Compare homeowners insurance quotes in Kennedale, TX with Freedom Insurance Group. We compare 25+ carriers and work with you to match coverage to the home and vehicles you actually own.
What home insurance costs in Kennedale, TX
| Home value tier | Market est. | Freedom Insurance Group example |
|---|---|---|
| Typical local home (~$380,100) | $2,122 | $1,231 |
| $300,000 dwelling | $1,917 | $1,112 |
| $600,000 dwelling | $2,697 | $1,564 |
| $1,000,000 dwelling | $3,510 | $2,036 |
The typical homeowners insurance premium in Kennedale, TX is about $2,122 annually for a typical local home (typical local home value about $380,100). 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 42% lower — near $1,231 per year for a typical home, roughly $1,112 for a $300,000 home, about $1,564 for a $600,000 home, and around $2,036 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 Kennedale dwelling curve (typical local home value about $380,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Kennedale, TX, using a typical local home value of about $380,100. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Getting to know Kennedale, TX
Kennedale has around 7,715 residents in Tarrant County.
Kennedale is part of the Tarrant County area, and there day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Most homes are single-family properties typical of the Tarrant County area; rebuild cost, roof age, and construction still explain most premium differences from street to street.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk common across the Plains.
What moves home insurance rates in Kennedale
Pricing for a Kennedale home comes from several related inputs that carriers check side by side. 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 shift the final premium as much as the carrier brand itself.
Replacement cost is the cost to rebuild the home with comparable materials at today’s labor and supply prices. Since the carrier’s largest possible payout grows with the rebuild estimate, bigger estimates for Kennedale properties generally raise premiums.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality all affect how a property performs in wind, hail, and fire scenarios common across Texas.
Two Kennedale homes with matching rebuild costs can still price differently due to location risk: storm, hail, wildfire, and crime scores that vary by ZIP code and neighborhood.
Carriers score fire protection by protection class and how far away hydrants and stations are; good protection often brings a more competitive price.
Recent claims on the house or by anyone in the household can push up premiums on Kennedale renewals and new quotes alike, because claims history is a big rating factor.
Credit-based insurance score is a lever too where rules allow: carriers that use it generally offer lower premiums for stronger scores.
Ways to cut the premium in Kennedale, 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% |
Which discounts apply and how much they are worth depend on the carrier. Treat “up to” as the maximum, not a promise.
The six parts of a home policy
- Coverage A, dwelling: When a covered loss hits, this limit rebuilds your home’s structure; set it to match what rebuilding costs in your area today.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings separate from the main house are covered here.
- Coverage C, personal property: Furniture, clothing, and the other things you own inside the house are covered here, but special limits can cap 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.
- Coverage E, personal liability: If you are legally responsible for injuring another person or damaging their things after a covered incident, this coverage steps in.
- Coverage F, medical payments: This helps with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Bundling home and auto in Kennedale, TX
These illustrate average bundle savings, not a promise. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Kennedale, Texas | $258 | $436 | $636 |
Areas of Kennedale
- Lindberg
- Winding Creek Estates
- Eden Village
Kennedale housing stock and storm history
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”).
Half of Kennedale’s homes were built in or before 1996. Roughly 32% of homes went up in 2010 or later, so age-of-home discounts can matter here.
Census survey estimates (ACS 2020–2024) show about 3,518 housing units in Kennedale, and owners occupy close to 71% of the occupied homes. By structure type, 69% are detached single-family houses and 17% are in buildings with two or more units.
Tornadoes are part of the picture too: NOAA lists 2 tornadoes touching down within 10 miles of Kennedale in 2016–2025, with the strongest at EF2 during November 2020.
For heat, Kennedale households mostly rely on electricity (67%) and utility gas (31%).
Since 2000, Tarrant County has appeared in 8 major disaster declarations; the latest was Severe Winter Storms (February 2021).
The NOAA Storm Events Database logged 29 hail reports within about 5 miles of Kennedale from 2016 through 2025, 27 of them one inch or larger. Top size was 2.75 inches in June 2025 around Everman.
Kennedale’s population went from 5,850 at the 2000 Census to 6,763 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 10,771. That is growth of roughly 84% since 2000.
Earlier hail records help too: SPC data show 23 hail reports within 5 miles of Kennedale between 1955 and 2015, the largest 2.75 inches on April 28, 1989. Reports of 2-inch or bigger hail number 2 in that span. NOAA Storm Prediction Center records list 37 tornadoes that began within 10 miles of Kennedale from 1950 through 2015; the strongest was an F3 on March 28, 2000.
Shopping around the area? See our home insurance pages for Forest Hill (3 mi), Rendon (5 mi), and Arlington (7 mi).
Where we write coverage around Kennedale
76060 · 76140
Keep exploring Texas coverage guides
Price homeowners coverage for Kennedale, TX
In Kennedale, Freedom Insurance Group shops 25+ carriers. Next step: request a home quote on our site or call (800) 253-1482.
