North Richland Hills, TX Home Insurance Quotes!

Did you know North Richland Hills, TX homeowners are now finding easier ways to compare home insurance rates online. At GetHomeInsuranceQuotes.com, we provide superior serice when it comes to taking care of your insurance needs. Our online quoting application process has been trusted by thousands of homeowners like you who want a quick way to review and compare rates without any hassle. Our Texas licensed homeowners insurance professionals are here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 different carriers that are all highly rated by A.M Best and we shop the policy with you so you know which North Richland Hills insurance policy is best for you. Start your quote today by entering your North Richland Hills zip code for the home you would like to insure!

Facts About North Richland Hills Texas

The city of North Richland Hills Texas currently has 63,343 residents that call it home. This number translates into 12,657 households in the area and each household has about 3 people. The median household income is $70,875, which is very close to the national median and home prices in North Richland Hills average $200,050 making it a very affordable city to buy a house.

Homeowners Insurance Rates in North Richland Hills

Average North Richland Hills home insurance rates is around $1512 per year, for homes smaller than 1,800 square feet in replacement cost value coverage you could see rates as low as $1262 /yr. with discounts applied. For up scale homes this area over 1,800 sq. ft in North Richland Hills, you may see higher rates in the $1812 range due to much higher dwelling coverage.

When it comes to homeowners insurance there are a number of different types that are designed to cover the specific type of housing you call home. The following insurance types are available in North Richland Hills and across the country:

HO-3: A HO-3 policy is the most common type of homeowners insurance being written today. It offers coverage for all perils, excepting those that are specifically named in the policy as exclusions. Most policies for the city of North Richland Hills have a number of exclusions but the most common ones are flooding and earthquake damage.
HO-5: The HO-5 is considered a premium policy and offers broader coverage than the HO-3. It covers your home, other structures, loss of use and your personal belongings as an “all perils” policy, which means that you are covered from everything except exclusions listed in the policy. The big difference is that all of your personal property is covered under the all perils coverage while a HO-3 limits property damage coverage to specially named perils. HO-5 policies can be significantly more expensive.
H0-6: This type of policy is specifically written to cover people who live in a condo or a co-op building. This policy type will protect your belongings as well as any structural components of the building that you actually own. The walls of your condo or apartment are examples. HO-6 policies are listed perils policies which means they only cover the perils listed on the policy.

North Richland Hills, TX Housing Demographics

The city of North Richland Hills in Texas is roughly around 63,343 residents in population size with 24854 occupied homes within the city of North Richland Hills. The average family household in North Richland Hills is 17291.

Demographic	Values
Population	63,343
Total Occupied Households	24854
Family Households (families)	17291
Average Owner Occupied Household Size	2.68
Average Family Size	3.03
Total Housing Units	26395

Compare Homeowners Insurance Rates in North Richland Hills, TX!

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About Our Service in Texas

We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!

Average Rates Nearby North Richland Hills

Are you looking for homeowners insurance in a city near North Richland Hills? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in North Richland Hills, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in North Richland Hills.

76180, 76182,

North Richland Hills, TX Home Insurance Average Premiums

Local North Richland Hills, TX home insurance quotes comparison

$1262 /yr.

Shows North Richland Hills's lowest average rates with discounts applied.

For the city of North Richland Hills, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$1262 /yr.
Average Coverage:	$1512 /yr.
2600 sq. ft. or higher (all discounts applied)	$1812 /yr.

What is the average home insurance cost for a home in North Richland Hills, TX?

• The average homeowners insurance premium paid annually for a home in North Richland Hills is around $1512 per year.

What does it cost on average per month for home insurance in North Richland Hills, TX?

• Homeowners in North Richland Hills pay an average cost per month around $126.00 for insurance coverage.

North Richland Hills, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$368,496	$341,507
February	$366,656	$348,126
March	$366,209	$355,522
April	$366,545	$361,994

Homeowners insurance will help cover the cost to repair or replace your North Richland Hills home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in North Richland Hills
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive North Richland Hills, TX homeowners insurance rates all in one place!

Saving Money Tips on North Richland Hills Home Insurance

A great way to save money on North Richland Hills homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the North Richland Hills area? Check out what homeowners are paying on average for Texas homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
656 ft.	This is the average home elevation in North Richland Hills, TX	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Texas flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in North Richland Hills, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Tarrant County.

Texas Homeowners Insurance News & Information

Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]
2024 Average Homeowners Insurance Rate at $2,777 per year Posted on Tuesday 20th February, 2024
A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]
9% Predicted Jump in Home Insurance Rates in 2023 Posted on Tuesday 25th April, 2023
According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]
Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022
Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]
Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022
Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report, homeowners […]

North Richland Hills, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in North Richland Hills so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in North Richland Hills, TX?

- The average square footage in North Richland Hills is around 1,551 Sq. Ft. which would cost you around $200,050 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $200,050

Location: North Richland Hills, Texas (Tarrant County)

Average Building Cost Per Square Foot in North Richland Hills: $129 (low end)

Average Square Footage in North Richland Hills: 1,551 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$200,050
Some Additional Upgrades	$161	$250,063
Major Home Updates or Advancements	$194	$300,075

Calculate Your North Richland Hills, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in North Richland Hills, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.