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

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