Best cheap homeowners insurance in Arlington

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Arlington homeowners, like the rest of Texas, have to deal with being in one of the most expensive states in the country for home insurance. While Arlington may see typically enjoyable weather year-round, the city is still susceptible to storms, particularly tornadoes.

The average cost of Arlington Texas home insurance is $2,405 per year for a policy with $250,000 of dwelling coverage. Generally speaking, home insurance in Texas is more costly than the national average of $1,477 a year. This is largely due to the number of perils the state is vulnerable to.

To help determine the best home insurance companies in Arlington, we compared 2021 rate data, coverage options, online tools, accessibility and discounts.

Best cheap home insurance companies Arlington

Bankrate narrowed down a list of insurance providers to determine the five best home insurance companies in Arlington. To do so, we considered the average policy cost, customer satisfaction ratings from J.D. Power & Associates and which providers offer options that are appealing to Arlington residents.

Home insurance company Average annual premium for $250K liability JD Power Score
USAA $1,414 889/1,000
Nationwide $1,622 808/1,000
State Farm $1,791 829/1,000
Allstate $2,113 829/1,000
Progressive $2,182 797/1,000

USAA

Regularly scoring high with customer satisfaction from third-party rating organizations like J.D. Power, USAA provides insurance to members only (military and their eligible immediate family). USAA offers all the basic types of coverage and ways to add on other coverage like flood insurance.

Learn more: USAA Insurance review

Nationwide

Nationwide is one of the best cheapest homeowners insurance options in Arlington with an average annual premium of $1,622. Nationwide offers a few additional benefits such as Better Roof Replacement, which upgrades the materials used when it is time to replace the roof.

Learn more: Nationwide Insurance review

State Farm

State Farm is a well-known insurance provider that offers several discounts to policyholders. The app and online tools make it easier for people to manage their policies from wherever they are.

Learn more: State Farm Insurance review

Allstate

Allstate has a great online presence which is crucial in today’s world. With a variety of tools and free resources online, numerous coverage options and a variety of ways to get discounts on your premium, Allstate is one of the best home insurance providers in Arlington.

Learn more: Allstate Insurance review

Progressive

Out of the five providers outlined here, Progressive is above the typical average for Arlington home insurance premium costs. However, Progressive is still one of the best options for insurance in Arlington. The basic coverage covers personal liability, loss of use and personal possessions.

Learn more: Progressive Insurance review

Arlington home insurance options

Home insurance in Arlington is not required by law, although a mortgage lender may require it. Many people opt for homeowners insurance because it helps protect you financially. With a 1 in 35 chance of being the victim of a property crime, there are more than enough reasons to have adequate coverage.

Annual insurance costs will likely always cost less than recovering from a disaster, natural or otherwise. Coverages people sometimes consider adding include:

  • Flood insurance: The City of Arlington participates in the National Flood Insurance Program (NFIP). You can contact your insurance agent or find a policy using FEMA’s Flood Insurance website.
  • Guaranteed replacement cost: With this coverage, policies will reimburse you for the replacement of property after deducting depreciation so you can replace it.
  • Wind and hail: Due to being located in Tornado Alley, Arlington homeowners sometimes decide to have wind and hail coverage. If windstorm damage is excluded from your policy, you may want to find extra coverage.
  • Personal property endorsement: If you own valuables beyond what is covered by the policy limits in that category, you can add extra endorsements for more financial protection.

Home insurance discounts in Arlington

The good thing about insurance is that there are may be discounts for things you would do anyway. Some of the possible ways to save on Arlington home insurance are:

  • New home discount: Insurance for a new-build home is typically less expensive than if your home is older.
  • Home safety discount: Safety equipment like carbon monoxide detectors or a security system may help earn you a discount.
  • Claims-free discount: Depending on the length of time since you last filed a claim, you may be eligible for a discount.
  • Bundling: If you have multiple types of insurance (auto, home, life, etc), you can potentially receive a discount if they’re all with one insurance company.

Frequently asked questions

What is the best home insurance company?

To find the best provider for you, consider what is most important to you, which companies offer the best rates and discounts and what coverage options best meet your needs.

How much does home insurance in Arlington cost?

The average cost of Arlington, Texas, home insurance is $2,405 per year for a home insurance policy with $250,000 in dwelling coverage.

How much home insurance do I need in Arlington?

Figuring out how much insurance you need in Arlington starts with calculating the replacement value of your home if it had to be rebuilt today. Add in the cost to replace your possessions and assets, including any valuables. Consult with your insurance agent or company to see how your special circumstances can be combined into a home policy that best suits your needs.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2021 Quadrant Information Services data.

Written by
Ashley Hubbard
Personal Finance Contributor
Ashley Hubbard has two years of experience in writing for insurance domains such as Bankrate.com, including auto and homeowners insurance. She has also worked in the industry as a collision estimator and in several auto body shops.
Edited by
Loans Editor