Updated: December 15, 2024
Advertising & Editorial Disclosure
In Carrollton, TX, Chubb is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Amica is best.
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceCarrollton, TXTable of Contents
Why Trust MoneyGeek? We used data from Texas's Department of Insurance and Quadrant Information Services. Our recommendations for the top homeowners insurance in Carrollton are supported by data and industry standards.
Home insurance premiums in Carrollton represent the most competitive rates as of September 2024.
MoneyGeek found that Chubb is the best option in Carrollton, TX, with a MoneyGeek score of 96 out of 100 for $100K dwelling coverage.
he scores for home insurance companies in Carrollton range from 44 to 96. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Chubb | 96 | $2,201 |
| Amica | 94 | $2,617 |
| State Farm | 86 | $2,934 |
| Farmers | 85 | $2,332 |
| Nationwide | 82 | $3,893 |
| IAT Insurance Group | 60 | $3,880 |
| ASI | 44 | $8,234 |
MoneyGeek found that Chubb is the best option for $100K dwelling coverage in Carrollton, TX. The two best overall home insurance companies in Carrollton for $100K dwelling coverage are:
Chubb stands out as the best home insurance provider due to its strong affordability and high customer satisfaction ratings.
Various companies with differing costs and services exist in Carrollton, TX. Cost plays a key role, but factors like customer service and claim handling are also important, as these become critical when filing claims.
Chubb is the best overall company with high scores in affordability and customer satisfaction. It offers valuable coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement allows you to receive a payout if you choose not to rebuild. These options provide flexibility and protection for homeowners.
Chubb also provides discounts such as new home and home renovation, helping homeowners save money.
MoneyGeek found that Amica is the best option in Carrollton, TX, for home insurance with $100K dwelling coverage. Here are the top two providers for this coverage:
Amica ranks highest due to its impressive customer satisfaction, making it the preferred choice for homeowners seeking reliable service. Excellent home insurance service means you feel understood and prioritized by your insurance provider.
Amica scores high on MoneyGeek due to its great customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and back-up of sewer or drain. You can save with discounts like continuously insured and bundle. Stay with Amica for over two years to qualify for the continuously insured discount.
Amica provides useful coverages like home business property, which protects business items at home, and loss assessment, which covers shared property in condos. Scheduled personal property helps replace valuable items like jewelry if lost or stolen.
MoneyGeek found that Chubb is the best cheap option in Carrollton, TX, for $100K dwelling coverage. The top two best cheap insurance providers for 100K dwelling coverage are:
Chubb stands out due to its high affordability score and good coverage options. However, cheap home insurance often means opting for lower coverage, which can help your wallet but might not be enough if something bad happens. In situations where saving on premiums is key, considering the cheapest homeowner insurance companies may be helpful.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Chubb is the best cheap company with high scores in affordability and satisfaction. Its coverages include guaranteed replacement cost, which helps rebuild your home even if costs exceed limits. Building ordinance or law coverage brings your home up to code after damage. Cash settlement lets you choose a cash payout instead of rebuilding, offering flexibility.
You can save with discounts like new Home, which applies to homes 10 years old or less, and home renovation, which applies to homes updated in the last 6 years.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Many factors influence homeowners insurance in Carrollton, with location being a key factor. Comparing rates is the best way to save, though it may take over an hour to compare three or more companies. Use MoneyGeek's home insurance calculator to save time. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other factors for a quick rate estimate.
Chubb is the best option in Carrollton, TX, for affordable home insurance with a $1OOK dwelling coverage. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Chubb stands out in Carrollton, TX, for its affordability and top MoneyGeek score. Farmers provides great value for $250K and $500K coverage. Choosing the right amount of dwelling coverage is essential as it significantly affects the insurance premium.
Securing the cheapest homeowners insurance in Texas can be a smart strategy to handle personal finances better.
| Chubb | $2,201 |
| Farmers | $2,332 |
| Amica | $2,617 |
| State Farm | $2,934 |
| IAT Insurance Group | $3,880 |
| Nationwide | $3,893 |
| ASI | $8,234 |
Farmers offers the cheapest home insurance in Carrollton, TX, for high-value homes, with a dwelling coverage of $750K. High dwelling coverage is crucial as it reflects the cost to replace expensive homes, and home insurance costs increase with this coverage.
Farmers stands out as the most affordable home insurance choice in Carrollton based on costs. While cost is essential, the insurer also receives a high rating from MoneyGeek, suggesting that being the least expensive doesn't mean compromising quality.
| Farmers | $6,448 |
| State Farm | $10,051 |
| Chubb | $13,681 |
| Amica | $15,450 |
| Nationwide | $16,208 |
| IAT Insurance Group | $17,307 |
| ASI | $40,053 |
Nationwide is the most affordable option for new homes in Carrollton, TX, requiring $100K in dwelling coverage.
The low cost makes it stand out as the most affordable option for homeowners in Carrollton. Although it excels in affordability, it’s important to note that affordability does not always mean it’s the best choice overall.
In addition to choosing a low-cost option, make sure you are adequately covered.
| Nationwide | $868 |
| State Farm | $1,323 |
| Farmers | $1,550 |
| Chubb | $1,560 |
| IAT Insurance Group | $1,792 |
| Amica | $1,806 |
| ASI | $2,623 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To figure out how much home insurance you need, consider the specifics of your home — take into account the rebuilding costs, the value of your personal property and your liability needs.
Research insurance companies operating in Carrollton. Look for those with strong financial stability, good customer reviews and a track record of quality service.
Once your coverage needs are clear, compare home insurance quotes. In Carrollton, Texas, premiums for $100K dwelling coverage range from $2,201 with Chubb to $3,880 with IAT Insurance Group.
Inquire with each provider about possible discounts. These may include savings for bundling policies, having security systems or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can handle financially if a claim arises.
Enhancing home security with alarms and secure locks can decrease your home's risk profile, potentially lowering your insurance costs.
A strong credit score can influence your insurance rates in Carrollton. Pay bills promptly and minimize debt to keep your score high.
Consider combining your homeowners insurance with other policies, such as auto insurance, for potential discounts and savings.
The best cheap home insurance provider for you in Carrollton ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Carrollton, Texas.
The average home insurance premium in Carrollton, Texas, is $2,145.
The cheapest home insurance company in Carrollton, Texas, is Chubb with an annual premium of $2,201.
The best home insurance in Texas for Carrollton residents is provided by Chubb, with a MoneyGeek score of 96 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
