Garland, TX Homeowners Insurance Rate Quotes!

Did you know that Garland homeowners are discovering how easy it is to get multiple rates online with GetHomeInsuranceQuotes.com? Our service provides a quoting application that quickly helps you enter the home details and information needed for us to generate up to 12 competitive home insurance rates. We understand that you don't have a lot of time to shop every insurance agency available that offers the best rates and coverages in Texas. This is why our top-notch quoting services conveniently compare rates, coverages and discount options. We already know which home insurance companies are most competitive in your area and we are here to help you pick the best one based on price and coverage.

Since 1986, our TX agency strived to put the needs of the customer first allowing homeowners like yourself living in Garland to quickly get the home insurance policy you need. Maybe you are shopping today because of unexpected rate increases in the Garland area or maybe you are moving into a new home.

For fast home insurance rates for your home in Garland, TX, please enter your zip code. The process only takes a few minutes to complete. Get home insurance quotes today or give us a call now at 1-866-502-7287!

Garland, TX Market Data

Source	Value
Location:	Garland, TX (DALLAS County)
Population:	226,876
Occupied Residents:	75,703
Average Real Estate Value Per Zip Code:	$159,520

Average Home Insurance Rates in Garland

Below are some helpful resources about Garland home insurance prices.

What do homeowners in Garland pay for home insurance on average? As low as $1,234.00 up to $1,784.00 per year on average.
What can I expect to pay per month for home insurance in Garland? About $124.00 per month
What do most homeowners pay on average? Currently, the national average is around $1,311.00 per year.

The average home insurance rates in Garland, TX are based on state "averages" which only includes an HO-3 home insurance package policies for homes that are currently occupied. Our quoting service is offered online or over the phone, we can help you find cheaper rates by comparing companies, coverage options and discounts.

Learn More About Home Insurance in Your Area

If you are a homeowner and you are looking to update your policy because of price, company or coverage, it's important to learn more about home insurance so you can get the best policy for you.

Free Home Replacement Cost Value Calculator
What does a replacement cost coverage and actual cash value mean for my home?
This home insurance calculator will calculate your dwelling coverage for your home in Garland, TX so you know what type of home insurance coverage you need to cover your replacement cost.
What are the homeowners insurance discounts available to homeowners living in Texas?
Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Garland, TX!

Get up to 12 competitive Garland, 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 Garland

Are you looking for homeowners insurance in a city near Garland? 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 Garland, TX

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

75040, 75041, 75042, 75043, 75044,

Garland, TX Home Insurance Average Premiums

Local Garland, TX home insurance quotes comparison

$1234 /yr.

Shows Garland's lowest average rates with discounts applied.

For the city of Garland, 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)	$1234 /yr.
Average Coverage:	$1484 /yr.
2600 sq. ft. or higher (all discounts applied)	$1784 /yr.

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

• The average homeowners insurance premium paid annually for a home in Garland is around $1484 per year.

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

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

Garland, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$300,188	$273,867
February	$298,932	$281,033
March	$298,486	$288,752
April	$298,529	$294,966

Homeowners insurance will help cover the cost to repair or replace your Garland 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 Garland
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 Garland, TX homeowners insurance rates all in one place!

Saving Money Tips on Garland Home Insurance

A great way to save money on Garland 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 Garland 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
542 ft.	This is the average home elevation in Garland, 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 Garland, 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

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 […]
Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022
Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]
Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022
Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report, homeowners […]
Wind & Hail Home Insurance Coverage Guide Posted on Monday 13th September, 2021
Home in Panama City, Florida suffers from wind and hail damage in 2018. This damaged house is from hurricane Michael. Hailstorms can do a tremendous amount of damage to your house and roof in very short amount of time and if you are not properly insured you could end up having to cover the cost […]

Garland, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Garland 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 Garland, TX?

- The average square footage in Garland is around 1,237 Sq. Ft. which would cost you around $159,520 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $159,520

Location: Garland, Texas (Dallas County)

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

Average Square Footage in Garland: 1,237 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$159,520
Some Additional Upgrades	$161	$199,400
Major Home Updates or Advancements	$194	$239,280

Calculate Your Garland, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in Garland, 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.