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 Average (Annual)Texas AverageUnited States Average
$1,080$3,468$1,548

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

CompanyAverage Annual Rate
Texas Farmers$255
Safeco$1,000
United$1,020
ASI Lloyds$1,120
Travelers$1,190

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

Coverage LevelAverage Annual Rate
$100,000 Dwelling$770
$200,000 Dwelling$1,589
$250,000 Dwelling$1,945
$400,000 Dwelling$2,468

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

ZIP CodeAverage Annual Home Insurance Rate
76053 (North Richland Hills)$1,020
76117 (Haltom City)$1,040
76148 (Watauga)$1,050

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

ZIP CodeAverage Annual Home Insurance Rate
76180 (Fort Worth)$1,150
76182 (Smithfield)$1,130

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

Deductible AmountAverage Annual Home Insurance Rate
$500$1,900
$1,000$1,780
$1,500$1,720
$2,000$1,590
$5,000$1,380

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

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,147
USAA$1,232
Progressive$1,757
Allstate$1,872
GEICO$2,550

The Best Insurance Companies in North Richland Hills, Texas

Insurance CompanyFinancial StabilityExperienceOnline Reviews
TravelersAM Best A+Experienced5 stars
USAAAM Best A++Experienced5 stars
ProgressiveAM Best A+Experienced4 stars
HippoAM Best A-New5 stars
Encompass (Allstate)AM Best A+Experienced5 stars
State AutoAM Best A-Experienced4 stars
SafeCo (Liberty Mutual)AM Best AExperienced4 stars
MercuryAM Best AExperienced4 stars
TowerhillAM Best A-Experienced5 stars
State FarmAM Best A++Experienced4 stars
StillwaterAM Best A-Experienced5 stars
VelocityAM Best ANew4 stars
LighthouseAM Best A-New3 stars
Foremost (Farmers)AM Best AExperienced3 stars

Top Home Insurance Agents Near North Richland Hills, TX

Home Insurance Company Near North Richland Hills, TXAddress
A-MAX Auto Insurance5352 Rufe Snow Dr, North Richland Hills, TX 76180
Matt Merkle: Allstate Insurance9289 Huntington Square Ste 200, North Richland Hills, TX 76182
HealthMarkets9151 Boulevard 26, North Richland Hills, TX 76180
Didi Diedrick-Riley – State Farm Insurance Agent8401 Boulevard 26 Ste 16, North Richland Hills, TX 76180
Farmers Insurance – Andrew Fitzpatrick6709 Mid Cities Blvd Ste A, North Richland Hills, TX 76182

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

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North Richland Hills, TX Homeowners Insurance FAQs

The state of Texas does not require homeowners insurance, but if you have a mortgage, your lender may request it to authorize a home loan. Often, while not state-required, if you have homeowners insurance, you have a home safety net.

In the unfortunate event that your house is destroyed or damaged, it will cost a lot of money to restore or repair. Without homeowners insurance, you’ve got to pull the money out of your pocket. If you have insurance for your home, you can claim damages to help restore your house. It will also cover theft of your personal belongings.

You’re expected to get it as quickly as possible. You will never know when an unpredictable incident, such as fire, floods, and theft, will happen. Often, as stated earlier, if you get a house loan, your lender will require homeowners insurance. You must look around for the right policy to suit your needs before deciding to buy. Check  Insurance Online Comparison Tool to get information on the prices of multiple insurance companies.

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