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Comparison Shop Dallas Home Insurance from 35+ Carriers in Seconds

 
Dallas, Texas, is known for many things, such as the Texas State Fair, the Dallas Cowboys football team (and their cheerleaders), the home of numerous telecommunications hubs, the Ewing family of the 1970 sitcom of the same name, and so much more! Dallas is also home to very unpredictable and often severe weather; each year, the city of Dallas faces several natural disasters such as drought, earthquakes, floods, tornadoes, freezes, tropical storms, and violent windstorms spun up from severe thunderstorms. With so many known risks, the 1.3 million people who also call the city home must be diligent in protecting their homes with sufficient Dallas home insurance coverage.
 

How Much Does Dallas Home Insurance Cost?

 
The average homeowners insurance policy in Dallas, Texas, costs an average of $1,667 per year. This average is based on policies with an average home value of $311,418, $300,000 liability coverage, a 1% AOP deductible, and includes windstorm and hail coverage written with a 2% deductible. Our agents know that every homeowner’s needs are different, and that’s why we work with you to build the right policy with customized coverage options at the best rates on the market. On average, we have saved our customers throughout Texas $870 a year when they switch to us. Seeing how much you could be saving is quick and free- enter your address above for your instant quote!
 

Comparing Dallas Home Insurance Quotes by Dwelling Coverage Limits

 
One of the biggest mistakes a homeowner can make is not carrying enough dwelling coverage on their home insurance policy. Dwelling coverage refers to the amount it would cost to completely rebuild your home from the ground up to its current value. The dwelling coverage level you select is one of the most significant factors insurance carriers use when determining your home insurance premium. So, for example, if you choose $100,000-$200,000 in dwelling coverage, your home insurance policy in Dallas will cost an average of $1,177. However, if you needed $400,000-$500,000 in dwelling coverage, your home insurance premium would then increase to an average of $2,149. The more dwelling coverage you want, the higher the home insurance premium.

Dwelling Coverage LimitAverage Annual Premium
$100,000 - $200,000$1,176.68
$200,000 - $300,000$1,392.22
$300,000 - $400,000$1,806.88
$400,000 - $500,000$2,148.78
$500,000 - $600,000$2,485.97
$600,000 - $700,000$2,718.96
$700,000 - $800,000$3,630.62
$800,000 - $900,000$4,039.58
$900,000 - $1,000,000$4,408.61
> $1,000,000$4,549.10

Remember that dwelling coverage limits are not the only factor influencing your premium! Other factors insurers often consider include:

  • Location
  • Age of home
  • Credit history
  • Claims history
  • Marital status
  • Breeds of pets
  • Attractive nuisances (swimming pools, trampolines, swing sets, etc.)
  • And more! 

 

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), clothing, etc. You will also receive financial assistance should your home become unlivable or if someone is injured while on your property.
 

Cheapest Home Insurance Companies in Dallas

 
Choosing your home insurance provider is about more than just price, but the cost is undoubtedly an essential factor. Because each carrier sets its own rates, based on its own analysis, often times the same coverage will vary in price among carriers.

Below is a comparison of Dallas homeowners insurance rates for our cheapest home insurance carriers using the following coverage limits:

  • $300,000 dwelling coverage
  • $300,000 liability coverage 
  • 1% AOP deductible

bar chart comparison of cheapest dallas home insurance companies

While these carriers have been the cheapest for the most customers, they are only six of the companies we represent. Home insurance rates differ considerably due to several constituents, based on you, your home, and your location, among many other things. Which carrier is able to provide you with the cheapest rate is completely dependent on what you need. Below are some examples of where the cheapest carrier has changed from the above order:

 

  • If you own a larger home, ASI typically has the most competitive rates for 5,000 square feet or larger homes.  
  • Owners of homes newer than five years have found Anchor Insurance the most competitive carrier. 

 

The only way to find the cheapest home insurance rate in Dallas that provides you with the coverage you need is to comparison shop. By comparison shopping your policy, you can see what the market has to offer and select the policy that works best for your coverage needs and budget. Don’t have time to spend shopping for insurance? Let us do it for you! As a carrier-agnostic insurance agency, we don’t work for one insurance company; we work for you! When you input your address, we will search our bank of trusted carriers and find you the best policy possible to fit your needs within seconds. 
 

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!

 

Disclaimer

Every home is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates.

Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.

Home Insurance Carriers in Dallas, TX

Allied Trust logo
Allstate logo
ARI logo
Berkshire Hathaway GUARD logo
Branch logo
Commonwealth logo
Encompass logo
Ethos logo
Foremost logo
Gainsco logo
Hallmark logo
Hippo logo
Homeowners of America logo
IAT Flood logo
Infinity a Kemper Company logo
Kemper Auto logo
Lighthouse logo
Mercury logo
MetLife logo
Mission Select logo
Nationwide logo
Neptune Flood logo
Progressive logo
Safeco logo
SageSure logo
State Auto logo
Swyfft logo
Travelers logo
UPC logo
USLI logo
Velocity logo
Wellington logo
Weston 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 04, 2022

18,733

Total
Customers

$7.0 B

Total Assets Covered Projected

18,500

Total Homes Insured

6,800

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