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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:
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.
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
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