For Bedford residents: independent agents who compare homeowners quotes from 25+ carriers.
What home insurance costs in Bedford
The typical homeowners insurance premium in Bedford, TX is about $2,047 annually for a typical local home (typical local home value about $350,700). 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 41% lower — near $1,208 per year for a typical home, roughly $1,131 for a $300,000 home, about $1,591 for a $600,000 home, and around $2,071 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 Bedford dwelling curve (typical local home value about $350,700). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Bedford, TX, using a typical local home value of about $350,700. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
About Bedford, TX
Bedford counts about 49,337 residents, located in Tarrant County.
Bedford lies within the Tarrant County area, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Tarrant County area, and replacement cost, roof age, and construction type still drive most premium differences from street to street.
North Texas homes are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Homeowners policy coverages, A through F
It pays to rebuild the structure of your home after a covered loss, and it should match what rebuilding costs locally right now.
It covers detached features such as a garage, shed, fence, or similar buildings that stand separate from the main house.
Your furniture, clothes, and everyday belongings in the home are protected, but certain valuable items have lower limits.
While a covered loss keeps you out of the home, this helps pay added costs like a rental or hotel.
When you are found legally liable for someone else’s injury or property damage after a covered incident, this part responds.
If a visitor is injured at your home, this can pay medical bills, frequently with no formal liability claim.
Home insurance discounts in Bedford, 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% |
Discounts are not uniform across carriers, and sizes vary. Treat “up to” as the top end, not a guarantee.
Premium drivers for homeowners in Bedford
Insurers price a Bedford home quote from several interlocking factors. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk usually move the number most.
Consider replacement cost as the price of rebuilding the house in like-kind materials at current labor and supply costs. When a Bedford home has a higher rebuild estimate, premiums generally go up, since the carrier could owe more.
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, since these factors decide how it fares in the wind, hail, and fire seen across Texas.
Two Bedford homes with similar rebuild costs may still get different quotes because of location risk: scores for storms, hail, wildfire, and crime that change by ZIP code and neighborhood.
A better fire protection profile built on the protection class and nearby hydrants and stations tends to make the premium lower.
Insurers look at claims history on every quote; fresh claims on the property or household tend to push the price up whether the Bedford policy is new or renewing.
Credit-based insurance score is a lever too where rules allow: insurers relying on it usually charge less for stronger scores.
Bedford, TX home and auto bundling
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Bedford, Texas | $258 | $436 | $636 |
Housing and weather facts for Bedford
The median home in Bedford was built in 1983. Roughly 38% of homes were built before 1980, so electrical, plumbing, and roof upgrades can change eligibility and price.
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”).
Tornado history matters here as well: NOAA logged 6 tornadoes touching down within 10 miles of Bedford in 2016–2025, with the strongest at EF1 in June 2019.
For heat, Bedford households mostly rely on electricity (72%) and utility gas (26%).
NOAA storm records show 62 hail reports within about 5 miles of Bedford from 2016 through 2025, 55 of them one inch or larger. The largest was 2.75 inches in May 2024 around Bedford.
Census survey estimates (ACS 2020–2024) show about 21,878 housing units in Bedford, and owner-occupants live in about 51% of the occupied homes. Of all units, 53% are detached single-family houses and 41% are in buildings with two or more units.
From 2000 on, Tarrant County has been part of 8 major disaster declarations; the most recent was Severe Winter Storms (February 2021).
Census counts put Bedford at 47,152 residents in 2000 and 46,979 in 2010, and the Census Bureau’s July 2024 estimate is 48,728. The population has stayed fairly steady since 2000.
Going further back, the Storm Prediction Center lists 62 hail reports within 5 miles of Bedford between 1955 and 2015, topped by hail of 3.5 inches on April 29, 1995. Reports of 2-inch or bigger hail number 7 in that span. The NOAA Storm Prediction Center database shows 35 tornadoes that began within 10 miles of Bedford from 1950 through 2015, the strongest an F3 on March 28, 2000.
Shopping around the area? We also have home insurance pages for Hurst (3 mi), Colleyville (3 mi), and Euless (3 mi).
Bedford-area ZIP codes we insure
76021 · 76022 · 76054 · 76095
Bedford neighborhoods
- The Arbors of Central Park
- Morrow Green
- The Meadows
- Harwood Hills
- Trinity Park
More Texas insurance resources
Shop homeowners coverage in Bedford, TX
Freedom Insurance Group shops 25+ carriers on behalf of Bedford homeowners. Call (800) 253-1482 or begin a free home quote online.
