Best Homeowners Insurance in Texas

We have gathered information from around 120+ insurance firms to help you choose the most affordable home insurance rates in Texas
The top 5 home insurance companies in Texas
Home insurance prices in Texas
Home insurance deductibles in Texas
Texas home insurance costs by city
Home and auto insurance bundles in Texas

Everything about homeowners insurance in Texas

Home insurance in Texas costs only $2,203 every year or $181 per month which is 34% less than the national average. The most efficient way to find an inexpensive homeowners insurance policy in Texas is to buy and compare rates from as many insurance firms as you can. Have a look over the homeowners insurance rates in Texas in the given below table.
Keep in mind that your home insurance rates will vary, counting on your coverage limits

Homeowners Insurance Rates for Texas

Average Monthly Premium $182.25

Compare personalized homeowners insurance quotes from multiple companies in Texas now

The top 5 home insurance companies in Texas

Rates of Homeowners insurance in Texas will differ depending on which insurance firm you select. Texas Farm Bureau has the insurance cost of only $1,642 annually. As the state's average cost is $2,201, Texas Farm Bureau provides $564 less than the average policy costs statewide.
Check out the home insurance provided by the most inexpensive Texas insurance companies given below.

The 5 Most Affordable Homeowners Insurance Companies In Texas

Insurance CompanyAverage 12-Month Rate in Texas
Texas Farm Bureau$1,642
Liberty Mutual$2,563

Average Homeowners insurance Rates - Texas

Home insurance prices in Texas

Your chosen level of house owners coverage impacts the insurance premiums you pay. In Texas, the homeowners who maintain $100K of dwelling coverage pay $1,360 every 12 months, while those with dwelling coverage of $400K pay around $3,752 per annum.

Homeowners Insurance Rates In Texas — Common Coverage Tiers

Coverage LevelAverage Annual Premium
$100,000 Dwelling$1,360
$200,000 Dwelling$2,208
$250,000 Dwelling$2,556
$400,000 Dwelling$3,752

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Home insurance deductibles in Texas

Homeowners in Texas have to make tons of selections when buying a homeowners policy, which includes the quantity of their deductible. A homeowners deductible is called as the amount one who is accountable for paying in a loss. The level you select for a deductible can have an enormous impact on home insurance prices.
If you have lower deductible then your premium are higher. If you would like lower insurance prices, try to aim for a higher deductible. Keep in mind that your homeowners deductible shouldn't be set at an amount that you would have difficulty paying within the event of a loss.
The table given below contains the average rates and deductibles offered by most homeowners insurance firms.

Home Insurance Costs By Deductible Tier In Texas

Deductible LevelAverage Annual Homeowners Insurance Rate

Texas home insurance costs by city

Every city in Texas has different home insurance rates. The rates of the insurance policies depend on city-specific variables,which also includes the amount of claims filed according to their location. This means your ZIP code helps to decide how much you should pay.
Biggs Field a city in Texas provides the best home insurance rates. The average home insurance policy here in Biggs Field costs $1,486 per year which is $722 less than the other Texas cities.
Check out the cheap homeowners insurance in Texas given below.

Home and auto insurance bundles in Texas

If you want to save on insurance in Texas, consider carrying your home and auto policies with the same insurance company. Bundling homeowners and auto insurance in Texas can lead to substantial savings on car insurance. Purchasing bundled policies in Texas leads to a yearly discount of $119.

Home And Auto Insurance Bundling Discounts In Texas

Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)
Biggs Field$1,486
Fort Bliss$1,537
El Paso$1,549
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