A practical look at homeowners coverage for Colleyville: local context, cost drivers, and how to compare quotes without guesswork.
Getting to know Colleyville, TX
Colleyville counts roughly 25,487 residents and sits in Tarrant County.
Colleyville lies within the Tarrant County area, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Tarrant County area, and replacement cost, roof age, and construction type still drive most premium differences from one house to the next.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
What homeowners pay for home insurance in Colleyville
The typical homeowners insurance premium in Colleyville, TX is about $3,031 annually for a typical local home (typical local home value about $784,900). 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 39% lower — near $1,849 per year for a typical home, roughly $1,169 for a $300,000 home, about $1,645 for a $600,000 home, and around $2,141 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 Colleyville dwelling curve (typical local home value about $784,900). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Colleyville, TX, using a typical local home value of about $784,900. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Why Colleyville home insurance prices vary
Colleyville homeowners are priced on several related factors that underwriters review when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure usually move the price the most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Putting the house back with similar materials at today’s labor and supply prices defines what replacement cost captures. What the insurer might pay follows the rebuild estimate, so bigger estimates on Colleyville homes tend to mean a higher price.
Whether walls are frame or masonry, the roof covering, and how well the house is built all shape how a house performs against the wind, hail, and fire common across Texas, which is why construction type and roof details matter too.
Location risk is why two comparable houses may not match on price: underwriters rate storm, hail, wildfire, and crime exposure by ZIP code and neighborhood in Colleyville.
A solid fire protection rating built on close hydrants, a nearby station, and a good protection class often makes pricing more competitive.
Recent claims on the house or by anyone in the household may lift the price whether a Colleyville policy is renewing or new, since claims history still weighs heavily.
Many insurers look at a credit-based insurance score where the state allows; higher scores generally bring lower prices.
Homeowners policy coverages, A through F
- Coverage A, dwelling: When a covered loss hits, this limit covers rebuilding your home’s structure; keep it in line with current local reconstruction costs.
- Coverage B, other structures: This handles anything detached from the main house, for example a garage, shed, or fence.
- Personal property (C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (Coverage D): When repairs after a covered claim make the house unlivable, this coverage helps with added costs like a rental or hotel.
- Personal liability (Coverage E): This coverage responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, often paid without a liability claim.
Common discounts for Colleyville, TX homeowners
| 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% |
Discount availability and amounts depend on the carrier. “Up to” marks the top of the range, not a guaranteed amount.
Areas of Colleyville
- Kingswood Estates
- Stone Crest Estates
- Chelsea Park
- Montclair Parc
- Broughton
- Arbor Estates
- The Enclave at Arbor Estates
- Highland Meadows
- Heritage Colony
- Summertree
- Ross Downs Estates
- Ashmore
- Caldwell’s Creek
- River Oaks Countryside
- Glenhope
- Greenbriar Estates
- Windmill Estates
- Strathmore
- Fox Meadows
- Pebble Hill
Local housing and storm data: Colleyville
Half of Colleyville’s homes were built in or before 1994. Ages are mixed: 16% date from before 1980 and 17% went up in 2010 or later.
From 2000 on, Tarrant County has appeared in 8 major disaster declarations; the most recent is Severe Winter Storms (February 2021).
NOAA’s Storm Events Database lists 64 hail reports within about 5 miles of Colleyville from 2016 through 2025; 53 were one inch or bigger. The largest was 3 inches in April 2021 around Keller.
ACS 2020–2024 estimates put about 9,403 housing units in Colleyville, and owner-occupants live in roughly 97% of the occupied homes. Of all units, 94% are detached single-family houses.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
Occupied homes in Colleyville are heated mostly with utility gas (76%) and electricity (23%).
Tornadoes are part of the picture too: NOAA lists 8 tornadoes touching down within 10 miles of Colleyville over 2016–2025, the most intense an EF1 during June 2019.
The Census Bureau counted 19,636 people in Colleyville at the 2000 Census and 22,807 at the 2010 Census; its July 2024 estimate is 26,012. That works out to about 32% more residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 71 hail reports within 5 miles of Colleyville between 1955 and 2015, the largest 4.5 inches on October 21, 1996. Reports of 2-inch or bigger hail number 9 in that span. NOAA Storm Prediction Center records list 32 tornadoes that began within 10 miles of Colleyville from 1950 through 2015; the most powerful, rated F2, touched down on September 7, 1963.
Looking at neighboring communities? See our home insurance pages for Bedford (3 mi), Hurst (4 mi), and Southlake (4 mi).
Where we write coverage around Colleyville
76021 · 76034 · 76054 · 76092
Colleyville, TX home & auto bundle savings
The figures below are illustrated averages for bundling, not a guaranteed quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Colleyville, Texas | $258 | $436 | $636 |
How to save on home insurance in Colleyville
- Compare multiple carriers, because risk appetite differs.
- Bundle home and auto when it really lowers the package price.
- Raise deductibles only if you can handle the out-of-pocket cost.
- Ask about roof, alarm, and claims-free credits that suit your home.
Keep exploring Texas insurance resources
Colleyville, TX home insurance quotes
In Colleyville, Freedom Insurance Group compares 25+ carriers. Request a free home quote online or phone (800) 253-1482.
