Get Haslet, TX Home Insurance Rates!

Are you moving to Haslet, TX? You will join the already 1,517 people that call this beautiful city home. Families in Haslet have a figured out how to save time and money by letting us shop the best Haslet home insurance rates and coverage options. For only $120.00 a month, you can find great coverage at an affordable price!

Haslet, TX City Information

Did you know that Haslet, TX has now reached over 1,517 in population size with 533 homes within the city of Haslet. The average family household in Haslet is reported to be around 454. With the local population increasing in Haslet, it's important to make sure your home has the home insurance coverage you need for your family. Please learn more about our homeowners insurance discounts to discover how you can save additional money on your home insurance premium to help make it more affordable for you. When you request free Haslet home insurance quotes from us, we will work with you to compare every possible carrier, coverage and discount available. To find additional savings on your new home policy, please review the article on: Setting Your Deductibles as High as Possible is a Moneysaver

Demographic	Values
Population	1,517
Total Occupied Households	533
Family Households (families)	454
Average Owner Occupied Household Size	2.84
Average Family Size	3.10
Total Housing Units	553

Haslet Homeowners Insurance is Very Affordable

Once you have purchased your home, you will need to protect it with a homeowners policy. Usually before closing, your loan provider will require you to purchase a homeowners policy. Lucky for you, Haslet is a very affordable town with an average home insurance cost of $2,000. Haslet, Texas is ranked 4 in the country for homeowners insurance rate prices.

You will need a certain type of homeowners policy when purchasing your new home. There are different policy types that are each designed for the specific type of housing that you may own. Here is a brief description of each of the different homeowner policy types that are available to you:

(HO-3): The most common of all homeowner insurance types is the HO-3 or "Homeowners Three" policy. The majority of homeowners in Haslet have most like purchased this type of standard or basic homeowners policy. It protects your home against every peril except ones that are excluded specifically in the policy. Perils may include fire, theft, liability.
It should be noted that all HO-3 policies exclude earthquake and flooding damage.
(HO-4): This type is called a renters insurance coverage type for renting a home, condo or apartment. This will cover the personal property in the home as well as offering liability coverage for you in the event that someone trips or fall and is otherwise injured in your apartment. This policy is for renters or tenants only, this does not cover you if you own the property and want to rent it, you will need a landlord policy for that type of coverage.
(HO-5): If you want to upgrade your HO-3 standard homeowners policy, this is the next level type of enhanced coverage. While more expensive than an HO-3 policy it also offers more coverage protection. These policies are not available on all homes, they are usually reserved for newer homes that fall in higher price brackets.

One of the major differences with this policy type is that your personal property is covered by all perils that are not named as exclusions. An HO-3 policy on the other hand only protects your personal property against a certain list of perils.

The majority of these policies also offer replacement value as standard coverage on personal property compared to fair market value which takes deprecation into account when calculating the value of your damaged or destroyed property.

Compare Homeowners Insurance Rates in Haslet, 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 Haslet

Are you looking for homeowners insurance in a city near Haslet? 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 Haslet, TX

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

76052,

Haslet, TX Home Insurance Average Premiums

Local Haslet, TX home insurance quotes comparison

$1187 /yr.

Shows Haslet's lowest average rates with discounts applied.

For the city of Haslet, 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)	$1187 /yr.
Average Coverage:	$1437 /yr.
2600 sq. ft. or higher (all discounts applied)	$1737 /yr.

What is the average home insurance cost for a home in Haslet, TX?

• The average homeowners insurance premium paid annually for a home in Haslet is around $1437 per year.

What does it cost on average per month for home insurance in Haslet, TX?

• Homeowners in Haslet pay an average cost per month around $120.00 for insurance coverage.

Haslet, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$601,911	$547,683
February	$599,019	$560,384
March	$598,630	$574,571
April	$599,013	$588,369

Homeowners insurance will help cover the cost to repair or replace your Haslet 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 Haslet
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 Haslet, TX homeowners insurance rates all in one place!

Saving Money Tips on Haslet Home Insurance

A great way to save money on Haslet 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 Haslet 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
804 ft.	This is the average home elevation in Haslet, 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 Haslet, 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 […]

Haslet, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Haslet 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 Haslet, TX?

- The average square footage in Haslet is around 2,129 Sq. Ft. which would cost you around $274,700 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $274,700

Location: Haslet, Texas (Tarrant County)

Average Building Cost Per Square Foot in Haslet: $129 (low end)

Average Square Footage in Haslet: 2,129 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$274,700
Some Additional Upgrades	$161	$343,375
Major Home Updates or Advancements	$194	$412,050

Calculate Your Haslet, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in Haslet, 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.