Commonly Asked Questions about Homeowners Insurance in Texas

Texas is rated number 3 on the list for most expensive home insurance. This great state has an average homeowners insurance rate of $1,893 per year, coming in higher than the national at $1,211 annually. Your coverage could be more or less depending on your varying risk exposures. 

A standard Texas homeowners insurance policy will come with coverage for the following:

  • Replacement cost of dwelling 
  • Personal property 
  • Other structures
  • Personal liability 
  • Medical payments to others
  • Additional living expenses

In Texas, there is not a state law that mandates homeowners insurance for your property. There is, however, a requirement when you have a mortgage, lender, or additional lienholder against your home. With Texas having 7,247,618,000 home insurance claims paid in one year alone, coverage is crucial to avoid financial devastation.

The cost of your Texas home insurance policy will vary, but how it's calculated will not. Each carrier uses similar guidelines when determining how much you'll pay for coverage. From local crime rates to natural disasters, you'll be graded on numerous items. In Texas, the burglary rate per 1,000 people is 4.11, which can impact your home insurance pricing.

Yes, currently Texas has 1,791 independent insurance agencies that can search local markets. They are licensed and have dozens of carrier options so you only have to go to one place. 

Each state comes with a list of carriers that do business in the area. Some of the best Texas home insurance companies are Travelers, Progressive, State Auto, and Safeco. These carriers are easy to work with due to their fast customer service and competitive rates.

Do You Know What Your Texas Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Corpus Christi$141,3006.53$1,996
El Paso$127,7001.61$1,345
Fort Worth$169,4005.04$2,051
Grand Prairie$164,0002.52$1,826
San Antonio$148,2005.92$1,901
  1. $196
  2. Houston, TX Monthly average home insurance cost
  3. The average monthly cost of home insurance in Houston is $196. Keep in mind, however, that homeowners insurance rates can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in your house’s construction, the crime rate in your ZIP code, and even your credit score.
  4. When hurricanes and tropical storms make landfall along the Gulf Coast, residents of Houston often experience heavy winds and torrential downpours. Sometimes these storms generate tornadoes in the area.
  5. Although homeowners insurance will cover the damage caused by severe storms, it will not cover against any accompanying flood damage. Since flooding is a concern for many residents of this city, it is a good idea to supplement your home insurance with a flood insurance policy through the National Flood Insurance Program (NFIP). 

  1. $158
  2. San Antonio, TX Monthly average home insurance cost
  3. On average, property owners in San Antonio pay $158 a month for their home insurance. Of course, San Antonio is a big city, and some neighborhoods are more expensive than others when it comes to home insurance. Homeowners in Champions Ridge are likely to pay significantly higher rates than those in Leon Valley.  
  4. Hailstorms can be a problem in San Antonio. In April 2016, this city was hit by one of the most damaging hailstorms in Texas history. Stones measuring up to 4-1/2 inches in diameter caused around $1.6 billion in damage to area homes, vehicles, and businesses.
  5. If hail causes damage to your roof, windows, or siding, how will you pay for repairs? With San Antonio homeowners insurance, you can have peace of mind knowing that your home can be returned to normal without you needing to face a large personal expense. 

  1. $186
  2. Dallas, TX Monthly average home insurance cost
  3. The average monthly cost of home insurance in Dallas is $186. Of course, what you may actually be expected to pay may differ from this amount depending on a number of factors. Your rate will be calculated according to things like the size of your house, the crime rate and weather risks in your ZIP code, your claims history, and sometimes even your credit rating. 
  4. One of the most common hazards faced by homeowners in Dallas is property crime. This city has one of the highest burglary rates in the state. Fortunately, your home insurance covers against property loss and damage to your house if you are the victim of a property crime like burglary or vandalism.
  5. If your house is broken into, first make sure you and your family are safe and then call the authorities. You will need a copy of the police report when you file a claim.

  1. $260
  2. Austin, TX Monthly average home insurance cost
  3. Homeowners in Austin pay an average of $260 a month for their home insurance. Of course, Austin has a lot of different neighborhoods and your house is not the same as every other in your ZIP code. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size and value of your home, the age of your roof, your claims history, and the size of your deductible. Your quoted rate for home insurance may therefore be higher or lower than this average.
  4. One of the most devastating things that can happen to a homeowner is a house fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings, including furniture, clothing, electronics, kitchenware, and family heirlooms. Fortunately, whether the fire is caused by an accident like an unattended candle or a wildfire tearing through the area, your home insurance has you covered.
  5. Because fire can lead to a total loss, it is important that you make sure that your dwelling coverage is sufficient to enable you to rebuild your home and that your contents coverage is high enough to cover the cost of replacing your lost or damaged property. 

  1. $171
  2. Fort Worth, TX Monthly average home insurance cost
  3. The average monthly cost of home insurance in Fort Worth is $171. Because your homeowners insurance is completely customized according to details about you and your home, your monthly premium may be higher or lower than this average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate. 
  4. Severe storms in Fort Worth have been known to cause significant damage to area homes. Whether due to lightning strikes, heavy winds, hail, or toppled trees, this damage can be extremely expensive to repair. Sometimes, area storms even generate tornadoes in the Fort Worth area, which can be particularly devastating.