Texas Homeowners Insurance

Shopping for homeowners insurance doesn’t need to be confusing. Compare rates from Texas by city and carrier below.

Find inexpensive home insurance in Texas


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A home insurance policy defends your dwelling, personal property, and other buildings in the event of an array of misfortunes, including wind damage, fire, theft, vandalism, and others.

Discrepancies exist in home insurance costs from state to state. Policy costs by state differ based on the number and total value of homeowners policy claims filed in that state, and also on the value of the belongings and dwelling you're insuring.

The best way to get cheap homeowners insurance in Texas is to get quotes from as many insurance companies as possible. Learn homeowners insurance costs in Texas via the below breakdown. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Home insurance in Texas:
  1. By insurance company
  2. By city
  3. Home-and-auto bundling discounts

Home insurance rates in Texas by carrier

Homeowners insurance rates in Texas vary based on the insurer you choose. Texas Farmers offers the most affordable homeowners policies in Texas, at only $261 per year. This beats the state average cost of $3,087, offering a $2,825 discount on the state's average rate.

Start your search for home insurance by reviewing the best Texas insurance companies, listed below.


HOME INSURANCE RATES IN TEXAS: BY COMPANY
InsurerAverage 12-Month Rate in Texas
Texas Farmers$261.37
ASI Lloyds$2,231.94
United$2,439.24
Safeco$2,816.48
Homeowners$3,053.56

Texas home insurance costs: by city

Homeowners insurance rates in Texas differ by city. Policy pricing may depend on city-specific variables like the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.

The best home insurance rates in Texas are in El Paso. An average home insurance policy in El Paso costs just $1,827 each year — $1,260 less than the average Texas rate. The below table shows the best places to live in Texas if you’re looking for cheap homeowners insurance.


CHEAPEST HOME INSURANCE CITIES IN TEXAS
CityAverage 12-Month Home Insurance Rate
El Paso$1,826.53
Austin$2,071.89
Killeen$2,072.35
San Antonio$2,162.14
Laredo$2,190.51

Money-saving tip: bundle home and auto insurance in Texas

To trim a few dollars from your insurance costs, consider holding your home and auto policies with the same insurance company. Bundling homeowners and auto insurance in Texas can save you a substantial sum each month on your auto insurance bill. Bundling policies in Texas leads to an a yearly discount of $117.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN TEXAS
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,781.00$1,664.00$117.007%

You can save money on insurance by bundling your home and auto policies. Start shopping today!


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