--- title: Who Has The Best Rates On Homeowners Insurance in Grapevine? description: If you are wondering who has the best rates on homeowners insurance in Grapevine, let us show you the answer. We work for you, and not a big company. image: https://www.insurancefortexans.com/hubfs/Stock%20images/Businessman%20drawing%20a%20red%20line%20through%20qr%20code%20in%20empty%20room.jpeg --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Who Has The Best Rates On Homeowners Insurance in Grapevine? Posted by [Ron Wadley](https://www.insurancefortexans.com/blog/author/ron-wadley) on Jun 10, 2020 9:03:56 PM ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) Find me on: [Facebook ](https://www.facebook.com/ron.wadley.3) [LinkedIn](https://www.linkedin.com/in/ronwadley/) [Twitter ](https://twitter.com/rdw0330) - [Tweet](https://twitter.com/share) Searching for homeowners insurance companies in [Grapevine](https://www.insurancefortexans.com/grapevine-home-insurance-0) usually equals people looking for the best rates.  Price usually brings people to the door, even agents who are looking for their own insurance.  No matter if we live north, east, west or south in the Metroplex, we are all in search for the better rate, and asking who has them is a question without a single answer.  It gets a bit more complicated depending on what kind of home you have. ## New Construction Brand new homes usually have the [lowest prices](https://www.insurancefortexans.com/blog/why-is-home-insurance-for-new-builds-so-cheap) for homeowners insurance across the Texas market. Why? New homes don't have a high likelihood of things breaking, therefore low probability of causing a claim. Although Texas [hail](https://www.insurancefortexans.com/blog/hail-insurance-for-your-home) is still a concern, the rest of the home is a usually a win for insurance companies to insure.  We have a lot of options from companies you may not have heard about since they don't spend a lot on marketing to put their name in lights.  ## Older Homes If you own a home that is [25 years or older](https://www.insurancefortexans.com/blog/will-my-older-home-be-difficult-to-insure), if you haven't made significant upgrades to plumbing, electric, HVAC and roof, you may find yourself with a home that is difficult to insure.  The price will cost more to insure than on a newer home.  Don't worry, we have a lot of great carrier options who will want to insure your home when other carriers balk.  Some of the larger carriers we deal with, e.g., Travelers, Nationwide and Encompass will be easier to insure you with although regional and smaller carriers may pass.  ## Out-of-Town Homes Because we like our space in Texas, many Texans have the opportunity to live on some acreage outside of the city limits. This is what makes our state great. We certainly have a lot of wide open spaces. One challenge regarding insuring that [place in the open](https://www.insurancefortexans.com/blog/does-texas-home-insurance-cost-more-outside-of-town), fire hydrants and departments aren't close and carriers don't like that.  However, Insurance for Texans does have access to personal farm and ranch policies that fill the gap.  If you enjoy living off the beaten path, at least you'll have a carrier that doesn't mind that risk.  ![High Value Homes Require Insurance With Specific Companies](https://www.insurancefortexans.com/hs-fs/hubfs/Stock%20images/Elegant%20dining%20room%20interior%20in%20exclusive%20mansion.jpeg?width=450&name=Elegant%20dining%20room%20interior%20in%20exclusive%20mansion.jpeg) ## [High Value Homes](https://www.insurancefortexans.com/blog/what-is-high-value-home-insurance-and-do-you-need-it) As a homeowner takes on a home worth a million dollars or more, there are different needs and wants to consider. You will want an insurance carrier that understands how to properly protect high value homes. Carriers like Chubb, AIG and Nationwide Private Client understand this market and needs. We work with these companies to make this experience as good as possible for high value home owning clientele.  ## Stranger Homes If you have a unique home, coverage can get difficult. What is strange?  Anything from a diving board on a pool, peacocks on property, to even running a business from your home.  Carriers usually surcharge for these situations. However, if you have access to a specialized company (we do), you won't have issue when it comes to filing a claim.  ## Who to Use? Working with an [independent insurance agent](https://www.insurancefortexans.com/blog/grapevine-independent-insurance-agent-0) like Insurance For Texans can make a huge difference when it comes to finding a great carrier to work with for your insurance needs.  Your home is usually your largest investment and you want to protect it properly. When it comes to claim time, you want a carrier which will do the right thing and pay properly to bring you back to even.  We want that for you and for us. Good experiences are great for our industry.  Let's talk today and make sure your bases are covered.  **[![Call Us: 469.789.0220 <>](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/6328f18f-27bc-4eac-9766-6311f3b3cba7.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/6328f18f-27bc-4eac-9766-6311f3b3cba7)** Topics: [home insurance](https://www.insurancefortexans.com/blog/tag/home-insurance), [older home](https://www.insurancefortexans.com/blog/tag/older-home), [Dallas/Fort Worth](https://www.insurancefortexans.com/blog/tag/dallas-fort-worth), [high value home](https://www.insurancefortexans.com/blog/tag/high-value-home), [new home](https://www.insurancefortexans.com/blog/tag/new-home), [Grapevine Home Insurance](https://www.insurancefortexans.com/blog/tag/grapevine-home-insurance) ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) About the Author ### Ron Wadley Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company. [Connect with Ron on LinkedIn](https://www.linkedin.com/in/ronwadley/) #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/who-has-the-best-rates-on-homeowners-insurance-in-dallas-ft-worth-0#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "dateModified" : "2020-06-11T02:03:56.797Z", "datePublished" : "2020-06-11T02:03:56.000Z", "headline" : "Who Has The Best Rates On Homeowners Insurance in Grapevine?", "image" : [ "https://www.insurancefortexans.com/hubfs/Stock%20images/Businessman%20drawing%20a%20red%20line%20through%20qr%20code%20in%20empty%20room.jpeg" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/who-has-the-best-rates-on-homeowners-insurance-in-dallas-ft-worth-0", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context": "https://schema.org", "@type": "BlogPosting", "headline": "Who Has The Best Rates On Homeowners Insurance in Grapevine?", "author": { "@type": "Person", "name": "Ron Wadley", "description": "Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company.", "url": "https://www.insurancefortexans.com/blog/author/ron-wadley", "sameAs": [ "https://www.linkedin.com/in/ronwadley/", "https://www.facebook.com/ron.wadley.3" ] } } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "image" : { "@type" : "ImageObject", "height" : "100", "url" : "https://2659071.fs1.hubspotusercontent-na1.net/hubfs/2659071/Ron%20Wadley-small%20dimension.png", "width" : "100" }, "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "datePublished" : "Jun 10, 2020 9:03:56 PM", "headline" : "Who Has The Best Rates On Homeowners Insurance in Grapevine?", "image" : "https://cdn2.hubspot.net/hubfs/2659071/Stock%20images/Businessman%20drawing%20a%20red%20line%20through%20qr%20code%20in%20empty%20room.jpeg", "publisher" : { "@id" : "https://www.insurancefortexans.com/#agency" } } ``` ```json { "@context" : "https://schema.org", "@type" : "Service", "description" : "Comprehensive residential property coverage for Texas homeowners.", "name" : "Texas Homeowners Insurance", "provider" : { "@id" : "https://www.insurancefortexans.com/#agency" } } ```