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Home Insurance in Bedford, TX
From build years to owner-occupancy, the makeup of Bedford’s housing explains much of what insurers ask. This guide starts with the homes themselves.
The Bedford housing stock in numbers
Detached houses represent about 53% of the housing in Bedford, where 51% of households own their home. Apartments and other buildings of five or more units account for roughly 34% of homes here, which makes renters and condo coverage common needs.
Older, newer and in between: Bedford homes
Census estimates put the median construction year for homes in Bedford at 1983. About 38% of homes went up before 1980, while 13% were built in 2000 or later. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
$4,752/yr
About $396/mo · ~$300k-$400k dwelling class
$2,699/yr
About $225/mo after modeled shopping discount
About 43.2% below local market estimate
How much coverage a Bedford home needs
Census data shows a median home value of $350,700 in Bedford. It tracks the county median of $323,900 fairly closely. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Bedford homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Your belongings. A room-by-room photo inventory makes claims faster.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Guest medical coverage that can head off a liability claim.
Hazards Bedford homes are exposed to
In FEMA’s National Risk Index, Tarrant County carries an overall rating of relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and winter weather (very high). NOAA’s Storm Events Database logs 465 hail reports in Tarrant County from 2016 through 2025. In 380 cases the hail was an inch across or bigger. The largest reported hail was 5 inches on June 12, 2023.
Since Tarrant County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Local resources for Bedford homeowners
The Tarrant County appraisal district (www.tad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909.
The county for Bedford is Tarrant County. In the federal metro delineation, Tarrant County anchors the Dallas-Fort Worth-Arlington metro. Head about 10 miles from Bedford and you reach Arlington, the nearest larger city.
FAQ: Bedford home insurance
How old are homes in Bedford, and does that change my rate?
The median home was built in 1983, and about 38% predate 1980, per Census estimates. Many homes from this era are on a second roof, so the roof’s age and material are key rating factors.
Should I insure my Bedford home for its market value?
Not necessarily. The Census median home value in Bedford is $350,700, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
How much could I save by shopping my Bedford policy?
On this page we model a 43.2% gap between the local market estimate and our estimate for Bedford. It is not a quote, and actual savings can be higher, lower or zero.
How do I check what the appraisal district has on file for my Bedford home?
Search your address on the Tarrant appraisal district site, www.tad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Request a Bedford homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Benchmarks: Tarrant County value, Tarrant County build year
- Census metro delineation
- Census Gazetteer files
- NOAA NCEI storm reports, Tarrant County
- Comptroller economic regions
- Comptroller county directory, Tarrant County
- Texas Windstorm Insurance Association
- National Risk Index (FEMA), Tarrant County
- American Community Survey 2020–2024, Bedford city: home value, tenure, structure type, population, median year built, year built