Older housing stock, mixed ownership, value tier around $320K. Homeowners, landlord, and renters — we write all three.
Home insurance in Irving, TX comes down to a few things: a majority-renter market with aging owner-occupied stock, DFW’s hail exposure, and how your roof is valued at claim time. Texas homeowners pay among the highest premiums in the country — about $3,899 a year on average (Bankrate, June 2026), roughly 61% above the national average, and Irving's older owner-occupied roofs keep rates elevated. Bome Home Insurance Group is an independent, Lewisville-based agency serving Irving that compares multiple A-rated carriers to match owners and renters with the most competitive premium available, with a quote back within 24 hours.
| Typical home value | ~$315,600 (U.S. Census ACS); ~$367,000 (NeighborhoodScout) |
|---|---|
| Median year built | 1970-99 core |
| Ownership | ~38% owner-occupied - the metro's most renter-heavy city |
| Texas average premium | ~$3,899/yr — ~61% above the national averageSource: Bankrate, June 2026 |
| 1% wind/hail deductible | ~$3,200 at a $320,000 dwelling limit |
| 2% wind/hail deductible | ~$6,400 at a $320,000 dwelling limit |
| DFW hail frequency | 3–5 significant events/yr; 2023 storms ~$7–10B insured TX losses (95% hail)Source: Insurance Information Institute, 2023 |
| Hail/wind claim deadline | 1 year from the date of lossTex. Ins. Code §542A.003 |
| Coverage basis to confirm | RCV vs. ACV — the gap widens on roofs 15+ years old |
Last updated: June 2026.
Irving is the most renter-heavy city we serve in the metroplex, with owner-occupancy down near the bottom of the DFW range. That makes it a three-policy market: homeowners for the owner-occupants, landlord (DP-3) for the owners who rent out, and renters insurance for the tenants in those properties. We quote all three — often in the same conversation.
On the owner-occupied side, the headline issue is housing-stock age. A lot of Irving homes are 40 to 50 years old now, which puts roofs, plumbing, and electrical on carrier watchlists. The job is finding the carriers that still treat those homes fairly instead of pricing them out.
DFW averages 3 to 5 significant hail events per year. The 2023 DFW hailstorms alone produced an estimated $7–10 billion in insured Texas losses (95% from hail), and Texas led the country with 1,123 hail events that year.
Most Texas policies require wind and hail claims to be reported within one year of the storm — check your policy's deadline. On older roofs paid at actual cash value, depreciation can shrink the carrier's payout below the actual repair bill. We model both scenarios at your home's real numbers before you sign.
Most of our clients save $300–$800 a year when we bundle home and auto with the same carrier. For Irving households with two cars and a clean loss history, the savings tend to land toward the higher end of that range.
We quote it both ways — bundled and stand-alone — and show you the math. If bundling isn't your best deal, we'll say so.
Irving rents at higher rates than most of DFW. We write renters policies for tenants and landlord policies for the owners of those properties — often in the same conversation. One agent, the whole property.
There's no single price - your premium depends on your roof age, dwelling limit, and claims history. As a benchmark, Texas homeowners pay about $3,899 a year on average (Bankrate, June 2026), and Irving's older owner-occupied roofs keep rates elevated. Because we're independent, we compare multiple A-rated carriers to find your most competitive premium.
An older roof isn't automatically uninsurable, but on Irving's 1970-99 core homes many carriers move older roofs to actual cash value (ACV) instead of replacement cost value (RCV) - paying the depreciated value rather than the cost to replace. We confirm which basis a policy uses before you bind so there's no surprise after a storm.
Your wind and hail deductible is typically 1-2% of your dwelling coverage, separate from your standard deductible. On a $320,000 Irving home, that's roughly $3,200 to $6,400 out of pocket before a hail claim is covered.
Yes. Irving has a large renter population, and your landlord's policy covers the building, not your belongings or your personal liability. Renters insurance is one of the least expensive policies we write, and it bundles with auto.
Yes. A homeowners (HO-3) policy is for the owner-occupant; a property you rent out belongs on a landlord policy (sometimes called DP-3), which covers the building, loss of rental income, and your liability as the landlord. We can quote both - and a renters policy for your tenant if you require one.