Gavop's guide to buying homeowners insurance in Denton County, TX covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Denton County, TX - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Oak Lake, Belltower Pl, Coyote Ct, Ganzer Rd W, Cardinal Way, Wood Creek Cir, Frio Way, Westwind Dr, Perry Ave, Collins Rd | $143,000 | $120,000 | $125,000-$150,000 | $168,000 | $140,000 | $125,000-$150,000 |
| Fairwind Ct, Broken Arrow Ln, Glenridge Dr, Florence Dr, Mercer Way, Stone Creek Ln, Lauren Way, Parvin St, Creekhaven Dr, Ponderosa Pine Dr | $154,000 | $130,000 | $175,000-$200,000 | $210,000 | $200,000 | $150,000-$175,000 |
| E Walcott St, N 2nd St, Shady Trl, Sweetleaf Dr, Tournament Ln, Hames Rd, Robinwood Ln, Greenbriar St, Mingo Rd, Kielder Dr | $209,000 | $180,000 | $175,000-$200,000 | $434,500 | $370,000 | $350,000-$400,000 |
| Costa Mesa Dr, Jade Cove, Sundance Dr, Ping Dr, Sir Percival Ln, Hercules Ln, Havencreek Cove, Co Rd 1086, Pvt Rd 2603, Isle du Bois State Park Rd | $134,000 | $130,000 | $125,000-$150,000 | $242,000 | $200,000 | $175,000-$200,000 |
| Portland Dr, Powers St, Davisville Dr, Birchbrook Dr, Port Allen Dr, Willow Glade Cir, John Wiley Rd, Peacock Ln, Shoreline Dr, Pen-Jay Ln | $124,500 | $110,000 | $100,000-$125,000 | $192,500 | $180,000 | $175,000-$200,000 |
| Kyle Ln, Jester Ln, Silver Maple Dr, Alamo Pl, Peco St, Hilton Head Ln, Nickolson Rd, Labelle Ct, S College St, Paige St | $223,500 | $210,000 | $200,000-$250,000 | $256,000 | $210,000 | $200,000-$250,000 |
| Blackstone Dr, Millbank, Kentucky Derby Dr, Lake Ridge Cir, Windsor Pkwy, Somerset Rd, Falcon Point Dr, Wagon Trl, Mariner Dr, Springfield Bend | $373,000 | $340,000 | $400,000-$500,000 | $423,000 | $390,000 | $400,000-$500,000 |
| Blair Oaks Cir, del Largo Way, Sir Lovel Ln, Vintage Ct, Saint Francis Ln, Hardy St, Bella Lago Dr, Hackberry Rd, Amhearst Ct, E Prairie St | $296,000 | $280,000 | $300,000-$350,000 | $438,500 | $360,000 | $400,000-$500,000 |
| Province Dr, Milsop Dr, Creekwood Ln, Briar Grove Ct, Lance Dr, Malone Ave, Dove Hollow Dr, Northridge Dr, Mossey Oak Ct, Alister Ln | $398,000 | $330,000 | $300,000-$350,000 | $543,000 | $470,000 | $500,000-$600,000 |
| Jeffrey Dr, Sailmaker Dr, Chisum Rd, Jamestown Ln, Serenity Ct, Chapel Hill Ct, Rutledge Dr, Castle Ct, N Woodland Trl, Indigo Sky Dr | $366,000 | $330,000 | $350,000-$400,000 | $358,000 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$180 | $1,106 |
| Superior Protection Discount | -$116 | $1,170 |
| Fire & Security Discount | -$141 | $1,144 |
| Hail Resistant Roof Discount | -$26 | $1,260 |
| Newly Constructed Home Discount | -$296 | $990 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Denton County | $700 | $1,270 | $1,970 | $923 | $1,623 | $347 |
| Denton County, TX | $1,500 | $1,270 | $2,770 | $923 | $2,423 | $347 |
| Corinth, TX | $500 | $1,004 | $1,504 | $729 | $1,229 | $274 |
| Krugerville, TX | $2,500 | $1,844 | $4,344 | $1,340 | $3,840 | $504 |
| Double Oak, TX | $500 | $2,610 | $3,110 | $1,897 | $2,397 | $713 |
| Saginaw, TX | $2,000 | $941 | $2,941 | $684 | $2,684 | $257 |
| Richland Hills, TX | $100 | $980 | $1,080 | $712 | $812 | $268 |
| Richardson, TX | $1,000 | $1,262 | $2,262 | $917 | $1,917 | $345 |
| Sadler, TX | $300 | $1,362 | $1,662 | $990 | $1,290 | $372 |
| Heath, TX | $1,500 | $940 | $2,440 | $683 | $2,183 | $257 |
| Sherwood Shores, TX | $500 | $1,370 | $1,870 | $996 | $1,496 | $374 |
| Royse City, TX | $2,500 | $960 | $3,460 | $698 | $3,198 | $262 |
| Home Insurance Company Denton County, TX | Homeowners Insurance Agency Denton County, TX | Address | Popularity Score | Distance from Denton County (miles) |
|---|---|---|---|---|
| State Farm | Rick Tanner | 2406 S Stemmons Fwy Ste F, Lewisville, TX, 75067-8772 | 16.1 | |
| Travelers | Century Insurance Agency Inc | 2735 Wind River Ln Ste 151, Denton, TX, 76210 | 2.3 | |
| State Farm | David Loerwald | 2400 E Hebron Pkwy, Carrollton, TX, 75010-4419 | 19.3 | |
| State Farm | Moon Lee-Barnes | 2625 Old Denton Rd Ste 336, Carrollton, TX, 75007-5113 | 19.4 | |
| Allstate | Michael Massey | 4750 Little Rd, Arlington, TX, 76017 | 37.1 | |
| State Farm | Ty Donovan | 1421 E Sandy Lake Rd Ste 120, Coppell, TX, 75019-7955 | 19.2 | |
| Farmers | Rachel Walter | 215 Swisher Rd, Lake Dallas, TX, 75065 | 7.1 | |
| Farmers | Kenneth Powell | 2570 Fm 407 Ste 202, Highland Village, TX, 75077 | 9.5 | |
| Travelers | Neal & Neal Insurance Agency | 4202 N I-35, Denton, TX, 76207 | 3.7 | |
| Allstate | Usman Financials Inc | 8360 Lbj Fwy Ste 180, Dallas, TX, 75243 | 28.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Texas | $151,500 | $1,709 | $1,130 | $2,630 | $1,500 |
| Denton County, TX | $232,000 | $1,286 | $850 | $1,980 | $1,130 |
| Denton County, TX | $232,000 | $1,286 | $850 | $1,980 | $1,130 |
| Corinth, TX | $213,400 | $1,016 | $670 | $1,560 | $890 |
| Krugerville, TX | $214,400 | $1,866 | $1,230 | $2,870 | $1,640 |
| Double Oak, TX | $410,500 | $2,642 | $1,740 | $4,070 | $2,330 |
| Saginaw, TX | $138,800 | $952 | $630 | $1,470 | $840 |
| Richland Hills, TX | $115,500 | $992 | $650 | $1,530 | $880 |
| Richardson, TX | $226,100 | $1,277 | $840 | $1,970 | $1,130 |
| Sadler, TX | $72,500 | $1,379 | $910 | $2,120 | $1,210 |
| Heath, TX | $423,400 | $952 | $630 | $1,470 | $840 |
| Sherwood Shores, TX | $74,000 | $1,387 | $920 | $2,140 | $1,220 |
| Royse City, TX | $149,600 | $972 | $640 | $1,500 | $860 |