We’ve been serving thousands of homeowners in Dallas for over a decade, providing them with the protection and peace of mind they need.
Our expertise in the Dallas market allows us to understand the unique insurance requirements of homeowners in this area, so they get the right coverage at the best price.
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281-360-4646
David Fisher2024-02-29Anytime I need something Linda is on top of it. I couldn’t ask for anything better.Lisha Gilliam2023-11-08I would like to HIGHLY RECOMMEND Riches Insurance Agency for anyone that is shopping around for insurance!!! I am SO VERY HAPPY to say that collectively they just saved me $1,921/yr on my Home and TWIA insurance!!! Abbey is absolutely AMAZING, she is very thorough and helped me to understand all of my options!!!! Thank you very much, I greatly appreciate all your efforts!Keith Dabney2023-10-17Very responsive, was able to make last minute policy changes.john redington2023-09-06been happy here for yearsKeith McDonald2023-08-03My wife and I have been with Richey Insurance for more than 10 years. Probably more than 15yrs. Of all that time, I feel we have very good customer service excluding one time during Covid when they was short on employees and a major insurance company closed policies so they were busy contacting customers and writing new policies. I like how they managed my accounts and hope they stay in business many more years! Lastly, we was helped by Neesha Heesen this last time. Very professional and kept me informed via phone, text and email.Lisa C2023-07-17Everyone listen to my questions and worked to get me what I wanted.
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Dwelling Coverage
Liability Protection
Personal Property Coverage
Additional Living Expenses
Other Structures
Dallas homeowners insurance typically covers several key areas. First, it protects your dwelling, which means it helps repair or rebuild your home if it’s damaged or destroyed by a covered peril. This coverage is important because the rebuilding cost of a house can be substantial.
Second, it includes liability protection, which helps protect you from financial loss if you’re found legally responsible for someone else’s injuries or property damage. Additionally, homeowners insurance covers your personal property, such as furniture, clothing, and electronics, if they are stolen or damaged by a covered peril.
Moreover, it provides coverage for additional living expenses if you’re unable to live in your home due to a covered loss.
In addition, homeowners insurance typically covers other structures on your property that are not attached to your home, such as a detached garage or shed.
To provide you with an estimate of how much homeowners insurance might cost you in Dallas, we consider key factors that insurance companies use to determine rates. Here’s how we do it:
After analyzing these factors, we compare rates from 31 different insurance carriers. The lowest estimated annual rate we found for homeowners insurance in Dallas is $1,317, while the highest is $11,732. It’s important to remember that these rates are based on general assumptions and may vary based on specific details of your home and personal situation.
Please keep in mind that the rates provided are as of April 2024 and are subject to change over time. For an accurate quote tailored to your specific circumstances, it’s best to contact us directly.
Again, using the sample calculation considering several key factors provided above, here are the first 10 cheapest quotes for homeowners insurance in Dallas:
| Carrier | Annual Rate |
|---|---|
| ECONOMY PREFERRED INSURANCE COMPANY | $1,317 |
| HOMESITE INSURANCE COMPANY | $2,230 |
| USAA GENERAL INDEMNITY COMPANY | $2,332 |
| AUTO CLUB INDEMNITY COMPANY | $2,366 |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | $2,394 |
| ENCOMPASS INDEPENDENT INSURANCE COMPANY | $2,407 |
| INTEGON NATIONAL INSURANCE COMPANY | $2,434 |
| TEXAS FAIR PLAN ASSOCIATION | $2,478 |
| AMERICAN MERCURY LLOYD'S INSURANCE COMPANY | $2,510 |
| USAA CASUALTY INSURANCE COMPANY | $2,532 |
We’ve created this table to provide you with a snapshot of annual rates from various insurance companies offering homeowners insurance in Dallas. It shows the range of prices you might expect to pay for coverage. The data indicate that there can be significant variation in rates among different insurers, with some offering lower premiums than others.
Please note that the above rates are for illustrative purposes only and are based on a sample calculation. Your actual premium may vary based on your specific circumstances and the coverage options you choose. Additionally, the rates provided are as of May 2024 and are subject to change over time.
This information is valuable for homeowners in Dallas who are shopping for insurance as it allows them to compare prices and potentially find a more affordable policy. However, it’s important to note that the cost of insurance is not the only factor to consider when choosing a policy. Other factors, such as the coverage and benefits offered, the insurer’s reputation for customer service, and their financial stability, should also be taken into account.
By comparing quotes from multiple insurers, homeowners can ensure they are getting the best possible coverage at a price that fits their budget.
“Richey Insurance Agency works for you, not just one insurance company!”
As an independent insurance agency, we collaborate with 40+ top-rated insurance carriers. This way, we can compare different policies and find the best rates and coverage options tailored specifically to your needs.
Richey Insurance Agency stands out as the premier insurance agency in Dallas, TX, with a proud 16-year history of serving communities throughout Texas.
Our agency’s experience and expertise will make sure that you receive the best insurance solutions tailored to your needs.
When you choose Richey Insurance Agency, you gain access to unparalleled service and support. Our team is dedicated to assisting you with claims and providing ongoing support, making your insurance experience hassle-free. Additionally, we offer all-in-one solutions, allowing you to conveniently manage all your insurance needs in one place.
With regular policy reviews, we always make sure that your coverage remains up-to-date and continues to meet your evolving needs.
When you work with Richey Insurance Agency, you can trust that you’re receiving superb service and comprehensive coverage to protect what matters most to you.
Our experienced team is always online and here to guide you through the process and help you find the best possible coverage for your Dallas home. Contact us today to get started with a personalized quote.
If you prefer a face-to-face conversation, our doors are always open. Here’s your Google Map guide:
Hours of Operation:
(As of 2024)
1,295,447
Several factors can affect your Dallas home insurance rates, including:
Home insurance in Dallas can be expensive due to several factors. First, the high construction costs in the area contribute to higher insurance premiums.
Additionally, inflation plays a role in increasing the cost of materials and labor for repairs and rebuilding. Dallas also faces unique weather-related risks, such as tropical storms, tornadoes, and floods, which can lead to more frequent and severe damage to homes.
All these factors combined contribute to the higher cost of home insurance in Dallas compared to other areas.
In Texas, homeowners insurance is not required by the law. However, if you have a mortgage on your property, your lender will likely require you to have homeowners insurance.
This is to protect their investment in your home in case of a disaster. Mortgage lenders typically require insurance for the full replacement value of your home.
Yes, and we highly recommend it!
Bundling your home insurance with other insurance policies, such as auto insurance can often lead to discounts and savings on your premiums. It also insurance policies management on your end more convenient, as you’ll have one point of contact for all your insurance needs.
Yes, you may be eligible for discounts on homeowners insurance in Dallas. However, the availability and amount of discounts can vary depending on the insurance company and your specific circumstances.
Please talk to one of our representatives (281-360-4646) regarding discounts.
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