San Angelo Homeowners Insurance

(How to find the best rates and coverage for your home)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.


If you're looking for a town with a lot of history, San Angelo, Texas, is the place to be. They have twenty-three originally restored fort structures and army posts. 

San Angelo is unique in western history and referred to as an oasis. If you have your own oasis in San Angelo, you'll want homeowners insurance. On, you can find a local independent insurance agent to help.

Is San Angelo, TX, a Safe Place to Own a Home?

Since San Angelo has a large population of 100,119 residents, it's slightly higher on burglaries per 1,000 households. The rate of crime in an area will have an impact on your homeowners insurance premiums. The carriers are looking for safe cities that file less crime-related claims. Let's take a look at the number of burglaries per 1,000 homes:

  • National average: 4.69
  • Texas average: 5.34
  • San Angelo average: 5.83

You can see that San Angelo has more burglaries than the state and national averages, which is all the more reason to have the right coverage. Contact your independent agent to discuss what limits your home policy needs. 

How the Crime Rate Affects Your Homeowners Premiums:

  • Higher crime rate: The carriers will charge more premiums to the insured's who live in a city with a higher crime rate. The insurance companies have to make up their losses from filed claims, and they will do this by spreading it across the board.
  • Lower crime rate: The lower your crime rate, the less you will be surcharged by the carriers on your policy. Since the carriers don't have to take on as much risk, they are more inclined to share the wealth and charge you less.

Common Homeowners Insurance Claims in San Angelo, TX

When you have a claim, your homeowners insurance policy should respond if you have adequate coverage. The most common claims reported in San Angelo, TX, are the following:

The number one claim reported in San Angelo is fire. If you have a house fire, the last thing you want to be questioning is your insurance coverage. To ensure you have the correct limits and property protection, discuss your home policy with your independent agent.

What about Flood Insurance in San Angelo, TX?

Flooding is number three on the most common claims reported list. If you are without this key policy, it may be time for a new agent. Contrary to popular belief, your homeowners insurance policy does not provide coverage for flood damage. A separate flood policy is needed to have any coverage. Take a look at three easy steps to get flood insurance:

1.) Have an independent agent obtain your home's elevation certificate, determining your flood zone.

2.) Have your independent agent run flood quotes with FEMA approved carriers.

3.) Obtain flood insurance from your independent agent.


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Liability Insurance for Your San Angelo, TX, Home

Liability insurance is the primary coverage on most homeowners insurance policies. It will protect against a lawsuit resulting from injury or property damage for you and your household members.

Types of Claims Your Liability Insurance Will Insure:

  • A tree falling on a neighbors property causing damage
  • Slander or bullying, online or in person, caused by you or a household member
  • A dog bite claim

The Cost of Homeowners Insurance in San Angelo, TX

Homeowners insurance cost is relative to the buyer. What is more expensive for you may be less expensive for your neighbor. Your premiums will also be customized to you and your home's specifications. If you are trying to compare your home rates to someone else's, it's like comparing apples to oranges. Let's take a look at the average home insurance premiums:

  • National average: $1,173
  • Texas average: $1,991
  • San Angelo average: $1,170

San Angelo comes in lower than both the state and national averages. This puts you in a good spot to own a home. Lower insurance rates are just one perk living in this historic town. Contact your San Angelo agent and find out what your home premium will be.

What Insurance Companies Look for When Rating Your Home Policy:

  • Address
  • Crime rates
  • Credit score
  • Insurance score
  • Loss history
  • Condition of the home
  • Square footage 
  • Year built and construction of the home

Connect with a San Angelo, TX, Independent Agent Today

If you're on the hunt for better home insurance at a fair price, an independent insurance agent can help. They have access to dozens of carriers and can find you the best rates in town.

An independent agent is local and knows San Angelo, so they can make sure all exposures are covered. Connect with an independent agent on to start the quoting process. 

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