Freedom Insurance Group works with Keller, TX with side-by-side homeowners quotes from 25+ companies.
What makes Keller, TX different
Keller counts roughly 45,758 residents and lies within Tarrant County, within the Dallas–Fort Worth metroplex.
Keller is located in the Dallas–Fort Worth metroplex, where routine insurance shopping is driven more by home characteristics 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.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk typical of the Plains.
Homeowners pricing in Keller, TX
The typical homeowners insurance premium in Keller, TX is about $2,684 annually for a typical local home (typical local home value about $594,300). 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 38% lower — near $1,664 per year for a typical home, roughly $1,189 for a $300,000 home, about $1,672 for a $600,000 home, and around $2,176 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 Keller dwelling curve (typical local home value about $594,300). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Keller, TX, using a typical local home value of about $594,300. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners policy coverages, A through F
- Coverage A, dwelling: The limit that rebuilds the house after a covered loss. Match it to local rebuilding prices.
- Coverage B, other structures: Coverage for structures not attached to the home, such as a shed, fence, or garage.
- 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): This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): Protection when the law holds you responsible for another person’s injury or property damage from a covered incident.
- Medical payments (Coverage F): When a guest gets hurt on your property, this covers medical costs, often without a formal liability claim.
Home insurance discounts in Keller, 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 and their size depend on the carrier. “Up to” shows the maximum, not a guarantee.
What drives home insurance costs in Keller
Pricing for a Keller home is built from a set of connected factors that underwriters review together. Look for rebuild cost, the roof’s age and type, and local storm or wildfire exposure to matter most. Deductible choice and claims history may move the final price about as much as choosing one carrier over another.
Rebuilding the home with similar materials at current labor and material costs defines what replacement cost captures. The carrier’s exposure tracks the rebuild estimate, so larger Keller rebuild numbers usually mean higher premiums.
Construction type and roof details matter as well: insurers ask whether walls are frame or masonry, the roof covering, and how solidly the home is built, because those details shape how it fares in the wind, hail, and fire seen across Texas.
Homes in Keller with close rebuild estimates can still price differently thanks to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Insurers rate fire protection using protection class and how far away hydrants and stations are; better protection tends to mean lower pricing.
Claims filed lately on the house or by anyone in the household may lift premiums for Keller renewals as well as new policies, since claims history still weighs heavily.
In states that allow it, carriers may use a credit-based insurance score, and a stronger score generally leads to a lower price.
Home-and-auto bundles in Keller, TX
Illustrative average bundling 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 |
|---|---|---|---|
| Keller, Texas | $258 | $436 | $636 |
Keller housing stock and storm history
ACS 2020–2024 estimates put about 16,892 housing units in Keller, and owner-occupants live in about 83% of the occupied homes. Of all units, 88% are detached single-family houses and 10% are in buildings with two or more units.
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.
The median home in Keller was built in 1999. The stock is mixed: 9.6% date from before 1980 and 19% were built in 2010 or later.
On tornadoes, NOAA logged 9 tornadoes starting within 10 miles of Keller in 2016–2025, the strongest rated EF1 during December 2022.
From 2000 on, Tarrant County has appeared in 8 major disaster declarations; the latest is Severe Winter Storms (February 2021).
The NOAA Storm Events Database logged 83 hail reports within about 6 miles of Keller from 2016 through 2025, 65 of them one inch or larger. Top size was 3.25 inches in April 2021 around Keller.
Home heating in Keller runs mainly on utility gas (63%) and electricity (36%).
Keller dates its official start to 1881. Census counts put Keller at 27,345 residents in 2000 and 39,627 in 2010, and the Census Bureau’s July 2024 estimate is 46,643. That works out to about 71% more residents than in 2000.
Earlier hail records help too: SPC data show 68 hail reports within 5 miles of Keller between 1955 and 2015, the largest 4.5 inches on April 28, 1989. 11 of those reports were 2 inches or larger. Federal tornado records from NOAA’s Storm Prediction Center list 27 tornadoes that began within 10 miles of Keller from 1950 through 2015; the strongest was an F2 on May 14, 1975.
Comparing homes in nearby towns? See our home insurance pages for Watauga (5 mi), Southlake (5 mi), and North Richland Hills (5 mi).
ZIP codes we serve in and around Keller
76248 · 76262
Areas of Keller
- Olympus Stone Glen
- Villas of Stone Glen
- Silver Lake
- Lakeview At The Villages Of Wood Springs
- Greenway Park
- Gean Estates
- Forest Hill At The Villages Of Woodland Springs
- Flanigan Hill
- Hillside At The Villages Of Woodland Springs
- Woodford
- Bridgewood
- Saddlebrook Estates
- Mount Gilead Ranch
- Timberland Estates
- Villas of Town Center
- The Reserve at Marshall Ridge
- Newtown Ranch
- Overton Ridge
- Pheasant Crossing
- Highland Oaks
