The Dallas-Fort Worth
Home Insurance
Market Report 2026
What North Texas homeowners are actually paying — real premiums, real carriers, real rate drivers, and whether bundling is worth it. Built from more than 1,000 DFW homeowners insurance quotes.
across DFW
homeowners
HO premium
- What DFW homeowners actually pay — by city, zip, and carrier
- Which carriers quote most and which ones win on price
- The 6 specific factors that drive your rate up or down
- Whether bundling home and auto saves money (the real data)
- The 3 endorsements most policies are missing
- The deductible number every North Texas homeowner needs to know
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Real Numbers.
North Texas Specific.
Not national averages adjusted for Texas. Real homeowners insurance quotes from DFW families — the data that actually answers what you’re paying and why.
DFW Carrier Quote Volume — All Time
From 1,330+ Quotes| Carrier | Quotes Run | Market Share | Avg Premium | Best For |
|---|---|---|---|---|
| Travelers Personal Lines | 360 | 27% | $3,266 | Standard DFW homes, clean roof |
| Progressive | 297 | 22% | $1,589 | Auto primary, bundle packages |
| Safeco | 106 | 8% | $3,466 | Mid-value when Travelers prices high |
| Mercury Insurance | 81 | 6% | $2,115 | Budget-conscious standard profiles |
| TWICO | 79 | 6% | $3,863 | Comprehensive water/sewer coverage |
| Allstate | 62 | 5% | $2,498 | Selectively competitive profiles |
Everything in the Report
Seven sections built from real DFW quote and policy data. No fluff. No national averages. No generic advice.
Scott Neill
Neill Insurance Brokers
Scott Neill spent a decade as a captive Farmers agent before founding Neill Insurance Brokers as an independent agency in Roanoke, Texas. As an independent broker, he works with more than 40 top-rated carriers — Travelers, TWICO, Safeco, Progressive, Mercury, Allstate, and more.
The data in this report comes from real homeowners insurance quotes run for North Texas families — not national surveys or industry estimates. After speaking with more than 300 North Texas homeowners, Scott built this report to answer the questions he gets asked most: what should I expect to pay, is my carrier competitive, and is bundling actually worth it?
The answer is always the same: it depends on your specific home, roof, history, and carrier fit. The report gives you the data to have that conversation with the right information in hand.
A free 15-minute policy review covers your deductible in dollar terms, your endorsements, your dwelling coverage vs. current rebuild cost, and whether your carrier is still competitive. No obligation.
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