Question 1

How much does home insurance cost in Irving, Texas?

Accepted Answer

Home insurance in Irving typically ranges from $2,500 to $4,300 annually depending on your coverage limits and property type. For a home with $300,000 in dwelling coverage, expect to pay around $4,250 per year, while $200,000 in coverage averages about $2,576 annually. Las Colinas condo policies (HO-6) generally run $1,800 to $2,600 per year.

Question 2

Does home insurance in Irving cover hail damage?

Accepted Answer

Yes, standard homeowners policies in Irving include wind and hail coverage as part of your policy, unlike coastal Texas where separate windstorm insurance is required. However, your windstorm deductible may be higher than your standard deductible—often 1% to 2% of your dwelling coverage rather than a flat amount. Check your policy declarations page to understand your specific deductible for wind and hail claims.

Question 3

What type of insurance do I need for a Las Colinas condo?

Accepted Answer

Las Colinas condo owners need an HO-6 condo insurance policy, not a standard homeowners policy. An HO-6 policy covers your personal belongings, interior improvements and upgrades, your liability, and the gap between your unit's value and what the HOA master policy covers. The HOA's master policy covers the building structure, roof, and common areas, but not your personal property or interior renovations.

Question 4

Why have Texas home insurance rates increased so much?

Accepted Answer

Texas home insurance rates have surged 54.4% from 2019 to 2024 due to three main factors: severe weather losses totaling about $45 billion in 2024 alone, skyrocketing reinsurance costs for insurance carriers, and increased construction material and labor costs that make every claim more expensive to settle. North Texas hailstorms are particularly costly, with single roof replacements running $20,000 to $30,000.

Question 5

What should I do immediately after storm damage to my Irving home?

Accepted Answer

Call your insurance company immediately to report the damage and take extensive photos and videos before touching anything. Make temporary repairs to prevent further damage (like tarping a roof) and save all receipts—your policy should reimburse these costs. Do not throw away damaged items or make permanent repairs until your insurance adjuster has inspected and documented everything.

Question 6

How can I lower my home insurance premium in Irving?

Accepted Answer

The most effective ways to reduce your premium include bundling home and auto insurance (saves 15-25%), maintaining a newer roof and updated systems, installing security and fire alarm systems, choosing a higher deductible, improving your credit score, and shopping quotes from multiple carriers annually. Impact-resistant roofing materials can also qualify you for discounts, and maintaining a claims-free history keeps your rates lower.

Insurance Agents in Irving, Texas (TX)

Insurance agencies serving Irving

Acosta Insurance

Brightassure Insurance

Insurance Agents in Irving, Texas (TX)

Insurance agencies serving Irving

Acosta Insurance

Brightassure Insurance

CPR Insurance Group

Del Toro Insurance

Genesis Insurance Group

Mainstay Insurance Agency

National Insurance Consultants Inc

Nepa Insurance

Regal Tax & Insurance Services

Runners Insurance & Tax Services

Insurance Guides for Irving

Home Insurance in Irving

Car Insurance Costs in Irving

Irving Insurance Guide

Auto Insurance in Irving

Frequently asked questions