Homeowners Insurance Quotes in Garland, TX

What You Should Know About Home Insurance in Garland

Garland, Texas, founded in 1887 and incorporated in 1891, is located about 20 miles from Dallas. Most of the city falls within Dallas County, while parts fall within Collin and Rockwall Counties.

Garland is home to Richland College and Amberton University. Local events and sights to see include weekly live local bands in Downtown Garland, the Granville Arts Center, and the Plaza Theatre. Learn about the city’s history from 1850 and beyond at the Garland Landmark Museum. Manufacturing plays a major part in the city’s economy thanks to the presence of over 300 manufacturers — one such manufacturer, the Resistol Hat Plant, offers a one-hour tour of how cowboy hats are made.

Garland’s healthy economy and abundant activities make the city a perfect place to call home. Whether you live in Brentwood Place, Chandler Heights, or Forest Creek, you will need the best homeowners insurance in Texas to protect the place you call home. Expert agents are ready to offer you top-tier service to find you the best cost savings.

How Much Does a Homeowners Insurance Policy Typically Cost in Garland?

Crime rates and home values differ from place to place, meaning your residence zip code plays a major factor in your insurance rate.

Texans pay an average yearly cost of about $4,643 a year for homeowners insurance for a $400,000 home. The average coverage cost for Garland homes varies according to the dwelling insurance total, as shown in the following chart.

Dwelling Insurance Total	Average Annual Cost in Garland	Average Annual Cost Nationwide
$300K	$5,451	$2,582
$600K	$9.428	$4,140
$1 million	$14,260	$7,380

We arrived at these numbers by using the cost of dwelling coverage, a $100,000 liability and a standard $1,000 deductible.

How Do Home Insurance Deductibles Change Insurance Rates in Garland?

Just like in the rest of Texas, your Garland insurance deductible helps determine your policy rates. That means you can increase your deductible if you would like to pay a lower policy rate. However, this is best only if you have ready cash on hand to cover that higher deductible should you need to file a claim. For example, if your deductible is $1,000, you will be responsible for that amount in any successful claim.

Is Home Insurance Tax Deductible in Garland?

Home insurance for your residence is usually not tax deductible. Here are some areas where tax deductions may be allowed:

• If you are a homeowner for rental properties you do not live in, your landlord’s insurance may be considered a business expense you can deduct.
• If you use part of your home residence as a home office, you may be able to deduct that portion, considering you only use that space for your business. Simply put, if you use 25% of your home’s square footage for business, you can likely claim 25% of your home insurance cost on your taxes.
• If your insurer rejects a claim or part of a claim, you may be able to claim a casualty loss deduction on your taxes.

Be sure to ask your tax professional for specifics.

Does Garland Have the 80% Homeowners Insurance Rule?

While the 80% homeowners insurance rule is not mandated by the city or state, many insurers follow this industry standard that says you must maintain coverage valued at 80% of your home’s replacement value.

That means if your Club Creek home would cost $500,000 to replace from the ground up, your policy must provide 80% — or $400,000 — worth of coverage. When your home’s value goes up due to home improvements or a shift in the market, be sure to adjust your policy to maintain the proper coverage.

Your expert InsureOne agent can provide you with customized options and competitive rates.

Bundling Home and Auto Insurance in Garland

If you are a homeowner with multiple policy needs, you can save yourself the trouble of juggling several policies by bundling. Bundling means buying multiple policies from one carrier. And a bonus is that it helps you save on homeowners insurance — up to 25% off your bill.

Think of your local InsureOne as a one-stop shop where expert agents can help you pick up auto coverage, homeowners insurance for your residence and your rental property, or bundle your homeowners with any other available coverage that fits your specific needs.

What Factors Do Insurance Companies Consider When Setting Rates?

Agents consider many factors when determining rates. Personal information about your property and its location helps underwriters estimate the chance of you filing a claim.

Some other factors include:

• Your home’s age: Your underwriter will review whether your home is new construction or an older home.
• Risk of natural disaster in your area: Texas weather, including the risk of hurricanes, hailstorms, tornadoes, and wildfires, plays a major part in determining a homeowner’s risk of filing a claim.
• Your home’s square footage: A smaller home will likely cost less to insure.
• Your claim history: If you have a history of filing insurance claims, you may be viewed as a higher risk and pay a higher rate.

Be sure to tell your agent the specifics about your unique situation so you can get the appropriate high-quality coverage.

What Are the Different Types of Homeowners Coverage Offered in Garland?

Garland agents are ready to provide concierge service so you can get the best policy for your needs from the eight types of homeowners insurance.

These policy types include:

• HO-1 policy: This is the most basic type of policy, protecting your home by covering 10 perils, such as fire or lightning, explosion, windstorm or hail, vandalism, and theft.
• HO-2 policy: This policy is an expanded version of the HO-1 policy, covering the same 10 perils plus more, such as damage from the weight of snow and ice, falling objects, and plumbing freezing. This policy also covers your personal belongings, medical payments to others, and living expenses.
• HO-6 policy: This policy covers condos and co-ops and is referred to as “walls-in coverage.” It covers your residence’s post-purchase renovations, living expenses, personal belongings loss, liability, medical payments for others, and walls, floors, and ceilings coverage.
• HO-7 policy: This policy covers mobile, sectional, modular, and manufactured homes, and trailers. This open-peril policy covers structure damage except for exclusions listed on your policy. Belongings are covered by perils included in your policy.

Your agent can give you the details about these policies and the other four available types to help you find your personalized coverage.

What Is the Most Common Type of Home Purchased in Garland?

Of nearly 79,770 homes and apartments, almost 70% of those are single-family homes, the majority of which contain three bedrooms, while 3.6% are townhomes and just 0.3% are apartments. About 61% of Garland’s homes are owner-occupied, with the median value coming in at about $323,000.

Almost a quarter of Garland’s residents have a bachelor’s degree or higher, and about 10% of the area’s workers telecommute, often in white-collar professions. Whether you live in an older home in the Greens or new construction in Firewheel, you will need the best homeowners insurance coverage to protect your investment.

Which Common Natural Disasters Are Covered by Home Insurance in Garland?

Thunderstorms, hailstorms, and tornadoes are common occurrences in Texas and often happen without warning. May is the most active month for tornadoes, with an average of 42 events a month. In 2024, there were 121 reported home fire fatalities in Texas.

Garland has a low risk of experiencing hurricanes, with just 21 reported hitting the area since 1930. Earthquakes are also uncommon for Garland, with 79 having happened since 1931.

It is always wise to be prepared, though, for unexpected wild weather that could leave you with costly damage to your home. One way to prepare is by having your agent help you find the best homeowners coverage.

Confirm whether your policy includes coverage for the following damage:

• Flood loss. Flood insurance may be mandatory but is not typically included in your coverage. Check if you need a separate flood insurance policy.
• Windstorm. Your policy may include windstorm coverage but might have a different deductible than your standard policy. This covers damage from windstorms, including hurricanes and tornadoes.
• Fire. Most Garland policies include damage from fire and lightning.

Receive white-glove service from your local agent when they research your options to find you the best coverage.