For University Park residents: independent agents comparing homeowners quotes from 25+ carriers.
Home insurance prices in University Park
The typical homeowners insurance premium in University Park, TX is about $3,822 annually for a typical local home (typical local home value about $1,861,800). 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 36% lower — near $2,446 per year for a typical home, roughly $1,227 for a $300,000 home, about $1,726 for a $600,000 home, and around $2,246 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 University Park dwelling curve (typical local home value about $1,861,800). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for University Park, TX, using a typical local home value of about $1,861,800. 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.
What makes University Park, TX stand out
About 24,759 people live in University Park within Texas.
University Park is located in Texas, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of Texas, and replacement cost, roof age, and construction type still drive most premium differences from one house to the next.
In North Texas, homes are often rated for severe thunderstorms, hail, and tornado risk common across the Plains.
Homeowners coverage basics
This is the limit that pays to rebuild your home’s structure after a covered loss, and it should track local rebuilding costs today.
It covers detached features such as a garage, shed, fence, or similar buildings that sit apart from the main house.
It protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
When repairs after a covered claim make the house unlivable, it can cover the extra living costs.
This applies when you are legally responsible for bodily injury or property damage to others caused by a covered incident.
When a guest gets hurt on your property, this covers medical costs, usually without a liability claim being filed.
Discounts for University Park, 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% |
Carriers do not all offer the same discounts, and amounts differ too. Treat “up to” as the top end, not a guarantee.
Why University Park home insurance prices vary
Insurers build a University Park homeowners quote from several overlapping factors. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can move the final premium as much as which carrier you pick.
Replacement cost is the cost to rebuild the home with like-kind materials at today’s labor and supply prices. Larger rebuild estimates for University Park properties generally raise premiums because the carrier’s maximum payout rises with that figure.
Whether walls are frame or masonry, the roofing material, and overall build quality all influence how the home holds up against Texas’s wind, hail, and fire events, so construction type and roof details carry weight.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within University Park, so two homes with similar rebuild costs can still get different prices.
Fire protection matters as well: a nearby hydrant, quick fire-station response, and the local protection class can all help the premium.
Claims history still matters a lot: in University Park, claims in the last few years tend to increase pricing on both renewals and fresh quotes.
Credit-based insurance score also plays a role where it is permitted: carriers that use it generally offer lower premiums to applicants with better scores.
Bundling home and auto in University Park, TX
Illustrative average bundling savings, not a quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| University Park, Texas | $258 | $436 | $636 |
Neighborhoods in University Park
- Vickery Meadows
- North East Dallas
- Meaders
- The Laurel
- The Caruth
- Birchbrook Manor
- The Tradition
- Camden Greenville
- VENTANA
- The Newport
- The Village Park
- Summerset Village
- The Village Chase
- The Standard
- The Village Gate
- The Teak at the Branch
- The Village Meadow
What public data says about University Park homes
University Park’s median year built is 1990. Roughly 37% of homes were built before 1980, which means wiring, plumbing, and roof updates often come up in underwriting.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Very High”), winter-weather (“Very High”), and strong-wind (“Very High”) in Dallas County.
On tornadoes, NOAA lists 7 tornadoes starting within 10 miles of University Park over 2016–2025, the strongest rated EF3 in October 2019.
Occupied homes in University Park are heated mostly with utility gas (61%) and electricity (37%).
The NOAA Storm Events Database logged 15 hail reports within about 5 miles of University Park from 2016 through 2025; 9 were one inch or bigger. The biggest measured 1.5 inches in June 2019.
Since 2000, Dallas 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 7,444 housing units in University Park, and owner-occupants live in roughly 83% of the occupied homes. Looking at building types, 74% are detached single-family houses and 15% are in buildings with two or more units.
University Park traces its official start to 1924. The Census Bureau counted 23,324 people in University Park at the 2000 Census and 23,068 at the 2010 Census; its July 2024 estimate is 25,268. The population has stayed fairly steady since 2000.
Older NOAA hail logs add more history: SPC data show 60 hail reports within 5 miles of University Park between 1955 and 2015, topped by hail of 2.75 inches on April 19, 1982. Reports of 2-inch or bigger hail number 8 in that span. The NOAA Storm Prediction Center database shows 28 tornadoes that began within 10 miles of University Park from 1950 through 2015, the strongest an F3 on April 2, 1957. Along its full path, that storm was blamed for 10 deaths and 200 injuries.
Shopping around the area? See our home insurance pages for Highland Park (1 mi), Dallas (4 mi), and Farmers Branch (7 mi).
University Park-area ZIP codes we insure
75205
More Texas coverage pages
Request home insurance quotes in University Park, TX
In University Park, Freedom Insurance Group compares 25+ carriers. Reach us at (800) 253-1482 or request a home quote online.
