Homeowners quotes from 25+ companies, side by side, for Rendon, TX, from Freedom Insurance Group.
Rendon, TX: the local picture
Rendon is home to around 12,552 residents within Texas.
Rendon is located in Texas, and there everyday insurance shopping is driven more by the features of each home and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of Texas, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Carriers rating North Texas homes usually account for severe thunderstorms, hail, and tornado risk typical of the Plains.
Homeowners pricing in Rendon, TX
The typical homeowners insurance premium in Rendon, TX is about $1,770 annually for a typical local home (typical local home value about $362,600). 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 36% lower — near $1,133 per year for a typical home, roughly $1,045 for a $300,000 home, about $1,471 for a $600,000 home, and around $1,914 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 Rendon dwelling curve (typical local home value about $362,600). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Rendon, TX, using a typical local home value of about $362,600. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Homeowners coverage basics
- Dwelling (A): Following a covered loss, this coverage rebuilds your home’s structure; set it to match today’s local rebuild costs.
- Other structures (Coverage B): Sheds, fences, detached garages, and the like separate from the main house are protected by this part.
- Personal property (C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (Coverage D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Personal liability (Coverage E): If you are legally responsible for someone else’s injury or property damage from a covered event, this part responds.
- Medical payments (F): This helps with guest medical bills for injuries that occur on your property, often without needing a formal liability claim.
Home insurance discounts in Rendon, 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% |
Discount availability and amounts depend on the carrier. “Up to” is the high end, not a promise.
Why Rendon home insurance prices vary
A handful of connected factors go into what Rendon homeowners pay, and underwriters look at all of them while pricing. The deductible you choose and your claims history can move the final premium as much as the carrier brand itself, but rebuild cost, the roof’s age and material, and local storm or wildfire risk typically matter most.
Define replacement cost as the cost to rebuild the home in like-kind materials at present-day prices. Because the carrier’s top payout grows with the rebuild estimate, bigger estimates for Rendon properties tend to push up premiums.
Frame or masonry walls, the roofing material, and overall build quality all influence how the home holds up in the wind, hail, and fire common across Texas, so construction type and roof details carry weight.
Scores for storms, hail, wildfire, and crime drive location risk, and they vary by ZIP code and neighborhood in Rendon, so houses with comparable rebuild costs can still get different prices.
A better fire protection rating based on close hydrants, a nearby station, and a good protection class can make a quote more competitive.
Claims filed lately tied to the home or the household can push up the price for Rendon renewals as well as new policies, because claims history remains a major rating input.
Credit-based insurance score, where permitted by state rules, is one more factor; higher scores typically bring cheaper premiums when the carrier relies on it.
Home-and-auto bundles in Rendon, TX
The figures below illustrate average bundle savings, not a quote. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Rendon, Texas | $258 | $436 | $636 |
Rendon homes by the numbers
From 2000 on, Tarrant County has been part of 8 major disaster declarations; the latest was Severe Winter Storms (February 2021).
For heat, Rendon households mostly rely on electricity (77%), utility gas (14%), and propane or other bottled gas (7.5%). Wood stoves and propane tanks are worth mentioning on an application, because carriers treat them differently.
Named places the USGS records in and around Rendon include Valley Ridge and Retta. Older and newer sections can quote differently because of construction era and roof condition.
ACS 2020–2024 estimates put about 5,350 housing units in Rendon, and owner-occupants live in close to 85% of the occupied homes. Looking at building types, 79% are detached single-family houses and 15% are mobile homes.
Tornadoes are part of the picture too: NOAA lists 4 tornadoes starting within 10 miles of Rendon over 2016–2025, with the strongest at EF2 in November 2020.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Very High”) in Tarrant County.
Rendon’s median year built is 1996. The stock is mixed: 24% predate 1980 and 19% were built in 2010 or later.
NOAA storm records show 48 hail reports within about 6 miles of Rendon from 2016 through 2025; 37 were one inch or bigger. The biggest measured 3 inches in June 2025.
Earlier hail records help too: SPC data show 36 hail reports within 5 miles of Rendon between 1955 and 2015, topped by hail of 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 25 tornadoes that began within 10 miles of Rendon from 1950 through 2015; the strongest was an EF2 on April 3, 2012.
Looking at neighboring communities? We also have home insurance pages for Kennedale (5 mi), Forest Hill (6 mi), and Burleson (7 mi).
ZIP codes we cover in and around Rendon
76028
