Comparing homeowners coverage in Hallsville can be simple; Freedom Insurance Group does the comparing. Call (800) 253-1482 or request a quote online.
Home insurance premiums in Hallsville, TX
| Scenario | Market estimate | FIG illustrated (36% less) |
|---|---|---|
| Typical Hallsville home (~$235,000) | $1,396/yr | $893/yr |
| $300,000 dwelling | $1,633/yr | $1,045/yr |
| $600,000 dwelling | $2,298/yr | $1,471/yr |
| $1,000,000 dwelling | $2,990/yr | $1,914/yr |
The typical homeowners insurance premium in Hallsville, TX is about $1,396 annually for a typical local home (typical local home value about $235,000). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 36% lower — near $893 per year for a typical home, roughly $1,045 for a $300,000 home, about $1,471 for a $600,000 home, and around $1,914 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Hallsville dwelling curve (typical local home value about $235,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Hallsville, TX, using a typical local home value of about $235,000. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Hallsville home insurance quotes differ
Multiple interlocking factors go into what Hallsville homeowners pay, and carriers look at all of them when they build a quote. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can change the final premium as much as the carrier brand itself.
Replacement cost is a straightforward idea: how much would it take to rebuild the house today, with similar materials, at current labor and supply prices? Since the carrier’s top payout grows with the rebuild estimate, bigger estimates for Hallsville properties tend to push up premiums.
Construction type and roof details count as well: frame versus masonry walls, roofing material, and overall build quality all influence how a property fares in the wind, hail, and fire events seen across Texas.
Homes in Hallsville with matching rebuild costs can still price differently because of location risk: storm, hail, wildfire, and crime scores that shift by ZIP code and neighborhood.
Fire protection weighs how far the home sits from hydrants and stations plus the area’s protection class, and stronger protection profiles may earn lower premiums.
Claims filed lately on the house or by anyone in the household may lift the price whether a Hallsville policy is renewing or new, since claims history still weighs heavily.
Certain companies weigh a credit-based insurance score where permitted; higher scores generally bring lower prices.
About Hallsville, TX
Hallsville counts roughly 4,065 residents and sits in Harrison County.
Hallsville lies within the Harrison County area, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Homes are mostly single-family properties typical of the Harrison County area; replacement cost, roof age, and construction type still explain most premium differences block by block.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners discounts in Hallsville, 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% |
Every insurer sets its own discounts and amounts. Read “up to” as the top end, not a promise.
What a standard home policy includes
- Dwelling (A): Following a covered loss, this coverage pays to rebuild the house itself; keep it in line with what rebuilding costs in your area today.
- Other structures (B): This part protects detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Coverage C, personal property: It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): This coverage responds when you are legally responsible for bodily injury or property damage to others arising from a covered incident.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, usually handled without any formal claim.
Bundling home and auto in Hallsville, TX
Average bundle savings, illustrated, not a guaranteed quote. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Hallsville, Texas | $258 | $436 | $636 |
Hallsville housing stock and storm history
The National Risk Index from FEMA shows elevated ratings for hail (“Relatively Moderate”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Harrison County.
The median home in Hallsville was built in 1985. About 45% of homes predate 1980, which means system and roof updates are worth documenting for a quote.
Tornado history matters here as well: NOAA lists 7 tornadoes starting within 10 miles of Hallsville over 2016–2025, with the strongest at EF2 in March 2017.
ACS 2020–2024 estimates put about 1,836 housing units in Hallsville, and homeowners occupy roughly 61% of the occupied homes. Of all units, 78% are detached single-family houses and 19% are in buildings with two or more units.
Occupied homes in Hallsville are heated mostly with electricity (70%), utility gas (25%), and propane or other bottled gas (4.9%). Wood stoves and propane tanks are items underwriters ask about, since some carriers price or inspect them.
From 2000 on, Harrison County has been part of 14 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
NOAA’s Storm Events Database lists 4 hail reports within about 5 miles of Hallsville from 2016 through 2025; 4 were one inch or bigger. The largest was 1.25 inches in January 2022 near Hallsville.
Hallsville traces its official start to 1870. Census counts put Hallsville at 2,772 residents in 2000 and 3,577 in 2010, and the Census Bureau’s July 2024 estimate is 4,896. That is growth of roughly 77% since 2000.
Going further back, SPC data show 37 hail reports within 5 miles of Hallsville between 1955 and 2015; the biggest stones, 1.75 inches, fell on May 7, 1976. NOAA Storm Prediction Center records list 23 tornadoes that began within 10 miles of Hallsville from 1950 through 2015, the strongest an F3 on April 26, 1957.
Looking at neighboring communities? We also have home insurance pages for Lake Cherokee (11 mi), Longview (11 mi), and Marshall (13 mi).
ZIP codes we cover near Hallsville
75650
Keep exploring Texas insurance resources
Hallsville, TX home insurance quotes
Freedom Insurance Group shops 25+ carriers on behalf of Hallsville households. Phone (800) 253-1482 or start a free home quote online.
