Denton Home Insurance

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Denton Home Insurance


Denton Homeowners Insurance Made Simple with Hassle-Free, Accurate Quotes!


How Much is Home Insurance in Denton, TX?

Homeowners in Denton, TX pay on average $2,400 a year for home insurance. 

Average Home Value in Denton, TX

The average home in Denton, TX is valued at $384,000

Comparing the Average Cost of Homeowners Insurance in Denton, TX By Dwelling Coverage Limit

Coverage Level Average Annual Premium
$75k Dwelling $1,643
$150k Dwelling $2,184
$200k Dwelling $2,534
$350k Dwelling $3,561


What Does Denton Home Insurance Cover?


These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..


Advantages of Securing Denton Home Insurance


  • Why use a single insurance carrier when you can receive more coverage options? At Woods Insurance Agency, we work with many top-rated providers to ensure that you get the most coverage options for the lowest rate to protect your home.
  • Woods Insurance Agency takes care of everything for you from start to finish to ensure your home insurance coverage process is as seamless as possible. We even work with your mortgage company to complete the process.


Zip Codes in Denton, TX That We Insure

Zip codes: 76201, 76205, 76207, 76208, 76209, 76210, 76226, 76227, 76249, 76258, 76259, 76266



Remember, Allstate, Farmers, and State Farm can only offer you their product.

Let us shop our companies for the best rates for you.  You can call our offices or click our links above or below to get a “no-hassle” quote on your Home, Auto, Boat, RV, Renters, Landlords, Life, Health, Commercial, Builders risk, plus much more.  We insure customers all across Texas!

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