Best & Cheapest Homeowners Insurance in Irving, TX November, 2024

In our thorough review of home insurance options in Irving, Texas, Chubb emerges as the most cost-effective choice, with average yearly rates of $1,874. However, it’s important to note that the ideal insurer for you might differ based on your unique circumstances and requirements.

For example, if you have a low credit score, Universal North America offers the most budget-friendly option with an average annual premium of $3,672. Conversely, if your home is older, Chubb provides competitive rates of $1,970 per year, coupled with comprehensive coverage.

Similarly, for owners of newly built homes, Chubb once again offers the most economical solution at $1,342 per year. And for individuals with a history of claims, State Farm presents an understanding and affordable choice at $2,740 annually.

Additionally, if you possess valuable personal belongings that require protection, Chubb proves to be the top pick, providing extensive coverage at a reasonable cost of $2,029 per year.

At Insuranceopedia, our detailed assessment aims to steer you toward the perfect match for your home insurance needs. By comparing customer ratings, evaluating personal experiences, and presenting comparison charts, we furnish all the essential information to empower you to make a well-informed decision.

As shown below, insurance rates in Irving are higher than both the national average and the average rate for the state of Texas.

Understanding that insurance rates are not fixed and can fluctuate significantly based on several factors is essential.

Cheapest homeowners insurance in Irving, TX

Chubb is the most affordable choice overall for homeowners insurance in Irving, TX, with an average annual rate of $1,874.

The cost of your policy can be affected by different factors like where you live, the value of your home, and your history of claims. Chubb offers a balanced mix of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Irving If You Have an Older Home

Chubb provides the most cost-effective rates for those with older homes, averaging $1,970 per year.

Older homes often come with unique risks and maintenance requirements that can lead to higher insurance costs. Chubb provides competitive rates and comprehensive coverage tailored to meet the specific needs of older homes.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Chubb provides the most economical option, with an average annual rate of $1,342.

Newly constructed homes often demand different coverage compared to older ones, and Chubb stands out in offering affordable policies customized to address these specific requirements.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, Universal North America provides the most affordable solution, with an average annual rate of $3,672. 

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. Universal North America understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Home Insurance Rates for Lots of Personal Property

If you possess a considerable amount of personal property, Chubb provides the most affordable rates, averaging $2,029 per year.

The greater your personal property holdings, the higher your coverage requirements, which can lead to increased premiums. However, Chubb offers comprehensive coverage at reasonable rates, guaranteeing that all your belongings are adequately protected.

Cheapest Home Insurance In Irving for a History of Claims

Homeowners with a history of claims can find an affordable solution with State Farm, offering an average annual rate of $2,740.

A history of claims can often signal higher risk to insurers, resulting in elevated premiums. However, State Farm believes in offering second chances and provides reasonable rates for individuals with past claims.

Best Homeowners Insurance Companies in Irving, TX

Choosing the right homeowners insurance is not just important but a strategic decision. With Irving’s diverse homes and rich history, finding an insurance provider that offers comprehensive coverage at competitive rates is crucial.

To make your decision-making easier, we’ve compiled a list of the top homeowners insurance companies in Irving, TX. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below to find the perfect fit for your home insurance needs.

Average Home Insurance Rates by Zip Codes

Homeowners insurance costs in Irving, TX can fluctuate considerably depending on the zip code. Below are tables displaying rates for various zip codes in Irving, along with the cheapest and most expensive zip codes in the area for annual home insurance premiums.

Cheapest Zip Codes

Most Expensive Zip Codes

Average Home Insurance Rates in Irving, TX by Deductible Amount

The chosen deductible amount for a homeowners insurance policy greatly impacts the premium rates in Irving, TX. Here’s a breakdown of how the average home insurance rates fluctuate for different deductible amounts:

Average Home Insurance Rates in Irving, TX By Coverage Amount

A crucial factor influencing your premium is the dwelling coverage amount, which represents the maximum sum your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Below is a comparison chart outlining the average annual homeowners insurance premiums for various dwelling coverage amounts:

Average Home Insurance Rates in Irving, TX by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Irving:

How Much is Homeowners Insurance for Other Cities in Texas?

The following is a  detailed comparison chart that showcases the cheapest companies and their annual premiums across various cities in Texas.

Getting Online Homeowners Insurance Quotes in Texas

Platforms like Insuranceopedia simplify the process of finding the right coverage for your unique needs with just a few clicks. By providing instant online quotes from top-rated insurers, Insuranceopedia makes it effortless to compare rates.

All you need to do is enter your information, and Insuranceopedia will do the rest by presenting you with a range of options customized to your needs. This allows you to confidently choose a policy that offers the best value, striking a balance between cost and comprehensive coverage.