Homeowners Insurance in Dallas Texas
Your home is one of your biggest investments—and in a dynamic city like Dallas, Texas, protecting that investment requires more than a one-size-fits-all policy. Whether you’re in a North Dallas neighborhood, a downtown condo, or a family home in Oak Cliff, homeowners insurance in Dallas, Texas helps safeguard your property and peace of mind. At Royalty Insurance, we offer local, personalized protection for the homes Dallas families rely on every day.
Explore your options with Royalty Insurance and see how tailored coverage can protect what matters most to you.
Home Insurance Quotation Dallas Texas
Let’s get you covered. Start your home insurance in Dallas Texas quote online in minutes or contact our local team for expert support. With Royalty Insurance, peace of mind is always just a call away.
Best Home Insurance in Dallas Texas
Dallas is no stranger to unpredictable weather and rising property values. From severe hailstorms and flash floods to break-ins or accidental fires, local homeowners face a variety of risks throughout the year. That’s why it’s critical to have coverage that fits your specific situation.
Royalty Insurance provides flexible options, including:
- Dwelling coverage to repair or rebuild your home
- Personal property coverage for stolen or damaged belongings
- Liability protection in case someone is injured on your property
Whether you’re located in Preston Hollow, Bishop Arts, or Lake Highlands, our Dallas homeowners insurance policies are built around the needs of your home—and your lifestyle.
Homeowners Insurance Quotes Dallas Tx
To get the best home insurance quotes, please fill out this quote or give us a call and we can give you a quote on the phone and answer all your questions at the same time.
Homeowners Insurance Rates Dallas TX
Several factors influence your homeowners insurance rate in Dallas, including:
- ZIP code: Homes in areas with higher theft rates or storm exposure may cost more to insure
- Property value: Dallas has seen steady home price increases, especially in the last five years
- Construction materials: Brick homes may cost less to insure than frame structures
- Weather risks: Hail, high winds, and summer heat can all affect claim likelihood
- Proximity to fire stations or flood zones also plays a role
Royalty Insurance helps you understand each factor—and find smart ways to reduce your premium without sacrificing protection.
Dwelling Insurance
Covers repair or rebuilding costs if your home is damaged by fire, wind, hail, or other covered perils.
Personal Property Insurance
Pays for damage to your vehicle after a crash with another car or object.
Liability Coverage Insurance
Covers legal and medical expenses if someone is injured on your property or if you accidentally damage someone else’s.
Flood Insurance
While not included in standard policies, these can be added for homes in risk zones—especially near White Rock Lake or low-lying areas near the Trinity River.
Compare Homeowners Insurance Dallas Texas
When you compare homeowners insurance in Dallas, look at coverage limits, exclusions, and claims satisfaction — not just the premium. We streamline the comparison process so you can confidently choose the right policy.
Compare top carriers with Royalty and find coverage tailored to your home and lifestyle.
Homeowners Insurance Companies in Dallas Texas
Dallas is served by numerous homeowners insurance companies, but choosing the right one requires comparing coverage, claims service, and local expertise. We partner with leading insurers to bring you trusted options.
Shopping car insurance can be hard, now knowing exactly what you need, so how do you best shop for auto insurance? Give us a call at: 972-801-9188
Royalty has a wide variety of home insurance carriers available at a better rate including:
Texas Home Insurance Requirements
Texas does not mandate homeowners insurance by law, but mortgage lenders typically require it. Understanding Texas home insurance requirements helps ensure you meet lender expectations and protect your investment.
Review your requirements with Royalty Insurance to stay compliant and fully protected.
Dallas Texas Homeowners Insurance Quote
To get the best homeowners insurance quotes, please fill out this quote or give us a call and we can give you a quote on the phone and answer all your questions at the same time.
Here are some of the cities we have to offer service in:
Home Insurance and Auto Insurance Bundle Dallas Texas
Bundling home insurance and auto insurance in Dallas can lead to significant discounts and simplified policy management. Our team evaluates bundle options across multiple carriers to maximize your savings and coverage.
See how bundling with Royalty can streamline your policies and save you money.
Dallas Texas Homeowners Insurance Frequently Asked questions
What is the average cost of homeowners insurance in Dallas, Texas?
Homeowners in Dallas typically pay between $1,800 and $2,400 annually, depending on the home’s age, value, and location.
Is flood insurance required in Dallas?
Flood insurance isn’t required citywide, but it’s strongly recommended in areas near the Trinity River, Turtle Creek, or other flood-prone zones. A separate policy can be added for extra protection.
What does standard homeowners insurance cover?
Most standard policies cover your home’s structure, personal belongings, liability claims, and additional living expenses due to covered events like fire, wind, or theft. Flood and earthquake protection must be added separately.