Shop Lewisville homeowners insurance with illustrated local rate context and side-by-side carrier options. Freedom Insurance Group helps you match dwelling limits and deductibles to the house you actually own.
Homeowners insurance rates in Lewisville, TX
| Scenario | Market estimate | FIG illustrated (40% less) |
|---|---|---|
| Typical Lewisville home (~$378,500) | $2,118/yr | $1,271/yr |
| $300,000 dwelling | $1,917/yr | $1,150/yr |
| $600,000 dwelling | $2,697/yr | $1,618/yr |
| $1,000,000 dwelling | $3,510/yr | $2,106/yr |
The typical homeowners insurance premium in Lewisville, TX is about $2,118 annually for a typical local home (typical local home value about $378,500). 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 40% lower — near $1,271 per year for a typical home, roughly $1,150 for a $300,000 home, about $1,618 for a $600,000 home, and around $2,106 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 Lewisville dwelling curve (typical local home value about $378,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Lewisville, TX, using a typical local home value of about $378,500. Freedom figures apply an approximate 40% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance price factors in Lewisville
Lewisville homeowners are priced heavily on rebuild cost, roof age/material, and hail-wind exposure common across Denton and Dallas counties. Claims history and deductible choice (especially percentage wind/hail deductibles) can change the number as much as the carrier brand.
Replacement cost is a straightforward idea: how much would it take to rebuild this home today, with similar materials, at current labor and supply prices? In Lewisville, a larger rebuild estimate, the premium usually rises, since the carrier could owe more.
Whether walls are frame or masonry, the roof covering, and overall build quality all influence how a house performs in the wind, hail, and fire common across Texas, so construction type and roof details count.
Location risk captures storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Lewisville, so two homes with similar rebuild costs can still get different prices.
A solid fire protection score that reflects close hydrants, a nearby station, and a good protection class tends to make pricing more competitive.
Claims history stays a major rating input: recent claims on the property or household tend to raise rates for Lewisville renewals and new business quotes as well.
Credit-based insurance score, where state law permits, is one more factor; stronger scores usually correlate with cheaper premiums when the carrier relies on it.
Lewisville, TX: what is distinctive here
Lewisville has about 133,000 residents in Denton County, in the Dallas–Fort Worth metroplex.
Lewisville homeowners range from older lake-adjacent stock to newer east-side subdivisions. Hail and wind are the North Texas perils that move premiums most; roof age and material often matter as much as sale price. Replacement cost should track rebuild cost in Denton County, not just what you paid for the house.
Freedom Insurance Group is based nearby in Flower Mound and shops 25+ carriers for Lewisville households — so you can compare real options instead of a single direct-writer price.
Our Lewisville office is at 201 East Round Grove Road #2136, Lewisville, TX 75067. Call (972) 798-3769, or see the Lewisville office page.
Homeowners discounts in Lewisville, 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% |
Carriers do not all offer the same discounts, and the amounts vary. Treat “up to” as the top end, not a guarantee.
How a homeowners policy is built
- Dwelling (A): After a covered loss, this limit rebuilds the house itself; set it to match today’s local rebuild costs.
- Other structures (B): Protection for structures not attached to the home, for example a garage, shed, or fence.
- Personal property (C): Your furniture, clothes, and everyday belongings in the home are protected, but special limits can cap higher-value categories.
- Loss of use (Coverage D): Added costs of living elsewhere during repairs after a covered claim makes it unlivable.
- Personal liability (Coverage E): It pays when you are legally on the hook for injuries to others or damage to their property from a covered incident.
- Medical payments (Coverage F): This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Lewisville, TX home and auto bundling
These are illustrated averages for bundling, not a guaranteed quote. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Lewisville, Texas | $129 | $218 | $318 |
What public data says about Lewisville homes
On tornadoes, NOAA logged 5 tornadoes starting within 10 miles of Lewisville in 2016–2025, the strongest rated EF1 during December 2022.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
The median home in Lewisville was built in 1997. There is a spread of ages: 14% predate 1980 and 23% were built in 2010 or later.
Since 2000, Denton County has been part of 8 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
ACS 2020–2024 estimates put about 54,237 housing units in Lewisville, and homeowners occupy about 46% of the occupied homes. By structure type, 46% are detached single-family houses and 46% are in buildings with two or more units.
Home heating in Lewisville runs mainly on electricity (65%) and utility gas (33%).
NOAA’s Storm Events Database lists 98 hail reports within about 7 miles of Lewisville from 2016 through 2025 (80 at one inch or more). The biggest was 3.5 inches in March 2024 around Bartonville.
Lewisville was incorporated on January 15, 1925. Lewisville’s population went from 77,737 at the 2000 Census to 95,290 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 135,983. That is growth of roughly 75% since 2000.
Earlier hail records help too: the Storm Prediction Center lists 47 hail reports within 5 miles of Lewisville between 1955 and 2015; the biggest stones, 4.5 inches, fell on October 21, 1996. Reports of 2-inch or bigger hail number 4 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 22 tornadoes that began within 10 miles of Lewisville from 1950 through 2015, the strongest an F2 on August 21, 1960.
Comparing homes in nearby towns? Nearby home insurance pages: The Colony (5 mi), Hickory Creek (5 mi), and Highland Village (6 mi).
Lewisville-area ZIP codes we insure
75067 · 75077 · 75057
Lewisville neighborhoods
- Normandy Homes
- Oak Creek Estates
- Continental Square
- Reserve at Timber Creek
- Golden Park Place
- Hedrick Estates
- Britian Estates
- Vista Villas
- Maison on Main
- Empty Lot
- Vistas on the Park
- Crescent Estates
- OakForest
- View on Fox Creek
- Oaks
- Merit
- Villas at Waterchase
- Barrow
- The Glen
- Stone Creek
Related Texas insurance pages
Frequently asked questions
Why did my home renewal jump?
Rebuild costs, hail/wind losses across North Texas, roof age, and carrier appetite all move renewals. A non-renewal or large increase is a signal to shop — not necessarily to buy the first online price.
Do I need a separate windstorm policy in Denton or Dallas County?
Usually no. TWIA serves the designated coastal catastrophe area. Inland, wind and hail typically sit on the homeowners form (often with a percentage deductible). Coastal certificate rules are different — see our WPI-8 guide.
What is replacement cost vs. market value?
Insurance should track what it costs to rebuild with like kind and quality, including labor and materials — not the price a buyer would pay for the land and location.
Lewisville, TX home insurance quotes
Freedom Insurance Group compares 25+ carriers for Lewisville residents and explains the tradeoffs before you buy. Call (800) 253-1482 or start a free home quote online — same local team that serves Flower Mound, Argyle, Coppell, and the rest of North Texas.
