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Affordable Homeowners Insurance
in Irving, TX — Compare
Quotes from 50+ Carriers

Severe thunderstorms and hail can affect Irving homes, while flooding remains a concern for properties near local flood-prone areas and drainage systems. Irving also faces tornado and high-wind exposure during severe weather. We are an independent agency with 5+ years in Texas, access to multiple carriers, and multilingual agents ready to help. We compare coverage and pricing to help homeowners find dependable and affordable protection suited to their property, neighborhood, and budget.

Why Irving Homeowners Need Local Coverage

Irving properties can face different insurance considerations depending on their neighborhood, construction, age, roof condition, and proximity to flood-prone areas. Severe thunderstorms, hail, tornadoes, heavy rainfall, and aging home systems can all influence the type of protection a homeowner should consider. The City of Irving provides flood-zone resources because certain locations can have increased exposure to flooding, making property-specific evaluation important.

Local guidance can help homeowners evaluate dwelling limits, deductibles, roof coverage, water-related endorsements, liability protection, and other policy details based on their property's characteristics. As an independent agency, A-State Insurance can compare options from multiple carriers rather than restricting you to one company's policy. This gives Irving homeowners more flexibility when reviewing coverage, pricing, deductibles, and available endorsements.

Neighborhoods We Serve in Irving, TX

Arts District
Austin Heights
Barrington Court
Barton Estates
Bear Creek
Beverly Oaks
Broadmoor Hills
Campion Hollows
Cardinal Family Village
Cartwright
Central Irving
Colonial Terrace
Cottonwood Valley
Country Club Place
Del Paseo
Espanita
Fairway Vista
Falcon
Fox Glen
Freeway Park
Garden Oaks
Glen Cove Village
Grauwyler Heights
Hackberry Creek
Harbor Trail
Heritage District
High Point Estates
Hillcrest Oaks
Hospital District
Irving Heights
Irving Lake
Lakeside Landing
Lamar Brown
Las Brisas Hills
Las Colinas
Lomas Estates
Mandolin Collection
Meadowbrook
Nichols Park
Nimitz Area
North Irving
Northgate Heights
Northwest Park
Oakland Heights
Oakwood
Owen Point
Pecan Estates
Plymouth Park
Quail Run
Riverside Village
Rolling Ridge
Sherwood Forest
Song
South Irving
Southridge
Stone Tree
Towne Lake
Trinity Oaks
University Hills
University Park
Valley Ranch
Versailles Villas
Villas of Escena
Windsor Ridge

What Does Homeowners Insurance Cover in Irving, TX?

Homeowners insurance can protect your Irving home and finances against covered losses such as hail, wind, fire, theft, and certain other listed perils. Coverage may include the dwelling, detached structures, personal liability, medical payments to guests, and additional living expenses when covered damage makes your home temporarily unlivable. Optional endorsements can provide added protection for risks such as sewer backup, ordinance or law costs, extended replacement expenses, and identity theft.

Dwelling Coverage

Helps pay to repair or rebuild your home's main structure after covered losses such as hail, wind, fire, or other listed events, subject to policy limits, deductibles, exclusions, and terms.

Other Structures Coverage

Helps cover eligible damage to detached structures such as garages, sheds, fences, and other buildings after covered losses, subject to your policy limits, deductible, exclusions, and coverage terms.

Personal Property Coverage

Helps repair or replace eligible belongings damaged, destroyed, or stolen after a covered event. Furniture, electronics, and appliances may qualify, subject to applicable limits and deductibles.

Liability Protection

Helps protect you financially if you are legally responsible for covered injuries to others or property damage. It may help with eligible legal costs, settlements, or judgments within policy limits.

Loss of Use / Additional Living Expenses

Helps pay necessary extra living expenses when covered damage makes your home temporarily unlivable. Eligible costs may include temporary housing, meals, and other reasonable expenses during repairs.

Medical Payments to Others

Can help pay reasonable medical expenses when a guest is accidentally injured on your property. Coverage is subject to policy limits and terms and may apply even when you are not legally responsible.

Sewer & Water Backup Coverage

Can help cover eligible damage when water backs up through a sewer or drain or overflows from a sump pump. This protection often requires an endorsement because standard policies may exclude it.

Ordinance or Law Coverage

Helps cover certain additional repair or rebuilding costs required by current building codes after a covered loss. This protection can be useful for older homes requiring code-related upgrades.

Extended Replacement Cost Coverage

May provide additional funds when rebuilding a covered home costs more than its dwelling limit after a covered loss. Availability, eligibility, limits, and conditions vary by insurer and policy.

Identity Theft Protection

May provide identity restoration assistance and limited reimbursement for expenses after identity theft. Depending on the carrier, services may include monitoring and help resolving affected accounts.

What Does Homeowners Insurance NOT Cover in Irving, TX?

Standard homeowners insurance generally excludes or limits losses from flood, earthquake, normal wear and tear, neglect, pest infestations, mold in certain circumstances, intentional damage, and business-related risks. Sewer or drain backup may also be excluded unless the appropriate endorsement is added. War and nuclear hazards are excluded as well. Coverage varies by policy, so homeowners should review exclusions, limits, endorsements, and insurer-specific terms before choosing protection.

Flood Damage

Standard homeowners policies exclude damage caused by rising or accumulating floodwater. Homeowners with flood exposure may need a separate flood policy for eligible property and belongings protection.

Earthquake Damage

Earthquake-related ground movement and resulting damage are excluded from standard policies. Separate earthquake coverage may be available for homeowners seeking protection against seismic losses.

Sewer & Drain Backup (if not endorsed)

Water backing up through a sewer or drain may not be covered unless the appropriate endorsement is added. Review exclusions, limits, and endorsement options before assuming this damage is protected.

Mold & Fungus Damage

Mold or fungus damage may be excluded or limited depending on its cause and policy terms. Sudden covered water damage may receive different treatment than long-term moisture or maintenance issues.

Wear, Tear & Neglect

Normal deterioration, aging, poor maintenance, and neglect are not covered causes of loss. Homeowners are responsible for maintaining property and addressing problems before they become larger issues.

Pest & Vermin Damage

Damage from termites, rodents, insects, and other pests is excluded because infestations are considered maintenance issues. Regular inspections and timely pest control can help prevent costly damage.

Business Use of the Home

Standard insurance provides limited protection for incidental business property, but regular business activities need additional coverage. Equipment and business liability require separate protection.

Acts of War

Damage caused by war, military action, or similar hostile activities is excluded from standard insurance. Residential policies are for ordinary covered property risks rather than losses by armed conflict.

Nuclear Hazard

Damage deliberately caused by the policyholder or another person may not be covered. Homeowners insurance is designed to cover accidental losses, not property damage that is intentionally caused.

Intentional Damage

Damage deliberately caused by the policyholder or another person may not be covered. Homeowners insurance is designed to cover accidental losses, not property damage that is intentionally caused.

Irving-Specific Risks That Affect Your Policy

Flood Zone Exposure

Flood exposure can affect whether you need separate flood insurance because standard homeowners policies generally exclude flood damage. Your property's location, drainage, elevation, and proximity to flood-prone areas can influence the coverage you should consider. FEMA's flood maps can help identify mapped hazards when evaluating whether additional protection, suitable limits, or a separate flood policy may be appropriate. Lenders may also require flood insurance for properties in certain high-risk areas.

Hail & Roof Age

Hail risk and roof age can directly influence premiums, deductibles, coverage availability, and claim settlement. Older roofs or those showing significant wear may receive limited coverage or require repairs before some insurers offer a policy. Roof materials and condition can also affect how carriers assess storm-related losses. Texas Department of Insurance information on replacing your roof provides useful context when considering roof condition as part of your homeowners insurance decisions and coverage needs.

Wind/Hurricane Deductibles

Wind exposure can affect your policy's deductible, premium, exclusions, and available coverage, particularly when strong storms create risks of roof, siding, window, or structural damage. While Irving is inland and does not face the same coastal hurricane exposure as Texas shoreline communities, wind-related losses remain relevant when selecting coverage. Texas Department of Insurance guidance on windstorm insurance can help clarify how wind protection works and what factors to consider when comparing policy options.

Foundation & Soil Movement

Foundation and soil conditions can influence underwriting because gradual settling, shifting, cracking, or earth movement may be excluded from standard homeowners insurance. Properties with signs of foundation stress may receive closer underwriting attention, inspection requests, or specific coverage conditions. Texas soil characteristics can contribute to foundation movement, making property conditions important when selecting coverage and limits. Information about Texas soil and foundation problems provides context for understanding why these conditions can affect insurance decisions.

Aging Infrastructure (older neighborhoods)

Older homes may have aging plumbing, electrical systems, roofs, foundations, or HVAC components that increase the likelihood of property damage and claims. Insurers may consider the age and condition of these systems when determining premiums, eligibility, inspection requirements, or coverage conditions. Older infrastructure can also influence whether repairs or updates are recommended before securing coverage. Research discussing aging infrastructure and residential property risks highlights why property age and system condition can matter when evaluating insurance risk.

Home Insurance Costs in Irving, TX

Home insurance costs in Irving vary based on your home's value, location, construction, roof age, claims history, coverage limits, deductible, and insurer. Current estimates place the average annual premium around $2,711, although actual rates can vary significantly by property and insurance policy. Comparing quotes from multiple carriers can help you find suitable coverage, understand discounts, and secure competitive pricing.

Average Annual Rate in Irving

Homeowners insurance in Irving averages about $2,711 annually according to current data. Your actual rate can differ based on dwelling value, property location, roof age, claims history, coverage limits, deductible, construction characteristics, and insurer. Comparing multiple carriers can help you balance the protection you need with a premium that fits your budget.

Insurance CompanyAverage Annual Premium
Texas Farmers$256
Liberty Mutual$2,865
ASI Lloyds$2,903
State Farm$3,138
United$3,176

Source: The Zebra

Last Updated: August 2026

Disclaimer: The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

Average Cost of Home Insurance in Irving’s Largest ZIP Codes

Home insurance pricing can differ between Irving ZIP codes because insurers evaluate location-specific claims, property characteristics, emergency-service access, and other risk factors. The figures below provide a comparison of selected Irving ZIP codes, but your actual cost of premium depends on your individual property and policy selections.

ZIP CodeNeighborhoodAverage Annual Cost
75063Valley Ranch$3,524
75038Las Colinas$3,566
75039Urban Center$3,570
75060South Irving$3,687
75062Cottonwood$3,630
75061Heritage District$3,598

Source: The Zebra

Last Updated: August 2026

Disclaimer: The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

How Irving Rates Compare to the Texas State Average

Irving homeowners may pay more or less than the statewide Texas average depending on their property and coverage. The current Texas data places the statewide average at about $2,470 annually, while its Irving data shows approximately $2,711 annually. Local storm exposure, property values, and selected coverage can all affect the difference between individual premiums.

IrvingTexas AverageNational Average
$300/mo$387/mo$201/mo

What Affects Your Homeowners Insurance Rate in Irving, TX?

Several property and insurance policy characteristics can influence what you pay for homeowners insurance in Irving. Insurers may consider the home's age, construction, replacement cost, roof condition, claims history, ZIP code, deductible, and available protection. Credit-based insurance information may also affect rates where permitted. Security improvements, bundling, newer roofing, and claims-free histories can sometimes help qualify for lower premiums or discounts.

  • Home Age
  • Roof Age & Material
  • Construction Type
  • Claims History
  • Credit-Based Insurance Score
  • Distance to Fire Station/Hydrant
  • Home Security Features
  • Prior Flood Claims on Property
  • ZIP Code Risk Tier
  • Dwelling Value
  • Deductible Choice
  • Bundling Status

Discounts Available to Irving Homeowners

Irving homeowners may have access to discounts that reduce premiums without removing essential coverage. Savings opportunities can include combining home and auto policies, maintaining a claims-free record, installing qualifying security equipment, replacing an older roof, and selecting paperless billing or automatic payments. Availability varies by carrier, and some insurers may provide additional savings for newer homes, gated communities, impact-resistant features, or qualifying affiliations.

  • Multi-Policy Bundle Discount
  • New Roof Discount
  • Security System Discount
  • Claims-Free Discount
  • New Home Discount
  • Gated Community Discount
  • Storm Shutters/Impact Windows Discount
  • Senior/Retiree Discount
  • Non-Smoker Household Discount
  • Loyalty/Renewal Discount
  • Affiliation/Professional Group Discount
  • Paperless/Autopay Discount

Independent Agency vs. Captive Agent in Irving, TX

FeatureIndependent Agency (A-State)Captive Agent
Number of CarriersMultiple — shops 10+ carriers for youOne — locked into a single company
Price ComparisonCompares rates across multiple carriers to find the lowestCan only offer one company's rate
Coverage OptionsBroader selection of coverage types and limitsLimited to what one carrier offers
High-Risk DriversAccess to non-standard and specialty marketsMay decline high-risk applicants entirely
SR-22 FilingCan shop multiple carriers for best SR-22 rateLimited SR-22 options through one carrier
Loyalty to YouWorks for the client — not the insurance companyWorks for the insurance company
Rate Shopping at RenewalRe-shops your rate every renewal across all carriersLocked into same carrier at renewal
Claims AdvocacyAdvocates on your behalf during claimsRepresents the insurance company's interests
Policy CustomizationTailors coverage across multiple carrier optionsLimited to one carrier's policy structure
Switching CarriersCan switch you to a better carrier without changing agentsMust find a new agent to switch carriers
Local KnowledgeTexas-based agents with local market expertiseMay be national agents with no local context

Types of Homeowners Coverage We Offer in Irving, TX

Standard Homeowners Insurance

Protects your home, belongings, and finances against covered risks such as fire, theft, wind, and liability claims. Options may also help with temporary living expenses after covered property damage.

Condo Insurance

Helps protect your condo unit, personal belongings, improvements, and finances against covered damage, theft, and claims. It can complement your association’s master policy and address coverage gaps.

Landlord Insurance

Helps rental property owners protect eligible buildings and financial interests against covered property damage and liability claims. Coverage can be tailored to the property's use and rental needs.

Manufactured / Mobile Home Insurance

Helps protect manufactured or mobile homes, personal belongings, and liability interests against covered risks. Policy options can be tailored to the home's features, value, and specific coverage needs.

Flood Insurance

Provides separate protection for eligible flood-related losses that standard homeowners policies exclude. Coverage pays for covered damage to your home's structure and personal belongings after flooding.

Earthquake Insurance

Provides protection for eligible losses caused by earthquake-related damage, which standard homeowners policies may exclude. Separate coverage can protect your home and belongings against seismic events.

Renters Insurance

Helps renters protect belongings and finances against covered losses. Coverage may also include personal liability protection and living expenses when a covered event makes the rental temporarily unlivable.

Frequently Asked Questions About Homeowners Insurance in Irving, TX

The average cost is about $3,596 per year in Irving, but your premium may differ based on your home’s value, location, roof age, claims history, deductible, coverage limits, construction, and chosen insurance carrier.

Homeowners insurance quote visual

Get a Homeowners Insurance Quote in Irving, TX

Getting a homeowners insurance quote in Irving is simple. Select the coverage type that matches your needs, enter your full name and phone number, and submit the form. An A-State Insurance agent will review your information, compare coverage and rates from multiple carriers, and help you find a policy suited to your Irving home, property risks, and budget. Request your quote today to explore affordable home insurance options and choose the right protection with confidence and peace of mind.

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