How Can I Make My Richardson, TX Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Richardson, TX by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Estimate Appropriate Richardson, TX Home Insurance Coverage Levels | Back to Top

Richardson, 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
Hillside Ave, Elizabeth Ln, Summerwood Ln, Chelsey Ln, Drawbridge Ln, S Grove Rd, Loganwood Ave, Walton St, Haynes Dr, Hilltop Trl $167,000 $140,000 $150,000-$175,000 $277,500 $260,000 $300,000-$350,000
Sage Valley Dr, Derby Dr, Municipal Dr, Bridle Dr, Greensboro Dr, S Bowser Rd, Sagebrush Trl, Hanbee St, Ridge Creek Dr, Wheaton Dr $222,500 $210,000 $200,000-$250,000 $275,500 $260,000 $300,000-$350,000
Canyon Meadow Dr, Newfield Ct, Kirby Ln, Vassar Dr, Longmeadow Dr, Starshadow Dr, Crestover Cir, Towne House Ln, Rimes Dr, Wicklow Ln $263,500 $240,000 $200,000-$250,000 $306,000 $270,000 $300,000-$350,000
Spring Meadow Ln, 3rd St, Arvada Dr, Woods Ct, Danville Dr, Shamrock Ct, Younger Ct, Jupiter Pkwy, Cloverdale Dr, Lookout Dr $145,000 $130,000 $150,000-$175,000 $203,500 $180,000 $200,000-$250,000
Kent Brown Rd, Oak Brook Dr, Alderwood Dr, Tejas Trl, S Sherman St, Merrie Cir, Aberdeen Dr, Grassmere Dr, Maryland Dr, Cori Pl $176,000 $160,000 $200,000-$250,000 $247,500 $200,000 $200,000-$250,000
Grant Dr, Butternut Dr, Mill Springs, American Pkwy, Colgate Dr, Trellis Pl, Moonglow Dr, Pinecrest Dr, Cavalier Ct, Kelly Cir $117,000 $100,000 $100,000-$125,000 $166,500 $140,000 $175,000-$200,000
Sotogrande Dr, Carnoustie Ct, Queen Victoria Ct, Clear Springs Dr, Jennifer St, Winding Brook Ln, Ramblewood Dr, Belt Line Cove, Barclay Ln, Fireside Ct $204,000 $190,000 $200,000-$250,000 $229,000 $200,000 $200,000-$250,000
Blue Ridge Pl, Foxboro Dr, Carol Stream Dr, Regency Dr, Donegal Ln, E Blackburn Rd, Navajo Trl, Briar Glen Ct, Brook Glen Dr, Lake Pointe Way $297,000 $280,000 $200,000-$250,000 $294,500 $250,000 $200,000-$250,000
Callejo Rd, Yale Pl, Fairway Meadows Dr, Greenleaf Ct, Decca Dr, Chariot Ln, Raford Hill Ln, Green Meadow Dr, Sandestin Ct, Victoria Ln $146,500 $120,000 $125,000-$150,000 $235,000 $220,000 $200,000-$250,000
Waterfall Way, Crystal Ct, Bridge Canyon Ct, Inglewood Dr, Executive Dr W, Warfield Way, S Spring Creek Dr, Regal Ct, Collins Ct, S Gentle Dr $103,000 $90,000 $100,000-$125,000 $264,000 $240,000 $250,000-$300,000

Choose the Best Richardson, TX Home Insurance Premium for your Background | Back to Top

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 600-649 Credit Score $25 to 50,000 2 Pets, Non-Smoker $170
Part Time Job 750-799 Credit Score <$25,000 More than 3 Pets at home, Non-Smoker $170
Full Time Job 700-749 Credit Score <$25,000 3 Pets, Smoker $90

Choose your Richardson, TX Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $6,156
Physical Damage $2,295
Hail Damage $4,759
Wind Damage $6,114
Expensive Claims
Fire $42,889
Smoke $16,051

Identify Top Home Insurance Agents near Richardson, TX | Back to Top

Home Insurance Company Richardson, TX Homeowners Insurance Agency Richardson, TX Address Popularity Score Distance from Richardson (miles)
State Farm William Kuo 280 Legacy Dr Ste 250, Plano, TX, 75023-2378
6.6
State Farm Read Castleberry 9043 Garland Rd, Dallas, TX, 75218-3919
9.9
State Farm Dave Kiley 3608 Preston Rd Ste 145, Plano, TX, 75093-8662
7.2
State Farm Christian Serrano 6909 Rowlett Rd Ste 103, Rowlett, TX, 75089-1680
8.3
Travelers Roach Howard Smith & Barton 8750 N. Central Expwy, Ste.500, Dallas, TX, 75231
8.1
State Farm Duff Bourassa 819 W Arapaho Rd Ste 50, Richardson, TX, 75080-5038
2.5
Liberty Mutual Independent Mhbt Inc 8144 Walnut Hill Ln. 8144 Walnut Hill Ln., Dallas, TX, 75231
7.2
Farmers Michael Morgan 4111 S Highway 377 Ste 3, Aubrey, TX, 76227
24.8
State Farm Bill Remley 4230 L B J Fwy Ste 105, Dallas, TX, 75244-5800
8.1
Liberty Mutual Independent Wood-Wilson Company Inc 8131 Lbj Freeway, Ste. 220, Dallas, TX, 75251
4.6

Compare Rates for Richardson, TX Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $560 $370 $860 $490
Dallas County, TX $129,100 $560 $370 $860 $490
Richardson, TX $183,500 $860 $570 $1,320 $750
Rowlett, TX $162,000 $780 $510 $1,200 $690
Farmers Branch, TX $145,000 $670 $440 $1,030 $590
Paloma Creek, TX $148,400 $730 $480 $1,120 $640
Euless, TX $142,700 $800 $530 $1,230 $700
Greenville, TX $91,000 $450 $300 $690 $390
Rosser, TX $73,300 $410 $270 $630 $360
Gainesville Southeast, TX $168,000 $810 $530 $1,250 $720
Edgecliff Village, TX $121,900 $670 $440 $1,030 $590
Lakeside, TX $158,000 $870 $570 $1,340 $770
Briaroaks, TX $187,500 $980 $650 $1,510 $860

Research Home Insurance Companies Reviews in Richardson, TX Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: April 03, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
I've read online about better and simpler home insurance offerings but i chose state farm because although I overpay by a few dollars a month, I am confident in the company.


Date: March 07, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
this was similar to other companies but with slightly better prices. I think I'd chose them again just for the monthly payment but overall they are fairly similar to the other big insurance companies.


Date: January 22, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
It's just a renter's policy, so it is very affordable. I have never compared with other home insurance companies, but my understanding is that it is competitive with other policies.

Date: December 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
They offer coverage for most property and person. They offer all inclusive automobile, renter insurance and life insurance categories at affordable rates.


Date: September 18, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
My agent's assistant is always available for any of my needs and addresses any issues on the spot. He is super knowledgeable and it always pleasant and helpful.

Date: September 15, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I was previously with USAA. My rate with my current insurer is much lower. Customer service is also much better having a local agent. This is the main reason I switched.

Date: September 14, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
I haven't really had to use their site much, but for information it is easy to use, but looks a little clunky if I had to file a claim. Seems that it would be easier to simply go to the local office.

Date: September 05, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
My only complaint to date is with my wife's login for her app. We have to log in to use our drive safe discount devices in our cars. Her login does not work, and the 'forgot password' option does not appear to work. I am sure this can be fixed with a call to the agent, but it is an annoyance.

Date: August 06, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
We have a local agent that is always willing to help. We can call and speak to a human who lives in our area. Not a call center in either another City or Country. I am very pleased with this model.

Date: July 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I get a fairly good rate because I also have my car insurance through them, so for the coverage and the strength of the company, it seems like a very competitive rate.

Date: July 27, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
It covers just about everything. I have an additional rider for things like musical instruments, so it is a convenient add-on.


Date: May 07, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Communication
Some of the common communication is a little cold and impersonal. Other than reaching out to them, we only get mailings that tell us about policy changes or rate changes.

Date: March 19, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
My current insurance policy covers my home, external structures up to 20k, and pairs with an umbrella policy that covers liability up to 1 million dollars.


Date: November 19, 2017    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Communication
As stated previously, interaction with my insurance company is done through my local agent. My agent knows me by name. I can easily relate to someone who lives in my little town in Missouri. I cannot state enough about how pleased I am with this.

Allstate Home Insurance Reviews

Date: November 26, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
I like to keep my premium low and I am willing to pay a higher deductible because I know that I will not have any issues. Compared to other insurance policies I reviewed AllState was great on price.

Date: September 12, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
it is any damages to my home or property due to weather or someone vandalize my home. also, any fire that happens as well


Date: September 03, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
what I like about all state customer service is that they are very helpful and make sure they help you with any answers you have. the hold time is very short compared to the other insurance company I dealt with

Date: August 26, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
what I like about the companies website is that it has a lot of information that you can read about there insurance policies and inform you about there company.

Date: January 31, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Communication
the interaction with all state is always helpful and understanding, they always leave me to feel great after a phone call to them for any problems I have with understanding certain things about my coverage

Date: November 19, 2017    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
the premium that is offered at all state is very affordable compared to other insurance companies because I have been with others and I had to pay more then what I'm paying now with all state

Progressive Home Insurance Reviews

Date: March 02, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
Progressive has a really fair deductible on my policy. I think it's completely fair based on what I pay per month.

Date: September 24, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I've realized some other companies are a lot cheaper, but I've stuck with my company because I've been here for so long, and they do a really good job.

Date: September 22, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The insurance policy covers fire and smoke damage, tornadoes and other natural disasters, I also believe it has flood insurance.


Date: August 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I hate having to sit on hold for long periods of time. I also really hate it because every time you call you to have to go through the robot, and then half the time the person that you're talking to can't help you so they transfer you to someone else.

Date: July 31, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I like that they send me a message every time my premium is due, or anytime there is a policy change made. I also like little discounts for being there for so long.

Date: May 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like that I can check my policy, make changes, and I can also see my car insurance policies and male changes to them as well. I also like their chat option.

Esurance Home Insurance Reviews

Date: January 10, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
The one time I have had to speak on the phone with them regarding my policy the customer service advocate was very kind and helpful.

Alfa Insurance Home Insurance Reviews

Date: February 27, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
home insurance customer service are good i have never had an issues with their service. they are always willings to help and solve problems

Texas General Insurance Home Insurance Reviews

Date: October 20, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
They're customer service is alright. You can call and talk to them and they offer the help that you need and are quick to process your claim. They are very friendly and they know what they are doing

State Auto Home Insurance Reviews

Date: May 25, 2019    Age: 30 to 39    Gender: Unmarried    Marital Status: Male

Premium
The main reason why I chose to go with my currently insurance company was reliability I like the way they presented their insurance.

Farmer's Insurance Home Insurance Reviews

Date: July 04, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
Their offerings are very competitive with other insurance companies. We did a lot of comparing when we purchased our home, and our insurance company offered.


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