Compare homeowners insurance quotes in Arlington, TX with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Arlington, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$304,700) | $1,929 | $1,215 |
| $300,000 dwelling | $1,917 | $1,208 |
| $600,000 dwelling | $2,697 | $1,699 |
| $1,000,000 dwelling | $3,510 | $2,211 |
The typical homeowners insurance premium in Arlington, TX is about $1,929 annually for a typical local home (typical local home value about $304,700). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 37% lower — near $1,215 per year for a typical home, roughly $1,208 for a $300,000 home, about $1,699 for a $600,000 home, and around $2,211 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Arlington dwelling curve (typical local home value about $304,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Arlington, TX, using a typical local home value of about $304,700. Freedom figures apply an approximate 37% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Arlington, TX different
About 388,125 people live in Arlington in Tarrant County, part of the Dallas–Fort Worth metroplex.
Arlington is located in the Dallas–Fort Worth metroplex, and there routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is largely single-family homes typical of the Dallas–Fort Worth metroplex, and replacement cost, roof age, and construction type still explain most premium differences block by block.
Insurers in North Texas commonly factor in severe thunderstorms, hail, and tornado risk typical of the Plains.
Premium drivers for homeowners in Arlington
Carriers price an Arlington homeowners quote from several overlapping factors. Most of the price comes from rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Rebuilding your house in comparable materials at today’s labor and supply prices defines what replacement cost measures. Bigger rebuild figures for Arlington properties tend to raise premiums since the carrier’s maximum payout rises with that figure.
Construction type and roof details also move the price: insurers ask whether walls are frame or masonry, the roofing material, and the overall build quality, because those details affect performance in the wind, hail, and fire seen across Texas.
Similar Arlington houses with close rebuild estimates may still get different quotes thanks to location risk: scores for storms, hail, wildfire, and crime that vary by ZIP code and neighborhood.
A better fire protection score based on the protection class and nearby hydrants and stations often makes pricing more competitive.
Recent claims on the house or by anyone in the household may lift premiums on Arlington renewals and new quotes alike, because claims history still weighs heavily.
Many insurers weigh a credit-based insurance score where permitted; a better score usually means a lower premium.
Ways to cut the premium in Arlington, TX
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth depend on the carrier. Treat “up to” as the maximum, not a guarantee.
Homeowners coverage basics
- Dwelling (Coverage A): When a covered loss hits, this limit covers rebuilding your home’s structure; keep it in line with today’s local rebuild costs.
- Other structures (Coverage B): This part protects detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
- Personal property (C): Furniture, clothing, and the other things you own inside the house are protected, but some higher-value categories carry special sublimits.
- Coverage D, loss of use: While a covered loss keeps you out of the home, this coverage helps with the extra living costs.
- Coverage E, personal liability: Protection when the law holds you responsible for another person’s injury or property damage arising from a covered event.
- Medical payments (Coverage F): If a visitor is injured at your home, this can pay medical bills, frequently with no formal liability claim.
Arlington, TX home and auto bundling
The amounts shown illustrate average bundle savings, not a guaranteed quote. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Arlington, Texas | $258 | $436 | $636 |
Neighborhoods in Arlington
- Sierra Elite Estates
- Russell Curry Estates
- Fox Run
- Wildwood Estates
- La Frontera
- Ambercrest
- Berkeley Square
- Artist’s Glen
- Enchanted Creek
- Western Trails
- Deer Cove
- Lake Port Meadows
- Webb
- Lake Port Village
- Heartstone Meadow
- Harris Place
- Running Ranch
- Martha’s Vineyad
- Mondavi
- Calender Place
Arlington homes by the numbers
The USGS GNIS lists these named communities and subdivisions in and around Arlington: Johnsons Station, Dalworthington Gardens, Southland Acres, University Park Village, Pantego, and Sublett. Older and newer sections can quote differently because of construction era and roof condition.
Since 2000, Tarrant County has been part of 8 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
Home heating in Arlington runs mainly on electricity (71%) and utility gas (26%).
Tornadoes are part of the picture too: NOAA logged 4 tornadoes touching down within 10 miles of Arlington over 2016–2025, the most intense an EF2 during November 2020.
In FEMA’s National Risk Index, Tarrant County rates above the low end for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”).
Arlington’s median year built is 1986. Roughly 33% of homes predate 1980, so wiring, plumbing, and roof updates are worth documenting for a quote.
The NOAA Storm Events Database logged 154 hail reports within about 9 miles of Arlington from 2016 through 2025; 125 were one inch or bigger. Top size was 5 inches in June 2023 around Mansfield.
The Census Bureau’s 2020–2024 American Community Survey counts about 153,137 housing units in Arlington, and homeowners occupy about 54% of the occupied homes. Looking at building types, 60% are detached single-family houses and 32% are in buildings with two or more units.
Arlington traces its official start to 1876. Census counts put Arlington at 332,969 residents in 2000 and 365,438 in 2010, and the Census Bureau’s July 2024 estimate is 403,672. That is growth of roughly 21% since 2000.
Earlier hail records help too: NOAA’s Storm Prediction Center counts 87 hail reports within 5 miles of Arlington between 1955 and 2015, topped by hail of 4.5 inches on April 25, 1994. Reports of 2-inch or bigger hail number 16 in that span. NOAA Storm Prediction Center records list 28 tornadoes that began within 10 miles of Arlington from 1950 through 2015; the strongest was an F3 on March 28, 2000.
Comparing homes in nearby towns? Nearby home insurance pages: Grand Prairie (6 mi), Kennedale (7 mi), and Forest Hill (9 mi).
Where we write coverage around Arlington
76001 · 76005 · 76011 · 76015 · 76019 · 76112 · 76002 · 76006 · 76012 · 76016 · 76040 · 76119 · 76003 · 76007 · 76013 · 76017
Landlord insurance for Arlington rental properties
If you own a rental in Arlington and do not live there, a standard HO-3 homeowners policy usually does not apply. Landlord or dwelling coverage is built for the building, loss of rents, vacancy rules, and premises liability, while tenants carry their own renters policy for their belongings.
Local weather and site risks in Arlington (storms, hail/wind, flood exposure where relevant, and vacancy between leases) should shape deductibles, DP-1 / DP-2 / DP-3 choice, and whether you add flood or water-backup coverage.
Read our Arlington landlord insurance guide, the statewide Texas landlord insurance hub, or call (800) 253-1482 for a rental quote. You can also start a free quote online.
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Shop homeowners coverage in Arlington, TX
Freedom Insurance Group compares 25+ carriers for Arlington residents. Begin a home quote online or phone (800) 253-1482.
