most filed claim in the Dallas, TX area and the third most filed claim in the U.S., with about 1 in 50 U.S. homes filing a claim every year. The average Texas claim for water damage is about $5,900 with the U.S. average at about $10,849 per claim according to the Insurance Information Institute

Water damage is usually covered under your standard home insurance policy if deemed sudden or accidental. So for example, if a frozen pipe were to burst after taking the proper precautions to protect your pipes during a freeze, you’d be covered. However, let’s say you’ve had a leaky sink for months that caused damage that would be considered negligence therefore would not be covered under home insurance. It’s worth noting that if you don’t have enough coverage in your home insurance policy to cover your home or personal possessions and you suffer a water damage event, you’d be held financially responsible for any damages or repairs outside of what insurance provides. 

If your home took on water damage that occurred because of a backed-up sewer or drain, or a flood, you would not be covered under your standard home insurance policy. For water backup protection, you’ll need a home insurance policy add-on that’s known as water backup coverage. It’s about $50-$250 per year depending on how much coverage you want, with protection starting at $5,000. At TGS Insurance, we offer this policy add-on for an average of $25 per year. For flood protection, homeowners will need to purchase a flood insurance policy. The average flood insurance policy in Texas is about $634 per year according to FEMA, but TGS Insurance customers pay an average of $528! 

Though water damage and freezing pipes are common issues in Dallas, TX, homeowners aren’t left completely out to dry! You can always financially protect your home with the right home insurance policy and policy endorsements. 

Theft and Burglary

In 2019, Dallas, TX experienced 9,210 burglaries and 25,012 theft-related crimes. Burglaries and theft though unfortunately common in the Dallas, TX area are a complete invasion of privacy and sometimes your most valuable and sentimental items are never seen again. While some items can’t be replaced, your home insurance can help victims of burglary and theft by providing financial compensation to buy what was stolen. 

The standard homeowners insurance policy covers theft of personal belongings inside and outside your home, so if you are staying at a hotel and your items get stolen, homeowners insurance will cover the stolen times. If your home is vandalized during a break-in, your policy will help cover the repairs. Your personal property coverage ranges anywhere between 20% to 50% of your total coverage limits. So if your homeowners insurance covers your home’s structure for $500,000 and your personal property coverage is 30% you would have $150,000 in financial protection for your personal property. Keep in mind though, your home insurance policy will have coverage limits for your personal possessions. So for example, your carrier may only offer up to $5,000 in financial protection for your stolen jewelry. 

Because your home insurance policy only covers stolen items to a certain limit, Dallas, TX homeowners might want to consider adding scheduled personal property to their policy for high-value items such as artwork, jewelry, instruments, or rare collectibles. Scheduled personal property is coverage specific for your high-value items, with certain policy limits. The cost of scheduled personal property coverage will vary depending on what you’re wanting to insure but expect about $100 for every $10,000 you’re wanting to insure. 

Because the average theft/burglary claim in Dallas, TX is about $4,391, we highly recommend reviewing your home insurance policy to make sure your personal property limits cover your valuables or look into purchasing scheduled personal property if needed! 

TGS Insurance Agency Protects Dallas, TX Homeowners 

It’s important for Dallas, TX homeowners to have the proper home insurance because it’s your most valuable weapon against common perils in your area. Reviewing your home insurance policy for the right coverages will help you stay knowledgeable regarding what protection you do and don’t have, and know what gaps you may need to fill. 

At TGS Insurance, we want to help Dallas, TX homeowners feel at ease knowing their home insurance policy has the right amount of coverage for their needs at a super low rate. We don’t believe good coverage should cost a lot, which is why we shop your home insurance policy across our suite of 35+ A-rated (or better) carriers to find you a policy that’s perfectly balanced with the protection you need for your Dallas, TX home at a great price. We take into account your area’s most commonly filed claims and craft your policy to offer protection for each. We don’t just stop there, we’ll handle the entire enrollment process from start to finish and even shop your rate every year to ensure you’re always paying the lowest amount possible. 

Zip Codes in Dallas, TX We Cover:

752017522275242752677533675374
752027522375243752707533975376
752037522475244752757534275378
752047522575245752777534675379
752057522675246752837535075380
752067522775247752847535375381
752077522875248752857535475382
752087522975249752867535575386
752097523075250752877535675387
752107523175251752947535775388
752117523275252752957535975389
752127523375253753017536075390
752147523475258753037536375391
752157523575260753107536475392
752167523675261753127536775393
752177523775262753137536875394
752187523875263753157537075395
752197523975264753207537175396
752207524075265753237537275397
752217524175266753267537375398

Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!

 


Katherine Rosario | LinkedIn

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance Agency for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.

Home Insurance Carriers in Dallas, TX

Allstate Logo
Progressive Logo
Safeco Logo
Travelers Logo
AIG Logo
Metlife Logo
Allied Trust Logo
Maison Logo
Lighthouse Logo
Anchor Logo
 State Auto Logo
ASI Logo
The Hartford Logo
Foremost Logo
Empower Logo
TWIA Logo
National Lloyds's Logo
Liberty Specialty Logo

TGS Insurance is Dallas' Premier Home Insurance Provider

Dallas neighborhood

Dallas, Texas is the ninth largest city in the nation. The city’s contemporary and sophistication appeals to indivduals from all over the world. Anywhere from Deep Ellum to Trinity Groves and further, there is something for everyone to experience! TGS Insurance is proud to be one of the leading home insurance providers in Dallas.

Dallas neighborhood

At TGS Insurance, it’s our goal to provide Dallas homeowners with the best home insurance policy at a great rate from one of our 35 A-rated or better carriers. We win business from Dallas residents every day because we’re a five-star rated agency with thousands of customers and provide an exceptional customer service experience!

Key Home Statistics in Dallas

1,343,573

Total Population in Dallas, TX

$254,439

Average Home Value in Dallas, TX

$52,580

Median Household Income in Dallas, TX

32

Median Age in Dallas, TX

Trust TGS Insurance in Dallas

Data as of October 23, 2021

15,000

Total
Customers

$4.27B

Total Assets Covered Projected

13,700

Total Homes Insured

5,200

Total Vehicles Insured

Major Neighborhoods in Dallas, TX

Image of Lake Highlands Neighborhood

Lake Highlands

Lake Highlands is located northeast of the heart of Dallas. The community features Royal Oaks Country Club, White Rock Lake, and an abundance of parks.

Image of Oak Lawn Neighborhood

Oak Lawn

Oak Lawn is nestled between Highway 75 and Dallas North Tollway. This area includes Turtle Creek Park, House of Blues, and a range of restaurants and retail shopping.

Image of Oak Cliff Neighborhood

Oak Cliff

Oak Cliff is located southwest of Dallas. This part of town includes Dallas National Golf Club, Oak Cliff Nature Preserve, and the Dallas Zoo.

Image of University Park  Neighborhood

University Park

University Park is located north of Dallas. The community is home to Southern Methodist University as well as a variety of museums, parks, and churches.

Image of South Dallas Neighborhood

South Dallas

South Dallas is located off I-30, where anyone can find something to do. The area includes the Cotton Bowl Stadium, Dos Equis Pavilion, and Keeton Golf Course.

Image of Historic District  Neighborhood

Historic District

The Historic District is located in the heart of Dallas. The community includes the Dallas World Aquarium, Majestic Theater, and Dallas Farmers Market.

Local Home Resources in Dallas, TX

Fire Departments
City of Cockrell Hill Fire Department4125 W Clarendon Dr
Dallas, TX 75211
(214) 339-4141
Dallas County - Fire Marshal10056 Marsh Ln
Dallas, TX 75229
(214) 904-3010
Farmers Branch City - Fire Administration13210 Goodland St
Dallas, TX 75234
(972) 919-2640
Police Departments
Cockrell Hill Police Dept4125 W Clarendon Dr
Dallas, TX 75211
2143394141
County of Dallas Sherrif Department133 N Industrial Blvd
Dallas, TX 75207
2146533450
County Sheriff-Patrol Section1512 E Langdon Rd
Dallas, TX 75398
9722256118
County Sheriff-work Release899 N Stemmons Fwy
Dallas, TX 75398
2146538500
Dallas Cnty Sheriff-livestock1512 E Langdon Rd
Dallas, TX 75398
9722258174
Dallas Cnty Sheriff-personnel521 N Industrial Blvd
Dallas, TX 75398
2147411094
Dallas Cnty Sheriff-personnel521 N Riverfront Blvd
Dallas, TX 75207
2147411094
Dallas County Sheriff's Dept133 N Industrial Blvd # C18
Dallas, TX 75398
2147498641
DALLAS COUNTY SHERIFF'S DEPT133 N RIVERFRONT BLVD # 31
DALLAS, TX 75398
2147498641
Dallas County Sheriff's Dept133 N Riverfront Blvd # 31
Dallas, TX 75207
2147498641
Dallas Police & Fire Pe...1500 Marilla St
Dallas, TX 75201-6318
214-638-3863
Dallas Police & Fire Pe...4100 Harry Hines Blvd
Dallas, TX 75219-3207
214-638-3863
Dallas Police & Fire Pe...4100 Harry Hines Blvd Ste 100
Dallas, TX 75219-3207
214-638-3863
Dallas Police & Fire Pe...2301 N Akard St Ste 200
Dallas, TX 75201-1754
214-638-3863
Dallas Police & Fire Pension2301 N Akard St # 200
Dallas, TX 75398
2146383863
DALLAS POLICE & FIRE PENSION2301 N AKARD ST 200
Dallas, TX 75398
2146383863
DALLAS POLICE & FIRE PENSION4100 HARRY HINES BLVD
DALLAS, TX 75398
2146383863
Dallas Police Chief1400 S Lamar St
Dallas, TX 75215
2146713900
Dallas Police Dept6500 Bexar St
Dallas, TX 75215
2146700249
Dallas Police Dept334 S Hall St
Dallas, TX 75226
2146704413
Dallas Police Dept9915 E Northwest Hwy
Dallas, TX 75238
2146704416
Dallas Police Dept2020 N Lamar St # 300
Dallas, TX 75202
2146705840
Dallas Police Dept2331 W Northwest Hwy
Dallas, TX 75398
2146706166
Dallas Police Dept9811 Harry Hines Blvd
Dallas, TX 75398
2146706178
Dallas Police Dept5310 Red Bird Center Dr
Dallas, TX 75237
2146707448
Dallas Police Dept4230 W Illinois Ave
Dallas, TX 75211
2146707470
Dallas Police Dept725 N Jim Miller Rd # A
Dallas, TX 75398
2146708346
Dallas Police Dept725 N Jim Miller Rd
Dallas, TX 75217
2146708346
Dallas Police Dept1400 S Lamar St
Dallas, TX 75215
2146713011
Dallas Police-investigation334 S Hall St
Dallas, TX 75226
2146704414
Dallas Police-Investigative6969 Mccallum Blvd
Dallas, TX 75398
2146707236
Dallas Police-investigative6969 Mccallum Blvd # B
Dallas, TX 75252
2146707236
HIGHLAND PARK POLICE DEPT4700 DREXEL DR
DALLAS, TX 75398
2145215000
Highland Park Police Dept4700 Drexel Dr
Dallas, TX 75205
2145215000
Police Dept-property Unit1725 Baylor St
Dallas, TX 75226
2146708333
Police Dept-Training Div5310 Red Bird Center Dr
Dallas, TX 75398
2146707448
Police- Nrthast Operations Div9915 E Northwest Hwy
Dallas, TX 75238
2146704415
University Park City Police3800 University Blvd
Dallas, TX 75398
2143633000