Mesquite, TX Homeowners Insurance

The town of Mesquite has come a long way from its humble origins as a farming village in the 19th century. It is now a developed suburb of Dallas and the 18th largest city in the state, with a population of over 144,000. The homeownership rate in Mesquite, TX is 57.8%, lower than the national average of 64%. About 48,000 households are located here, all of which have different insurance requirements and risks.

Your insurance premiums are calculated based on several specific considerations. This could include your house’s location, condition, building techniques, and the previous claims you have made. Also, the insurance provider can take into account the risks in the region where your property is.

If you’re searching for affordable homeowners insurance in Mesquite, start looking around and evaluating various plans. Take a look at the overview below, analyzing average homeowners insurance premiums in Mesquite to help you get as much detail as you can before you start shopping for homeowners insurance. Remember that homeowners insurance premiums can differ depending on the policy limitations and other factors.

How Much Does Home Insurance Cost in Mesquite?

Homeowners Insurance: Mesquite Rates Vs. State + National Averages

Mesquite Average (Annual)Texas AverageUnited States Average
$1,180$3,468$1,548

Mesquite Home Insurance by Company

Mesquite homeowners insurance premiums can differ based on the insurance provider you select. The cheapest home insurance in Mesquite comes from Texas Farmers, which offers an average premium rate of $350 a year. This is more favorable than the city’s overall homeowner premium of $1,180.

To get started with your homeowners insurance shopping, check out this rundown of the cheapest providers in Mesquite, Texas.

Affordable Homeowners Insurers in Mesquite

CompanyAverage Annual Rate
Texas Farmers$350
United$680
ASI Lloyds$825
Allstate$1,510
USAA$4,010

Mesquite Home Insurance Rates by Coverage

Your chosen homeowners coverage affects the insurance premiums you pay. Homeowners in Mesquite who carry $200K in dwelling coverage pay an average of $1,723 per year, while those with coverage up to $400K pay around $3,326 per year.

Homeowners Insurance Rates in Mesquite—Popular Coverage Limits

Coverage LevelAverage Annual Rate
$100K Dwelling$872
$200K Dwelling$1,723
$250K Dwelling$2,072
$400K Dwelling$3,326

Mesquite Home Insurance Rates by ZIP Code

Depending on where you live in Mesquite, you can have different rates of homeowners insurance. Policies are priced on geographic factors, such as the number of lawsuits made in the surrounding area and the frequency of natural disasters.

Towne Crossing, with the 75150 ZIP code, has homeowners policies that typically cost just $1,004 per year. Find the best places in Mesquite with cheap home insurance on the table below.

Affordable Neighborhoods for Homeowners Insurance in Mesquite

ZIP CodeAverage Annual Home Insurance Rate
75150 (Towne Crossing)$1,004
75181 (Lawson)$1,014
75180 (Balch Springs)$1,018

Some areas in Mesquite, though, have higher average home insurance rates. Crime rates, fire hazards, and even how close you are to emergency responders could cause insurance providers to see those areas as higher risk, increasing policy rates. The estimated annual cost of $1,042 makes 75217 (Pleasant Grove) the most expensive ZIP code for homeowners in Mesquite.

Expensive Neighborhoods for Homeowners Insurance in Mesquite

ZIP CodeAverage Annual Home Insurance Rate
75217 (Pleasant Grove)$1,042
75149 (Samuell Farm)$1,036
75228 (Casa View)$1,032

Mesquite Home Insurance by Deductible Amount

One of the decisions you need to make while shopping for homeowners insurance is how high or low your preferred deductible amount will be. Homeowners insurance deductible is the amount that you are responsible for paying before claiming for a loss. The deductible amount you choose will affect your insurance premiums.

The simple rule is that the smaller the deductible, the higher the premium. This suggests that if you want lower policy prices, you need to choose a higher deductible. Decide what deductible amount you can afford to pay in the event of a claim before choosing a premium.

Homeowners Insurance Costs by Deductible Amount in Mesquite

Deductible AmountAverage Annual Home Insurance Rate
$500$1,990
$1,000$1,837
$1,500$1,742
$2,000$1,588
$5,000$1,219

Common Causes of Home Insurance Losses in Mesquite

Mesquite sits within the southern range of Tornado Alley, an area where windstorms are most common. A recent study of the destruction of a nearby tornado has found that home building techniques significantly affect the amount of damage each house has experienced. This is why insurers are likely to consider the age and state of your home when they give you quotes for your homeowners insurance.

Top Home Insurance Agents Near Mesquite, TX

Home Insurance Company Near Mesquite, TXAddress
Scott Bogue – State Farm Insurance Agent18601 Lyndon B Johnson Fwy Ste 707, Mesquite, TX 75150
Hanby Insurance211 W Main St, Mesquite, TX 75149
Ron Adams – State Farm Insurance Agent945 S Bryan-Belt Line Rd #100, Mesquite, TX 75149
Hugo Gonzalez: Allstate Insurance820 E Cartwright Rd Ste 126, Mesquite, TX 75149

Looking for a Money-Saving Tip for Home Insurance in Mesquite? Try Bundling

If saving money is your primary concern, you can buy insurance for your home and car from the same insurance provider. By pooling the policies, Mesquite homeowners might see an estimated annual savings of 7%.

Cheapest Homeowners Insurance and Auto Insurance Bundle in Mesquite

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,070
USAA$1,160
Progressive$1,540
Allstate$1,870
GEICO$2,585

Mesquite Home Insurance Price by Coverage

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.

Home Insurance Companies in Mesquite

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.

CompanyJ.D. Power RankingA.M. Best RatingBBB Rating
All State5 out of 5 starsA+ (Superior)A+
Amica5 out of 5 stars*A++ (Superior)B-
Liberty Mutual3 out of 5 starsNot ratedA
State Farm3 out of 5 starsA++ (Superior)A++
Texas Farm Bureau Insurance3 out of 5 starsA+ (Superior)A

Homeowners Insurance Resources for Mesquite Residents

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Mesquite, TX Homeowners Insurance FAQs

Most traditional homeowners insurance plans offer four primary categories of coverage:

  • Housing coverage: protects the actual framework of your house
  • Security of personal property: protects personal possessions within the home
  • Liability coverage: covers the cost of any physical harm caused by someone in your household
  • Additional costs: covers all other living expenses that may happen if you are moved from your home (e.g., hotel costs, transportation).

 

Few insurers may offer extra coverage to add to your core insurance, depending on your needs. For example, you might have underground utility lines that you want to cover in your insurance policy.

Where you live would undoubtedly affect the kind of coverage you buy. If you’re living in an area that experiences a lot of severe and rainy weather, it’s a smart idea to get a special flood insurance policy to cover against water damage. In fact, your mortgage lender may ask you to do that. Flood cover is seldom included with the home insurance package.

Bear in mind that flood insurance is separate from hazard insurance. Hazard insurance appears to be a more generic concept that applies to aspects of your coverage that shield your house from fire loss, burglary, or damage incurred by other natural disasters. The price of the hazard policy varies depending on where you live.

Several considerations are included in the estimation of the home insurance premium. One of the important considerations is your history of claims. If you have made many home insurance lawsuits in the past, you are deemed to be high risk and will have to pay more expensive premiums to cover this risk.

The state of your home is also a consideration. Older homes are likely candidates for property loss. The same can be said for houses with design defects. Also, if your house is in a dangerous neighborhood, it is perceived as having a greater chance of robbery and vandalism. Additionally, when you have a big house, the cost of repairing your home is higher. These factors can cause the home insurance premiums to increase.

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