Insurance
Homeowners Insurance in Dallas
Published September 24, 2026 · Last updated September 30, 2026
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The short answer
Texas homeowners paid about $2,397 a year on average in 2022, the 3rd highest in the country, and hail is a big reason. In Dallas, the two numbers that matter most on your policy are your wind and hail deductible and how your roof is covered.
A roof built to resist hail may also earn you a credit on your premium.
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Hail and your deductible
Many Texas policies have a separate deductible for wind and hail. It's often a percentage of your home's coverage, not a flat dollar amount.
Example: a 2% wind and hail deductible on a home insured for $350,000 means you pay the first $7,000 of a hail claim.
Always ask for your deductible in dollars. A lower percentage costs more up front but can save you thousands after a big storm.
How your roof is covered
Your roof is often the biggest part of a hail claim. Ask how your policy pays for it:
- Replacement cost pays what it costs to replace the roof today.
- Actual cash value takes off for the roof's age. On an older roof, that can leave you paying a large share yourself.
Some policies pay replacement cost on the house but actual cash value on the roof. Read that part of your quote closely.
Impact-resistant roofs can earn a credit
Texas rates roofing by how well it holds up to hail, from Class 1 to Class 4. Class 4 is the toughest. Many insurers give a premium credit for impact-resistant roofing when the installer fills out a state certificate (Form PC068) that you send to your insurer.
If you're replacing your roof, ask your insurer how much the credit would be before you choose a material. See Texas roofing laws.
Hiring a roofer after a storm
Texas law protects you. A roofer can't waive, absorb, or rebate your deductible, and can't handle your insurance claim for you. If one offers, that's a red flag. Call your insurance company first, before you sign anything.
Foundation cracks
Foundation movement is a common worry in North Texas. Most homeowners policies don't cover settling, cracking, or shifting over time. They may cover foundation damage from a sudden covered event, like a burst pipe. Ask what your policy says. See foundation repair.
If no one will insure you
The Texas FAIR Plan offers coverage to homeowners who can't get a policy from regular insurers.
What changes your price in Dallas
- Your roof's age and material.
- Your wind and hail deductible.
- Your home's rebuild cost.
- Your claims history.
- Your ZIP code.
Not a quote or an offer. Your price comes from the insurance company.
What to ask before you choose
- "What's my wind and hail deductible in dollars?"
- "Is my roof covered at replacement cost or actual cash value?"
- "Would a Class 4 roof lower my premium? By how much?"
- "Does this policy cover foundation damage from a plumbing leak?"
- "Is my home covered at replacement cost?" See how much homeowners insurance you need.
The catch: the cheapest Dallas quotes often pair a high percentage hail deductible with actual cash value on the roof. After one bad storm, that combination can leave you paying most of a new roof yourself.
Keep reading
Protect your car too: see Dallas car insurance. Replacing your roof? See roof replacement cost.
More home insurance guides: Homeowners insurance cost · Condo insurance · Renters insurance · Landlord insurance · Mobile home insurance · Flood insurance · Umbrella insurance · How much homeowners insurance you need · Renters insurance basics · How to get renters insurance · All insurance
More Texas guides: Texas homeowners insurance · Houston homeowners insurance · Dallas car insurance · Texas roofing laws
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Related services
Renters Insurance
Compare renters coverage options for an apartment or rental home.
Condo Insurance
Explore condo coverage options alongside your association policy.
Landlord Insurance
Explore coverage options for a property you rent out.
Flood Insurance
Explore flood coverage, which standard home policies usually exclude.
Sources
- NAIC homeowners report (2022 data), via Insurance Information Institute
- Texas Department of Insurance, Roofing and insurance: Know the law
- Texas Department of Insurance, Products qualifying for impact-resistant roofing credits
- Texas Department of Insurance, Form PC068
- Texas Department of Insurance, Texas FAIR Plan Association overview