Allen Homeowners Insurance

(And how to find the coverage you need.)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Allen Texas homeowners insurance

The city of Allen is known for having the first train robbery in Texas. With PGA-designed golf courses and 68 miles of biking trails, Allen is an outdoor delight. 

If you own a home in this lively city, you'll want to have homeowners insurance. Click on this independent insurance agent tool to find a local agent who can help you with that. 

Property Crimes in Allen, TX and Your Homeowners Insurance

If your city is safe, your insurance company will reward you with lower rates. Unfortunately, you don't have that much control over Allen's crime rate, but you can have the right coverage. Let's look at the numbers:

  • Number of burglaries per 1,000 households in the US: 4.69
  • Number of burglaries per 1,000 households in TX: 5.34
  • Number of burglaries per 1,000 households in Allen: 1.15

The town of Allen is one of the safest in Texas. Your insurance rates will be less expensive because of less crime, which is a great reason to live there. 

When it comes to having the right coverage for a break-in, your policy should respond. Typically, it will provide insurance for the replacement or repair of stolen or damaged belongings. It can also cover additional living expenses if you have to stay in a hotel because of a burglary. Get with your independent agent on coverage options in Allen.

Catastrophes and Your Allen, TX Home Insurance

Homeowners insurance can provide coverage for perils like severe weather and catastrophes. If a natural disaster strikes, you'll want to be adequately protected. Let's take a look at catastrophic events in Texas:

  • The average number of tornadoes: 146.7
  • The most common natural disasters: Wildfires and residential fires
  • The number of federally declared catastrophes since 1953: 254

Your homeowners policy has to be done right the first time. With Texas having higher-than-average numbers of catastrophic events, you'll need to be prepared for anything. If you are aware of the most common claims reported in the area, you can make sure you're covered.

Top 5 Most Common Claims in Texas:

#1 - Wildfires and residential fires

#2 - Flooding and water damage

#3 - Hurricanes and tropical storms

#4 - Burglary and property crimes

#5 - Severe storms and lightning damage

How Does Flood Insurance Work for Your Allen, TX Home?

Your primary home policy excludes coverage for flooding. That means that the only water claims covered are those from a pipe bursting. If water flows into your home, or even from another building or sewer line, your policy will not respond. 

The best course of action to protect against this second most common claim is to have flood insurance. You can obtain coverage through your independent agent. Your agent will pull your elevation certificate to determine your flood zone. Then they can run quotes through FEMA-approved carriers. 

According to FEMA, damage from just an inch of floodwater can result in over $25,000 in repair costs. Flood insurance is worth the price to save yourself from out-of-pocket expenses. Contact your Allen agent to get a flood insurance quote. 


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What Does Liability Insurance Cover for Your Allen, TX Home?

Your personal liability insurance can save you from a variety of claims. Most are common and happen more than you may think. Liability coverage will protect you and members of your household from a lawsuit. Here are some isituations that liability coverage will protect against:

  • Injuries sustained by a guest or trespasser
  • Injuries or property damage caused by a household member
  • Accusations of slander against a household member
  • A dog bite

The Price to Insure Your Allen, TX Home

Homeowners insurance premiums are different for everyone. Rates are individualized and specific to you and your home. If you are not sure what your cost should even look like, take a peek at the averages:

  • National annual average: $1,173
  • Texas annual average: $1,991
  • Allen annual average: $1,479

It's good to have a baseline of what premium averages are to know where your costs lie. There are several rating factors that insurance companies use to determine your rates. Review some price-determining factors below:

  • Crime rates in your area
  • Your credit score
  • Coverage you select 
  • Year, square footage, and construction type of your home
  • Replacement cost of your home
  • Carrier discounts that may apply

Texas is ranked #5 among the most expensive states for home insurance in the US. Luckily, Allen comes in lower than the state average on premium. To know your exact costs, get with your Allen independent agent to go over pricing.

How to Insure Your Airbnb in Allen, TX

Any home that is not your primary residence will need different coverage. That's because you maybe be occupying it only part-time or renting it out. Take a look at other types of homeowners policies:

  • Landlord insurance will protect your interests as the owner, covering loss of use if a claim arises. It will also protect the property itself, and any liability claims that may occur.
  • Seasonal home insurance will cover a family vacation home. Since you may only occupy this property for part of the year, carriers take that into account and charge accordingly. This policy will usually coverage options that are similar to your primary home insurance.

An Independent Agent in Allen, TX

If you are on the hunt for the right home insurance, you'll want a trusted adviser in your corner. An independent insurance agent can find coverage and pricing that fits your needs.

Since an independent agent works with several carriers, they can shop for your home insurance to find the best option. Connect with an Allen independent agent on in minutes.

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