El Paso Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in El Paso


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. With the relative frequency of such events -- along with the high cost of rebuilding or repairing damages to a home -- getting homeowners coverage is a sound investment.

The price of a homeowners insurance policy factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. Location also plays a role in determining the price of your homeowners insurance policy. In areas prone to perils likefrozen pipes, hail, windstorms, or wildfires, home insurance policies may be more expensive to account for the extra risk. Discover more about what a home insurance policy covers.

If you want to find cheap home insurance in El Paso, start with shopping around and comparing a variety of different policies. . Take a look at the summary below showing average home insurance premiums in El Paso to begin your home insurance search with as much knowledge as you can. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


El Paso, Texas, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in El Paso by insurance company

What you pay for homeowners insurance in El Paso will depend on the insurance company you get your policy through. Texas Farmers offers the most affordable home insurance in El Paso, at just $195 per year. This compares favorably to the city’s average homeowners premium of $1,826.

Begin your search for a home insurance policy by reviewing the cheapest companies in El Paso, Texas, listed below.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN EL PASO
CompanyAverage Annual Rate
Texas Farmers$195
United$837
Safeco$1,066
ASI Lloyds$1,104
Travelers$1,149

Average homeowners insurance costs in El Paso by coverage level

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay . Homeowners in El Paso who carry $200K in dwelling coverage pay an average of $1,345 per year, while those with coverage up to $400K pay around $2,313 per year.


HOMEOWNERS INSURANCE RATES IN EL PASO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,345
$400K Dwelling$2,313

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El Paso home insurance rates by ZIP code

Home insurance costs can vary depending on what part of El Paso in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically impact your home insurance premium.

If you're looking for the most affordable homeowners coverage in El Paso, take at look at the 79906 ZIP code. In the 79906 area, homeowners coverage usually costs just $1,752 a year, which isa full $75 less than the overall average for El Paso. If you’re looking for the areas with the least costly homeowners premiums in El Paso, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN EL PASO
ZIP CodeAverage Annual Home Insurance Rate
79906$1,752
79910$1,762
79968$1,762

On the other hand, some areas of El Paso face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up area rates. With an annual average premium of $1,889, 79927 comes in as the costliest ZIP code in El Paso for homeowners insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN EL PASO
ZIP CodeAverage Annual Home Insurance Rate
79927$1,889
79907$1,877
79905$1,870



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Looking for a money-saving tip for insurance in El Paso? Try bundling

You might want to consider purchasing your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in El Paso leads to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN EL PASO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$1,097
USAA$1,232
Progressive$1,672
Allstate$1,868
GEICO$2,451

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. To speak with an insurance expert, call 855-493-9728 today.


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