Plano Homeowners Insurance
Learn how to find the right homeowners insurance for you.
Written by
Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.
This large city is more than just another Dallas suburb. It has also been listed as one of the best U.S. cities on more than one occasion by CNN's Money Magazine. If you live here, you want to be certain that you find the right Plano, TX homeowners insurance to protect your valuable house and property.
Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.
Cost of Homeowners Insurance in Texas
- National yearly premium average: $1,034
- Texas yearly premium average: $1,661
- 3rd most expensive premium in the US
The premium you will pay on your Plano homeowners insurance policy will depend upon a number of factors including the value of your home, the amount and type of coverage you want, along with other factors.
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Plano Homeowners Insurance Coverage Types
There are many basic coverage types available for home owners in the city. You can review the details for any specific policy you plan to purchase with a local agent. Here are some common items that you will find coverage for in a standard homeowners policy:
- Building property
- Home contents
- Liability insurance
- Relocation assistance or “loss of use”
Be aware that home polices may exclude damage from certain types of incidents. Typical policies do not cover water damage, and you might need to purchase a separate flood insurance policy. Plano is a participating community in the National Flood Insurance Program, so ask a local agent how to obtain coverage.
Number of Catastrophes in Texas and the US
- National number of catastrophes: 19,033
- Number of catastrophes in Texas: 1,935
- National number of tornadoes: 1,233
- Number of tornadoes in Texas: 221
- National property damage from weather: $5,511,270,000
- Property damage from weather in Texas: $1,026,150,000
Plano has been struck by tornadoes, floods, and hail within the last few years. While you may not associate a suburban area with wildfires, most fires actually start inside of homes. That is why your agent may suggest a variety of coverage in order to fully protect your house.
Theft in Texas
- National average for burglaries: 37,814
- Texas number of burglaries: 190,898
One of the reasons that Plano made so many lists of "best U.S. cities" is because it is considered fairly safe. However, burglaries and vandalism do occur as you can see from the high number of burglaries in Texas. So, it is prudent to protect your house and property as well as you can.
- Burglar alarms have been demonstrated to reduce insurance claims.
- Many top insurers will offer a discount if their clients install home security systems.
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Our independent agents shop around to find you the best coverage.
Plano Home Insurance Quotes
Like all home owners, residents of this large and diverse suburb need to find the right home policy to protect their homes and personal property. A Trusted Choice network agent will help you by offering coverage suggestions, competitive Plano home insurance quotes, and personal service after you purchase a policy.
Most families consider their homes to be their biggest asset. You can always contact a Trusted Choice network agent to learn more about Plano homeowners insurance.