Mansfield, TX Homeowners Insurance

Mansfield is located in the Dallas Fort Worth Metroplex with a population of 70,000. It has plenty to offer, such as a charming downtown, great communities, arts and entertainment, parks, and proximity to the finest things Texas has to offer. The homeownership rate in Mansfield, TX is 76%, higher than the national average of 63.9%.

If you have a house or are planning to buy a home in Mansfield, don’t overlook getting homeowners insurance, which is a vital aspect of homeownership. Along with your possessions, homeowners insurance protects your house from multiple threats, including wind, arson, and vandalism.

The cost of insurance coverage for homeowners depends on many factors, including the home’s value, the value of your items, and the materials used to build the house. Your property location may also impact how much you pay, as Mansfield is prone to dangerous hazards. If your neighborhood is at risk of hail, strong winds, fire, or hurricane activity, your premiums could be higher than the average. 

How Much Does Homeowners Insurance Cost in Mansfield, TX?

Homeowners Insurance: Mansfield Rates Vs. State + National Averages

Mansfield Average (Annual)Texas AverageUnited States Average
$1,007$3,468$1,548

Mansfield, TX Homeowners Insurance Price by Insurance Company

The policy premiums for homeowners in Mansfield depend on the insurance provider. Texas Farmers, the most affordable home insurance company in Mansfield, provides an estimated premium rate of $240 per year. This is significantly cheaper than the city’s average homeowners insurance premium of $1,007.

Below are the cheapest homeowners insurance providers in Mansfield, Texas.

Cheapest Homeowners Insurance Companies in Mansfield, TX

CompanyAverage Annual Rate
Texas Farmers$240
ASI Lloyds$1,014
Safeco$1,028
State Farm$1,074
United$1,087

Mansfield, TX Homeowners Insurance Rates by Coverage Amount

The amount of home insurance coverage you want affects your insurance premiums. In Mansfield, carrying $100K of dwelling coverage will have homeowners insurance that costs an average of $649 per year, while carrying up to $400K of dwelling coverage costs $2,066 per year.

Homeowners Insurance Rates in Mansfield—Popular Coverage Limits

Coverage LevelAverage Annual Rate
$100,000 Dwelling$649
$200,000 Dwelling$1,107
$250,000 Dwelling$1,331
$400,000 Dwelling$2,066

Mansfield Homeowners Insurance Rates by ZIP Code

Homeowners insurance premiums are also calculated based on where you live in Mansfield. Premiums are calculated on geographic factors, such as the number of lawsuits made in the surrounding area and the natural disaster risks the district usually encounters.

If you’re searching for the cheapest homeowners insurance in Mansfield, check out the 76063 ZIP code, which has an average cost of $1,000 per year.

Cheapest Areas for Homeowners Insurance in Mansfield

ZIP CodeAverage Annual Home Insurance Rate
76063 (Mansfield)$1,000
76065 (Midlothian)$1,004
76084 (Venus)$1,018

Mansfield, TX Homeowners Insurance Cost by Deductible Amount

One of the decisions you need to make when purchasing a homeowners insurance policy is the deductible amount. A homeowners insurance deductible is the sum you have to spend out-of-pocket as your participation fee when claiming a loss. Choosing the deductible amount impacts how much your homeowners insurance premium will be.

When you consider your deductible, the rule of thumb is that the lower the deductible amount, the higher the premium. As such, if you want cheaper insurance premiums, you can choose a higher deductible. However, note that the deductible amount should be something you can afford in case of an insured loss.

Below are some of the typical deductible amounts provided by most home insurance companies in Mansfield and corresponding average premium rates.

Homeowners Insurance Premiums by Deductible Amount in Mansfield

Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,275
$1,000$1,071
$1,500$976
$2,000$830
$5,000$469

Want to Save on Homeowners Insurance Premiums in Mansfield? Try Bundling

One way to save on insurance premiums is to bundle your homeowners insurance and auto insurance coverage within the same provider. Bundling policies in Mansfield contribute to an average annual savings of 8%.

Cheapest Home Insurance and Auto Insurance Bundle in Mansfield

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,020
USAA$1,060
Progressive$1,164
Allstate$1,190
GEICO$1,682

Mansfield, TX Homeowners Insurance Coverage Options

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.

Mansfield, TX Best Home Insurance Companies

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 AM Best Financial Rating, the Better Business Bureau Rating, and J.D. Power Ranking for home insurance.

CompanyA.M. Best RatingBBB RatingJ.D. Power Ranking
AllstateA+ (Superior)A+5 out of 5 stars
AmicaA++ (Superior)B-5 out of 5 stars*
Liberty MutualNot ratedA3 out of 5 stars
State FarmA++ (Superior)A++3 out of 5 stars
Texas Farm Bureau InsuranceA+ (Superior)A3 out of 5 stars

Top Home Insurance Agents Near Mansfield, TX

Home Insurance Company Near Mansfield, TXAddress
KNH Insurance Services1701 U.S. 287 Frontage Rd #105, Mansfield, TX 76063
Farmers Insurance: Todd Mclain1000 N Walnut Creek Dr #140, Mansfield, TX 76063
Nationwide Insurance: Paula L Ratliff Agency Inc751 U.S. 287 Frontage Rd #105, Mansfield, TX 76063
Adam Rope – State Farm Insurance Agent951 Matlock Rd, Mansfield, TX 76063
Brian Certain: Allstate Insurance99 Regency Pkwy Ste 309, Mansfield, TX 76063

Mansfield, TX Homeowners Insurance Resources for Residents

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Mansfield, TX Homeowners Insurance FAQs

Maybe. For instance, if you tell the home insurer that your roof is in reasonable condition, your premium will be dependent on the known likelihood of storm damage on the typical roof. But if, in fact, the guttering is either collapsing or your tiles are loose, then there will be more than normal loss during a storm—something that your insurance did not cover for your initial premium.

You need to inform the insurer of any improvements to your home or material that can affect your policy. Note that your contract with your insurer is focused on the mutual disclosure of information–you are paid a fair premium based on the risks you’ve made them aware of. If these risks change, the valuation of the fair premium will also change.

The fundamental rule for your deductible is to make sure you know what you can afford to pay if you have to make a claim. The higher you agree to pay for a claim, the lower the rate of your premium.

Beware, however, that setting an excessively high deductible may save you a few dollars on your premium in the short term, but if you do need to file a claim, you may find yourself paying a hefty bill before your insurance pays.

Many home insurance policies do not cover regular pet damage.

As the owner, the landlord is responsible for keeping your rental home in good condition, but it is up to them to ensure that their property is covered by home insurance. Yet you’re responsible for the content you own on the inside. If an event had anything to do with your belongings, you would be responsible for the cost of restoring them if you had no content insurance.

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