Compare homeowners coverage without the hassle through Freedom Insurance Group. Call (800) 253-1482 or ask for a quote online.
Homeowners insurance rates in Justin, TX
| Scenario | Market estimate | FIG illustrated (41% less) |
|---|---|---|
| Typical Justin home (~$406,800) | $2,192/yr | $1,293/yr |
| $300,000 dwelling | $1,917/yr | $1,131/yr |
| $600,000 dwelling | $2,697/yr | $1,591/yr |
| $1,000,000 dwelling | $3,510/yr | $2,071/yr |
The typical homeowners insurance premium in Justin, TX is about $2,192 annually for a typical local home (typical local home value about $406,800). 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 $1,293 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 Justin dwelling curve (typical local home value about $406,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Justin, TX, using a typical local home value of about $406,800. 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.
What shapes home insurance premiums in Justin
Carriers build a Justin home quote from several connected factors that work together. Most of the price comes from rebuild cost, roof age and material, and local storm or wildfire exposure; deductible choice and claims history can change the final premium as much as the carrier brand itself.
Consider replacement cost as what rebuilding would cost the home with comparable materials at today’s labor and material prices. What the insurer might pay tracks the rebuild estimate, which is why larger Justin rebuild numbers generally mean bigger premiums.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, what covers the roof, and the overall build quality, since these factors shape how it handles the wind, hail, and fire seen across Texas.
Storm, hail, wildfire, and crime scores make up location risk, and they vary by ZIP code and neighborhood in Justin, so homes with similar rebuild costs can still get different prices.
Carriers grade fire protection by protection class and the distance to hydrants and stations; a stronger profile usually means a more competitive price.
Insurers look at claims history closely; a recent loss on the property or household often push Justin renewals and new quotes higher.
Credit-based insurance score can move the price where rules allow: insurers relying on it tend to price lower when scores are higher.
What makes Justin, TX unique
Justin counts roughly 3,437 residents, located in Denton County.
Justin sits in the Denton County area, and there routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Denton County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Insurers in North Texas usually account for severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners discounts in Justin, 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. “Up to” is the high end, not a guaranteed amount.
Homeowners coverage basics
- Dwelling (Coverage A): Money to rebuild the structure after a covered loss. It should keep pace with current local construction costs.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings not attached to the home are protected by this part.
- Personal property (Coverage C): Pays for belongings in the home: furniture, clothing, and everyday items. Higher-value categories often carry sublimits.
- Loss of use (Coverage D): Extra living expenses during repairs after a covered claim forces you out.
- Personal liability (E): Coverage for times when the law holds you responsible for injuries to others or damage to their property from a covered incident.
- Medical payments (Coverage F): Visitors’ medical expenses after an injury on your property, usually handled without a formal liability claim.
Justin, TX home & auto bundle savings
The amounts shown are illustrated averages for bundling, not a promise. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Justin, Texas | $246 | $432 | $630 |
What public data says about Justin homes
ACS 2020–2024 estimates put about 1,842 housing units in Justin, and owners occupy close to 84% of the occupied homes. Of all units, 92% are detached single-family houses.
For heat, Justin households mostly rely on electricity (64%), utility gas (30%), and propane or other bottled gas (5.4%). Wood stoves and propane tanks are worth mentioning on an application, since carriers treat them differently.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
NOAA storm records show 18 hail reports within about 5 miles of Justin from 2016 through 2025; 16 were one inch or bigger. Top size measured 3.4 inches in April 2024 near Justin.
Justin’s median year built is 2011. Roughly 52% of homes went up in 2010 or later, and age-of-home discounts come up often.
From 2000 on, Denton County has appeared in 8 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
Tornadoes are part of the picture too: NOAA logged 1 tornado starting within 10 miles of Justin between 2016 and 2025, with the strongest at EF1 during April 2019.
Justin dates its official start to 1848. Census counts put Justin at 1,891 residents in 2000 and 3,246 in 2010, and the Census Bureau’s July 2024 estimate is 6,197. Growth since 2000 comes to roughly 228%.
Going further back, NOAA’s Storm Prediction Center counts 22 hail reports within 5 miles of Justin between 1955 and 2015; the biggest stones, 3.5 inches, fell on July 18, 1976. 3 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 15 tornadoes that began within 10 miles of Justin from 1950 through 2015; the most powerful, rated F2, touched down on May 14, 1975.
Shopping around the area? We also have home insurance pages for Northlake (3 mi), Ponder (6 mi), and Roanoke (7 mi).
ZIP codes we cover in and around Justin
76247
Areas of Justin
- The Reserve at Meadowlands
- Meadowlands
- Wildflower Ranch
Keep exploring Texas insurance resources
Price homeowners coverage in Justin, TX
In Justin, Freedom Insurance Group compares 25+ carriers. Call (800) 253-1482 or request a home quote online.
