North Richland Hills, TX Homeowners Insurance

North Richland Hills, Texas is a city centrally located within the Dallas Fort Worth metropolitan area. With nearly 70,000 residents, 1,200 businesses, and 30 major employers, North Richland Hills is Tarrant County’s third-largest city. Residents enjoy a warm and friendly atmosphere and family-friendly amenities, including more than 800 acres of parkland, 30 miles of hiking and bike trails, the award-winning Iron Horse Golf Course, and the NRH2O Family Water Park. In North Richland Hills, the homeownership rate is 62.5%, a little bit below the national average of 63.9 %.

The price of a homeowners insurance policy in North Richland Hills depends on various factors, including your house’s selling value, the cost of your possessions, and the materials used to build your home. The location of your house will also play a significant role in your homeowners insurance premium. Many areas are vulnerable to risks, such as hails, fires, blowing of pipes, eruptions, and other dangers. These risks would result in higher insurance rates for homeowners.

How Much Does Home Insurance Cost in North Richland Hills?

Homeowners Insurance: North Richland Hills Rates Vs. State + National Averages

North Richland Hills Homeowners Insurance by Insurer

How much you’ll pay for your North Richland Hills homeowners insurance depends on the insurance provider you’re trying to get your coverage from. The cheapest homeowners insurance in North Richland Hills is offered by Texas Farmers, which provides an average rate of $255 a year, cheaper than the city’s overall homeowner premium of $980.

Below you’ll find a list of the cheapest home insurance providers in North Richland Hills, Texas to help you with your search.

Cheapest Homeowners Insurance in North Richland Hills

North Richland Hills Home Insurance Prices  by Coverage Level

How much you pay for homeowners insurance is affected by the amount of coverage you choose. In North Richland Hills, carrying a $100K dwelling coverage costs an average of $770 per year, while carrying up to $400K dwelling coverage costs $2,468 per year.

Homeowners Insurance Rates in North Richland Hills—Popular Coverage Limits

North Richland Hills Home Insurance Rates by ZIP Code

Homeowners insurance premiums can vary based on where you live in North Richland Hills. One of the considerations that insurers use when pricing your policies is the number of lawsuits made in your area. As such, the location of your house can affect your home insurance premium.

The lowest home insurance price in North Richland Hills is in 76053 at $1,020 per year on average. If you’re searching for places with the cheapest homeowners insurance in North Richland Hills, refer to the table below.

Cheapest Neighborhoods for Homeowners Insurance in North Richland Hills

Other areas in North Richland Hills have homeowners insurance prices that are above the city average. Crime rates, fire hazards, and even emergency care access could cause insurance providers to see specific areas as higher risk, increasing premiums in those ZIP codes. One of the most expensive North Richland Hills homeowners insurance is in Fort Worth (ZIP code: 76180), with an average of $1,150 per year.

Expensive Areas For Homeowners Insurance in North Richland Hills

North Richland Hills Home Insurance Prices by Deductible Amount

The deductible is how much your insurance company requires you to pay out of your pocket if you are to file a claim. Your homeowners insurance deductible amount is directly related to how much you spend on your insurance premiums. When you choose your deductible, a simple rule of thumb is that the smaller the deductible, the higher the premium. As such, if you want a cheaper insurance premium, go for a higher deductible. Bear in mind that the deductible should be an amount you can afford when you claim for insurance.

The table below shows the average insurance rates and the corresponding deductibles provided by most home insurers.

Homeowners Insurance Rates by Deductible Amount in North Richland Hills

Money-Saving Tip: Bundle Homeowners and Auto Insurance in North Richland Hills

You might consider bundling your homeowners and auto insurance plans with the same provider to save some money. North Richland Hills’s bundling policies could lead to an average annual savings of 7%.

Cheapest Auto Insurance and Homeowners Insurance Bundle in North Richland Hills

The Best Insurance Companies in North Richland Hills, Texas

Top Home Insurance Agents Near North Richland Hills, TX

Common Home Insurance Claims in North Richland Hills, TX

Texas is notorious for its hail, tornadoes, and extreme humidity. There were 18 incidents of hail within 10 miles of North Richland Hills in 2019. The biggest hailstorm brought 4.5 inches of hail. In October 2019, a tornado devastated Dallas and nearby counties, leaving more than 150,000 residents without electricity and destroying homes and schools.

North Richland Hills Homeowners Insurance Special Resources

• Insurance Online Comparison Tool
• NFIP Flood Insurance
• Texas Department of Insurance