Rowlett, TX Homeowners Insurance

The City of Rowlett is part of the Dallas, Texas Metropolitan area. It occupies about 22 square miles of the eastern and western counties of Dallas and Rockwall. The bulk of the area is under Dallas County’s borders, with Dallock Road as a dividing county boundary. The City is surrounded by Ray Hubbard Lake, which acts as a water source and a recreation lake.

Rowlett has a population of 63,793 people. Living in Rowlett gives people a country feel, and most of the residents own their houses. Rowlett’s homeownership rate is 86.9%, higher than the national average of 63.9%. 

Current property prices differ significantly across the state and the city’s regional area, so it is essential to compare rates and understand what homeowners are paying for insurance. Insurers weigh different considerations, such as your house valuation, prior claims, and even building techniques, before giving you a quote.

How Much Does Homeowners Insurance Cost in Rowlett?

Homeowners Insurance: Rowlett Rates Vs. State + National Averages

Rowlett Average (Annual)Texas AverageUnited States Average
$1,001$3,468$1,548

Rowlett Homeowners Insurance by Company

Rowlett homeowners insurance premiums differ from one insurance provider to another. Rowlett’s most affordable home insurance is from Texas Farmers, with an estimated rate of $302 a year. This is significantly cheaper than the city’s overall homeowners insurance premium of $1,001.

Affordable Homeowners Insurance Companies in Rowlett

CompanyAverage Annual Rate
Texas Farmers$302
Safeco$680
Travelers$720
State Farm$930
ASI Lloyds$1,250

Rowlett Homeowners Insurance Prices by ZIP Code

Not all places in Rowlett have equal homeowners insurance costs. The neighborhood you live in may significantly impact how much you pay to insure your home. Policy decisions are often priced on local variables, such as the number of claims filed in the immediate area.

75030 has the cheapest average home insurance premium in Rowlett, with an average of $803 per year. If you’re looking for areas with the most affordable homeowner insurance rates in Rowlett, look at the table below.

Cheapest Areas for Homeowners Insurance In Rowlett

ZIP CodeAverage Annual Home Insurance Rate
75030 (Rowlett)$803
75088 (Dalrock)$816
75089 (Sachse)$823

However, some parts of Rowlett have homeowners insurance premiums that are double the city average. Crime rates, fire hazards, and even access to emergency care could cause insurance providers to see specific areas at higher risk, increasing area rates. With an average annual premium of $1,095, Wylie (ZIP code: 75098) has the most expensive homeowners insurance cost in Rowlett.

Number of Catastrophes in Texas and the US

  • National number of catastrophes: 19,030
  • Number of catastrophes in Texas: 1,930
  • National number of tornadoes: 1,230
  • Number of tornadoes in Texas: 220
  • National property damage from weather: $5,511,276,000
  • Property damage from weather in Texas: $1,026,150,050

Texas sees more collateral damage than most other states. For example, when it comes to tornadoes, it takes a lot of hits.

The area where Rowlett is located has a semi-arid climate with long, hot summers. Winters are colder, but most residents may still feel very warm. Gulf Coast hurricanes may also bring down an unprecedented amount of rain in the area, leading to wind damage and flash flooding. Flood insurance takes thirty days to get active, so make sure you have that coverage before the bad weather starts.

Rowlett Homeowners Insurance Rates by Coverage Level

Your chosen amount of homeowners insurance coverage affects the premiums you pay. In Rowlett, carrying $200K of dwelling coverage costs an average of $1,450 per year, while carrying $400K of dwelling coverage costs $3,350 per year.

Homeowners Insurance Rates in Rowlett—Popular Coverage Limits

Coverage LevelAverage Annual Rate
$100,000 Dwelling$1,309
$200,000 Dwelling$1,450
$250,000 Dwelling$2,129
$400,000 Dwelling$3,350

What Does Rowlett 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.

 

Rowlett Homeowners Insurance Rates by Deductible Amount

A deductible is how much your policy requires you to pay when you file for a claim. The deductible amount you select will affect how much you spend on your insurance premium.

When agreeing on a deductible, note that the higher your deductible amount is, the lower your premium will be. Therefore, consider a higher deductible if you wish to pay a lower premium. However, make sure that you can afford the deductible you choose if you have to file for loss.

Take a look at the usual deductibles provided by the insurers and an estimate of what the premiums are likely to be in Rowlett.

Homeowners Insurance Rates by Deductible Amount in Rowlett

Deductible AmountAverage Annual Home Insurance Rate
$500$2,005
$1,000$1,815
$1,500$1,224
$2,000$902
$5,000$485
  

Best Homeowners Insurance Companies in Rowlett

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
Allstate5 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

Top Home Insurance Agents Near Rowlett, TX

Home Insurance Company Near Rowlett, TXAddress
Farmers Insurance – Chris Brown5330 Lakeview Pkwy, Rowlett, TX 75088
Costlow Insurance3521 Main St #100, Rowlett, TX 75088
Ryan Insurance5105 Martin Dr #4058, Rowlett, TX 75088
Aaron Toews – State Farm Insurance Agent2300 Rowlett Rd #101, Rowlett, TX 75088
Charlie Corbin: Allstate Insurance8602 Lakeview Pkwy Ste F, Rowlett, TX 75088

Bundle Homeowners and Auto Insurance in Rowlett to Save Money

Bundling homeowners insurance and auto insurance from the same company will save you a significant amount per month on your premium. Through pooling the policies, Rowlett homeowners could see an average annual savings of 7%.

Cheapest Auto Insurance Premium With Home Insurance Bundled in Rowlett

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$910
USAA$1,050
Progressive$1,080
Allstate$1,160
GEICO$1,310

Homeowners Insurance Resources for Rowlett Residents

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Rowlett, TX Homeowners Insurance FAQs

Personal liability insurance keeps you and your family covered when your property is damaged. This form of coverage guarantees that you are not responsible for hospital bills or civil payments.

Liability insurance coverage is provided in the home insurance package and is not purchased separately. Usually, $100,000 in liability protection is included in the standard homeowners insurance policy, but this can be expanded if you find you need extra coverage.

There are other opportunities to save on homeowners insurance. One strategy is to mitigate risks. For example, if you live in a dangerous location, the home insurance company would appreciate it if you install a safety device or a deadbolt. This reduces your chances of filing a burglary claim, just as installing smoke detectors or sprinkler systems reduces your chances of filing a fire damage claim.

You can also save on homeowners insurance by bundling policies. For example, if you purchase your homeowners insurance and auto insurance from the same provider, you can receive a multi-policy discount.

In the case of a big insurance claim, imagine umbrella insurance as an additional layer of security.

For example, say that you have been charged because someone injured themselves on your property and the court’s fees outweigh the compensation provisions of your homeowners’ agreement. In such cases, an umbrella insurance policy is going to be helpful.

Assess your financial situation to see if it’s worth adding an umbrella package to your homeowner’s policy.

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