Euless, TX Homeowners Insurance

Euless is a suburb of Dallas with a population of 55,000 inhabitants. Euless is based in Tarrant County and is one of the safest places to live in Texas. Living in Euless gives people a dense suburban feel and most of the residents rent their houses. Euless has a homeownership rate of 43.4%, which is lower than the national average of 63.9%. There are a number of bars, coffee shops and parks in Euless. Mostly families and young adults live in Euless, and the population appears to have centrist political opinions. The price of homeowners’ insurance in Euless depends on a variety of factors, including the cost of the land, the condition of your property and the materials used to build the residence. The area of your house will also have an influence on how much you pay for homeowners insurance. Some areas are more vulnerable to risks, such as floods, hail, earthquakes and other dangers. This will make the insurance premium more expensive.

How Much Does Homeowners Insurance Cost in Euless?

Homeowners Insurance: Euless Rates Vs. State + National Averages

Euless Average (Annual) Texas Average United States Average
$1043 $3,468 $1,548

Euless Homeowners Insurance by Company

Euless homeowners insurance rates vary based on the insurance provider you choose. Texas Farmers offers the most affordable homeowners insurance in Euless at an average of $250 a year, lower than the city’s overall homeowner premium of $986.

Affordable Homeowners Insurance Companies in Euless

Company Average Annual Rate
Texas Farmers $250
ASI Lloyds 1,032
Safeco $1,034
United $1,045
Travelers $1,132

Euless Homeowners Insurance Prices by ZIP Code

Depending on which part of Euless you live in, you could see a difference in your home insurance’s price. Policies are priced on geographic factors, such as the number of claims made in the surrounding area. Area code 76039 has the cheapest home insurance rate in Euless, with an average price of $843 per year. The table below shows other ZIP codes with affordable homeowners insurance in Euless.

Number of Catastrophes in Texas and the US:

  • National number of catastrophes: 19,003
  • Number of catastrophes in Texas: 1,905
  • National number of tornadoes: 1,230
  • Number of tornadoes in Texas: 220
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Texas: $1,026,150,000
Euless sits on the southern side of Tornado Alley. Homes here face a higher-than-average risk of destruction caused by tornadoes and other windstorms. Since this area is heavily populated, there is a very high risk that a tornado that hits nearby will result in collateral damage. Homeowners insurance will provide coverage for your property from natural disasters such as fires and hurricanes. Check your coverage regularly to ensure that the thresholds and coverage amounts for multiple disasters are sufficient. A change in your house’s valuation, added high-value belongings that you have acquired, and natural disasters that have happened recently are good indicators that you need to have your coverage reviewed to ensure you are sufficiently insured.

Euless Homeowners Insurance Rates by Coverage Level

The level of homeowners coverage you prefer affects your insurance rates. Euless households with $200K in dwelling coverage pay an average of $1,317 per year, and those with up to $400K of dwelling coverage pay around $2,401 a year.

Homeowners Insurance Rates in Euless—Popular Coverage Limits

Coverage Level Average Annual Rate
$100K Dwelling $803
$200K Dwelling $1,649
$250K Dwelling $2,014
$400K Dwelling $2,557

What Does Euless Homeowners Insurance Cover?

Buying homeowners insurance doesn’t have to be complicated and frustrating. Here are some details on the type of insurance coverages available and what they are for:
  • Dwelling Coverage: This is your standard insurance policy covering losses and damages to your property’s physical structure.
  • Personal Property Coverage: You may want personal property coverage for your possessions, whether inside or outside your home.
  • Liability Protection: Liability protection covers you if you hurt someone or damage another person’s property.
  • Guest Medical Protection: This coverage is specifically to cover people who are injured on your property.

Euless Homeowners Insurance Rates by Deductible Amount

A homeowners insurance deductible is the amount the insured has to pay when filing for a claim. If you opt for a higher deductible amount, you will pay lower insurance premiums. However, make sure that you can afford the deductible you choose if you have to file for loss. Below are the typical deductibles provided by most home insurance providers and the average insurance rates.

Homeowners Insurance Costs by Deductible in Euless

Deductible Amount Average Annual Homeowners Insurance Rate
$500 $1,443
$1,000 $1,243
$1,500 $1,045
$2,000 $843
$5,000 $643

Best Homeowners Insurance Companies in Euless

Price is always a factor to consider when you’re shopping for homeowners insurance. The insurer’s financial stability is also a critical consideration because it demonstrates its potential to handle claims. Always review the J.D. Power Ranking, AM Best Financial Rating, and Better Business Bureau’s Rating for home insurance.
Company J.D. Power Ranking A.M. Best Rating BBB Rating
Allstate 5 out of 5 stars A+ (Superior) A+
Amica 5 out of 5 stars* A++ (Superior) B-
Liberty Mutual 3 out of 5 stars Not rated A
State Farm 3 out of 5 stars A++ (Superior) A++
Texas Farm Bureau Insurance 3 out of 5 stars A+ (Superior) A

Top Home Insurance Agents Near Euless, TX

Home Insurance Company Near Euless, TX Address
Texas Insurance Agency 113 W Harwood Rd, Euless, TX 76039, United States
Farmers Insurance – Linnie Hutchins 2390 Fuller Wiser Rd Ste 506, Euless, TX 76039, United States
Charles McGriff: Allstate Insurance 910 N Main St, Euless, TX 76039, United States
Rehkop Home Insurance Euless, TX 218 Martha St, Euless, TX 76040, United States
Nationwide Insurance: Jason Ridley Agency, LLC 418 N Main St Ste 111, Euless, TX 76039, United States

Bundle Homeowners and Auto Insurance in Euless, TX to Save Money

You might want to consider buying your homeowner and auto insurance plans from the same company if saving money is one of your priorities. Bundling policies in Euless can result in an annual savings of 7%.

Cheapest Auto Insurance Rates With Home Insurance Bundled in Euless

Company Avg. Annual Auto Insurance Rate (With Home Insurance Bundle)
State Farm $1,040
USAA $1,330
Progressive $1,800
Allstate $1,890
GEICO $2,320

Home Insurance Resources for Euless Residents

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Euless, TX Homeowners Insurance FAQs

Yes, you should consider getting an appraisal.  The valuation of precious metals and precious stones is continually changing. So even though the jewelry has been priced before, it’s still a smart thing to get it reassessed at its present market worth.

If, for example, your engagement ring was initially valued at $5000 six years ago, its worth may have risen since then. In the chance that your ring is lost or robbed, providing a recent assessment (including a clear explanation of the object being insured) can assist with the claim process.

Bear in mind that recent appraisals are usually needed for costly pieces of jewelry when you require additional coverage, such as Personal Articles Floater. Depending on the valuation of the item, you will be asked to give a comprehensive purchase receipt or assessment.

It is helpful to have a home inventory checklist. We would advise you keep it in a secure, and convenient location if you need to make a claim.

When your house becomes uninhabitable due to an insured loss, the insurance company will pay the extra cost of living, dining, etc. up to the applicable limit.

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