Compare homeowners insurance quotes in Providence Village, TX with Freedom Insurance Group. We shop 25+ carriers and help you match coverage to the home or vehicles you actually own.
Average homeowners insurance cost in Providence Village, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$245,000) | $1,412 | $833 |
| $300,000 dwelling | $1,633 | $963 |
| $600,000 dwelling | $2,298 | $1,356 |
| $1,000,000 dwelling | $2,990 | $1,764 |
The typical homeowners insurance premium in Providence Village, TX is about $1,412 annually for a typical local home (typical local home value about $245,000). 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 41% lower — near $833 per year for a typical home, roughly $963 for a $300,000 home, about $1,356 for a $600,000 home, and around $1,764 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 Providence Village dwelling curve (typical local home value about $245,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Providence Village, TX, using a typical local home value of about $245,000. 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 makes Providence Village, TX unique
Providence Village counts about 4,786 residents within Texas.
Providence Village sits in Texas, and there day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses like those across Texas; replacement cost, roof age, and construction type still explain most premium differences from street to street.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Premium drivers for homeowners in Providence Village
Underwriters build a Providence Village homeowners quote from several interlocking factors reviewed together. Look for rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. The deductible you pick and your claims record can also shift the final price about as much as the carrier brand.
Replacement cost is the amount needed to rebuild the home with comparable materials at today’s prices for labor and supplies. Higher rebuild estimates for Providence Village properties tend to raise premiums since the carrier’s maximum payout grows with that figure.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality all influence how a property performs in wind, hail, and fire scenarios that are common across Texas.
Location risk rolls up storm, hail, wildfire, and crime scores that can vary by ZIP code and neighborhood within Providence Village, so two homes with similar rebuild costs may still price differently.
Insurers grade fire protection by protection class plus hydrant and station distance; good protection often brings lower pricing.
Claims history is a heavy factor: in Providence Village, recent household or property claims can raise the premium on both renewals and fresh quotes.
Credit-based insurance score, where permitted by state rules, is another lever; better scores generally line up with cheaper premiums when the carrier uses it.
Discounts for Providence Village, TX homeowners
| 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% |
Discount availability and amounts vary by carrier. “Up to” marks the top of the range, not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): Following a covered loss, this coverage pays to rebuild your home’s structure; keep it in line with what rebuilding costs in your area today.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like not attached to the home are covered here.
- Personal property (C): It protects furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: It responds when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (F): Visitors’ medical expenses after an injury on your property, usually handled without a liability claim.
Home-and-auto bundles in Providence Village, TX
Illustrative average bundling savings, not guaranteed. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Providence Village, Texas | $258 | $436 | $636 |
Neighborhoods around Providence Village
- Hillstone Pointe
- Silverado
- Woodstone
- Paloma Creek
- Enclave at Pecan Creek
- Aspen Meadows
- Del Webb at Union Park
- Union Park
Providence Village homes by the numbers
Since 2000, Denton County has been part of 8 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
On tornadoes, NOAA logged 5 tornadoes touching down within 10 miles of Providence Village between 2016 and 2025, with the strongest at EF1 during April 2019.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
The median home in Providence Village was built in 2009. Roughly 47% of homes went up in 2010 or later, so new-home and newer-roof credits can matter here.
ACS 2020–2024 estimates put about 2,859 housing units in Providence Village, and homeowners occupy roughly 78% of the occupied homes. By structure type, 99% are detached single-family houses.
The USGS GNIS lists these named communities and subdivisions in and around Providence Village: Providence, Lincoln Park, and Navo. Older and newer sections can quote differently based on build era, roof, and fire protection.
For heat, Providence Village households mostly rely on electricity (75%) and utility gas (23%).
NOAA’s Storm Events Database lists 31 hail reports within about 5 miles of Providence Village from 2016 through 2025, 25 of them one inch or larger. The biggest measured 1.75 inches in March 2017 around Navo.
Earlier hail records help too: SPC data show 27 hail reports within 5 miles of Providence Village between 1955 and 2015, topped by hail of 2.75 inches on April 3, 2014. Reports of 2-inch or bigger hail number 1 in that span. NOAA Storm Prediction Center records list 15 tornadoes that began within 10 miles of Providence Village from 1950 through 2015; the most powerful, rated F3, touched down on June 12, 1966.
Comparing homes in nearby towns? Nearby home insurance pages: Cross Roads (3 mi), Little Elm (4 mi), and Aubrey (5 mi).
ZIP codes we cover near Providence Village
76227
More Texas insurance pages
Get home insurance quotes in Providence Village, TX
For Providence Village residents, Freedom Insurance Group shops 25+ carriers. Start a free home quote online or call (800) 253-1482.
