Updated: December 15, 2024
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In Denton, TX, Chubb is both the overall best and most affordable choice for home insurance. If you prioritize customer service, however, Amica is the top option.
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 HomeInsuranceDenton, TXTable of Contents
Why Trust MoneyGeek? We analyzed data from the Texas Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Denton. Our recommendations are based on robust data and industry benchmarks.
In Denton, the rates for home insurance represent the most competitive estimates available in September 2024.
MoneyGeek found that Chubb is the best option in Denton, TX, for home insurance with 100K dwelling coverage, scoring 96 out of 100.
The scores for home insurance companies in Denton 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 | $2,073 |
| Amica | 94 | $2,668 |
| Farmers | 86 | $2,122 |
| State Farm | 83 | $3,347 |
| Nationwide | 81 | $4,194 |
| IAT Insurance Group | 60 | $3,992 |
| ASI | 44 | $8,909 |
MoneyGeek found that Chubb is the best option for home insurance in Denton, TX, for $100K dwelling coverage. The two best overall home insurance companies in Denton for $100K dwelling coverage are:
Chubb stands out as the best home insurance provider because it balances cost, customer satisfaction and coverage effectively.
Denton, TX, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.
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 Denton, TX, for $100K dwelling coverage, thanks to its outstanding customer service. Here are the top two providers:
Amica is rated the highest for its excellent customer satisfaction. The company is well-regarded for its support and attention to homeowners' needs. Choosing Amica ensures quality service and a care-centric approach to your insurance requirements. Excellent service in home insurance means reliable support, fast claim processing and understanding your needs.
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 home insurance company in Denton, TX, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
Chubb stands out for its high customer satisfaction score, proving to be a reliable choice for residents seeking quality service. Although cheap home insurance means lower charges, ensuring enough coverage is also crucial. In instances where saving on premiums is a priority, considering the most affordable homeowners insurance companies may be beneficial.
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
Quite a few factors affect homeowners insurance in Denton. Location is one key factor. Comparing rates can help you save, but it may take over an hour, with each company taking about 15 minutes. Use MoneyGeek's home insurance calculator to save instantly. Enter your age, dwelling coverage, credit score, deductible and liability coverage for a rate estimate.
Chubb offers the most affordable home insurance in Denton, TX. The following companies offer the lowest annual premiums in their respective dwelling coverage categories:
Chubb is the cheapest homeowners insurance because of its low cost combined with the highest score. Though Farmers is more expensive, its higher score makes it the best in its category for both $250K and $500K dwelling coverage. The main element affecting your home insurance costs is the dwelling coverage you select.
Opting for the cheapest homeowners insurance in Texas can significantly help in managing your finances effectively.
| Chubb | $2,073 |
| Farmers | $2,122 |
| Amica | $2,668 |
| State Farm | $3,347 |
| IAT Insurance Group | $3,992 |
| Nationwide | $4,194 |
| ASI | $8,909 |
Farmers is the best option in Denton, TX, for homes needing high dwelling coverage. High coverage is essential home insurance costs to protect homes that are more expensive to replace, leading to increased insurance 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 | $5,618 |
| State Farm | $11,459 |
| Chubb | $12,872 |
| Amica | $15,627 |
| Nationwide | $17,363 |
| IAT Insurance Group | $17,757 |
| ASI | $43,091 |
Nationwide offers the cheapest home insurance for new homes requiring $100K in dwelling coverage in Denton, Texas.
Nationwide stands out for its low cost in Denton, making it ideal for new homes at the $100K coverage level. However, having the lowest rates may not equal the best service quality. When securing home insurance, ensuring adequate coverage for your property is essential.
| Nationwide | $891 |
| Farmers | $1,415 |
| Chubb | $1,473 |
| State Farm | $1,509 |
| IAT Insurance Group | $1,852 |
| Amica | $1,854 |
| ASI | $2,838 |
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 serving Denton. Look for those with strong financial stability, good customer reviews and a track record of quality service.
Once you know what coverages you need, compare home insurance quotes. For a $100K dwelling in Denton, Texas, premiums range from $2,073 to $3,992 annually.
Inquire with each provider about potential discounts you may qualify for, like bundling policies or installing safety features.
Opting for a higher home insurance deductible can reduce your premium, but it's important to ensure the deductible is affordable in case of a claim.
Enhancing your home's security with systems and strong locks can lower its risk profile and potentially decrease insurance costs.
Keeping a good credit score can affect your insurance rates in Denton, Texas. Pay bills on time and reduce outstanding debt.
Consider combining your homeowners insurance with other policies like auto insurance to achieve significant savings.
The best cheap home insurance provider for you in Denton 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 Denton, Texas.
The average home insurance cost in Denton, Texas, is $2,209.
The cheapest home insurance company in Denton, Texas, is Chubb with an annual premium of $2,073.
The best home insurance in Texas for Denton 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.
