Texas Homeowners Insurance

Your Guide to Buying Homeowners Insurance in Texas

Find the right homeowners insurance for you.

Generalizations about the Lone Star State are hard to make. Texas is the second largest and most populous state in the nation. Geography includes miles of shoreline, dense forests, vast prairies, and even desert.

Texas is unquestionably large and diverse, so you might guess that average insurance rates probably won’t tell you much about what you’ll pay to cover your home and property. A local Trusted Choice® member agent can simplify the purchase of a policy that will fit your needs. These agents can track down several Texas home insurance quotes, compare plans, and provide excellent customer service.

  • National yearly premium average: $1,132
  • Texas yearly premium average: $1,947
  • 2nd most expensive premium in the US

Note that Texas average yearly premium rates are quite a bit higher than they are in the nation. This does not necessarily mean that your premiums will very high, however. The price of coverage will vary by ZIP code, home value, and many other factors. The owner of a beach house in Galveston will have different concerns than the owner of a high-rise condo unit in Dallas.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

What Does Texas Homeowners Insurance Cover?

State residents purchase insurance to protect their homes and pocket books from hazards. Consider some of these common hazard claims in Texas compared to the rest of the United States:

Number of Catastrophes in Texas and the US

  • National number of catastrophes: 19,033
  • Number of catastrophes in Texas: 1,935
  • National number of tornadoes: 1,233
  • Number of tornadoes in Texas: 221
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Texas: $1,026,150,000

Texans suffer their share of catastrophes, and tornadoes in particular. Texas endures more tornadoes than any other state, and its damage claims are the second highest in the nation.

Number of Thefts in Texas

  • National average for burglaries: 37,814
  • Texas number of burglaries: 190,898

Texans have a high likelihood of filing a burglary claim at one point or another, especially in certain parts of the state. Burglars may steal property and damage your home when they try to break in. Typical Texas homeowners insurance policies will provide a package of protection that will cover the contents of your home as well as its physical structure.

Many insurers will suggest installing a good burglar and fire alarm system. They may even offer discounted rates when you take these steps to protect your loved ones, house and personal property.

Where Can Residents Find Texas Home Insurance Quotes?

Texas is serviced by dozens of different insurers. An independent agent in the Trusted Choice network can compare multiple insurers to help you find the best coverage at the right price.

Most Texans do not want to spend days finding competitive rates and plans. An independent agent will be willing to take on this job, make expert suggestions, and then help you make claims if you have damage to your house and property.

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