2026 Market Report · DFW

What North Texas Homeowners Are Actually Paying for Insurance in 2026.

Most quotes you see online are guesses. This report is built from the real numbers — 1,003+ DFW home insurance quotes and conversations with 300+ local homeowners. No fluff, no theory. The actual market.

1,003+ Quotes Analyzed
300+ Homeowners
$3,271 Avg Premium
  • What you should expect to pay by city and home value
  • Which carriers are actually competitive in DFW right now
  • The 4 endorsements most homeowners are missing
  • The deductible math the carriers don't explain
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A Look Inside

What the Numbers Actually Say

Three findings from the report that surprised even us.

$3,271
Average annual home insurance premium across DFW in 2026
based on 1,003+ quotes
$2,380
Premium gap between Southlake and Denton for similar homes
city-by-city data
$0
Average net savings from bundling auto + home in 2026
it's not what you think

Top Carriers by DFW Quote Frequency

Which carriers are actually being shopped — and which are winning

Rank Carrier Share of Quotes Avg. Premium
1 Travelers 27% $3,142
2 Progressive 22% $3,489
3 Safeco 14% $3,210
4 Carrier Name 00% $0,000

Download the full report to see every carrier and city breakdown

Inside the Report

Seven Chapters. Zero Fluff.

Built from real quote data, real client conversations, and 10+ years writing policies in North Texas.

01

The 2026 DFW Market in 60 Seconds

What changed, what didn't, and what every homeowner needs to know going into 2026.

02

What People Are Actually Paying

City-by-city premium breakdowns from 1,003+ real quotes. No estimates.

03

Who's Quoting What

The carrier pipeline data — which insurers are competing for DFW homeowners and at what rates.

04

The 4 Endorsements Most Homes Are Missing

Water backup, service line, and roof replacement cost — what they cost, what they cover.

05

The Deductible Math

Percentage deductibles converted to real dollars — and what most homeowners are actually agreeing to.

06

The Bundle Question

Is bundling auto + home still worth it in 2026? The real math, not the marketing pitch.

Behind the Report

Why Scott Neill Wrote This

Over 300 North Texas homeowners have sat down with Scott Neill to review their policies. Most of those conversations end the same way: "I had no idea this is what I was paying for."

This report is the conversation Scott has been having one-at-a-time for a decade, written down. Real DFW market data, plain explanations of what the coverages actually do, and an honest answer to whether you're paying the right number for the right policy.

No pitch. No pressure. Just the information you should have had when you bought your home.

10+ Years writing DFW policies
40+ Carriers we work with
300+ Homeowners reviewed

Neill Insurance Brokers

Phone (682) 237-7975
Email service@neillinsurance.com
Web neillinsurance.com
Service Area All of DFW

Get the report. Read it in 20 minutes. Know more than 95% of DFW homeowners.

It's free. It's specific. And it's based on the actual market — not the brochure version.