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75101 Home Insurance Rates

Getting multiple homeowners insurance rates in 75101 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Bardwell, TX. Many homeowners based out of the 75101 zip code have found it very easy to shop with The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Texas licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 75101 should appear in the zip code field ready to go. For Bardwell, TX Home Insurance Quotes, Click to easily get started!

75101 Homeowners Insurance Rates, Average Rating: Very High!

Your homeowners insurance policy in 75101 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Bardwell. For a basic HO-3, standard homeowners policy, the average premium per year in Texas is around $1522. By shopping your home insurance with us at, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 75101 zip code today and let us help you save time and money on your homeowners insurance premium.

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75101 Home Insurance Average Premiums

Local 75101 homeowners insurance quotes comparison

$1272 /yr.

Shows Zip Code: 75101 lowest rates with discounts applied on average.

For the 75101, 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)
$1272 /yr.
Average Coverage:$1522 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1822 /yr.

What is the average home insurance cost for a home in 75101?

  • • The average homeowners insurance premium paid annually for a home in 75101 is around $1522 per year.

What does it cost on average per month for home insurance in 75101?

  • • Homeowners in 75101 pay a monthly average cost per month around $127.00.

What kind of discount could I get if I combine my home and auto insurance together in 75101?

  • • Autoowners in 75101 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Bardwell area, check out other zip codes nearby 75101.
Review average rates in another zip code:
75101 homeowners insurance rates

Home Replacement Cost Coverage in 75101

Average Building Cost Per Square Foot in 75101: $129

Location: Bardwell, Texas (Ellis County)

Average Square Footage in 75101: 597 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 75101 before you start any project. Bardwell homeowners pay on average around $129 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 75101 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 75101 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 597 sq. ft. and the average cost to rebuild the home in this area is around $129 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Bardwell area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$129597$77,000
Additional Upgrades & Added Features$161597$96,250
Major Home Updates or Advancements$194597$115,500

It's important to understand that when you estimate your replacement cost of your home in the 75101 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 75101

Best Home & Auto Insurance Agencies in 75101

Housing Demographics for 75101

Population Review for 75101 Zip Code

For the city of Bardwell, the population within 75101 has increased to over 0 residents in population size. The current population total is 633. We have broken down the population based on race below. In 75101, there are over 311 in male population and 322 females.

Total Population633
White Population278
Black Population84
Hispanic Population335
Asian Population0
Hawaiian Population0
Indian Population3
Other Population151
Male Population311
Female Population322
Population Estimate0

Household Data for 75101

The average number of homes in 75101 is around 192, there are an average of 3.30 per household. The average house value according to local real estate values is around $77,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode192
Persons Per Household3.30
Average House Value$77,000
Income Per Household$46571
Median Age32.0
Median Age Male31.5
Median Age Female32.5
75101 DetailsValues
State Full NameTexas
City TypeZ
City Alias Abbreviation
Area Code469/214/972/945
City Alias NameBARDWELL
County FIPS139
State FIPS48
Time Zone6
Day Light SavingY
CBSA_NameDallas-Fort Worth-Arlington, TX
MSA_NameDallas-Fort Worth, TX CMSA
PMSA_NameDallas, TX PMSA
DivisionWest South Central
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees50
Business First Quarter Payroll491
Business Annual Payroll2367
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population6371773
CBSA Division Population4230520
Congressional District06
Congressional LandArea2148.41
Delivery Residential0
Delivery Business0
Delivery Total226
Preferred Last Line KeyW22849
Classification CodeP
CSA NameDallas-Fort Worth, TX-OK
CBSA_DIV_NameDallas-Plano-Irving, TX
City State KeyW22849
Land Area0.826000
Water Area0.000000
City Alias Code
City Mixed CaseBardwell
City Alias Mixed CaseBardwell
Box Count212
State ANSI48
County ANSI139
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number480525
Unique ZIP Name
SSA State County Code45470
Medicare CBSA Code19124
Medicare CBSA NameDallas-Plano-Irving, TX
Medicare CBSA TypeMetro
Market Rating Area ID8
County Mixed CaseEllis

Texas Homeowners Insurance News & Information

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    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, 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 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 […]

  • Wind & Hail Home Insurance Coverage Guide Posted on Monday 13th September, 2021

    Home in Panama City, Florida suffers from wind and hail damage in 2018. This damaged house is from hurricane Michael. Hailstorms can do a tremendous amount of damage to your house and roof in very short amount of time and if you are not properly insured you could end up having to cover the cost […]

  • Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

    Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]