Fort Worth Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find cheap home insurance in Fort Worth


A critical consideration for every homeowner should be their home insurance coverage. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such events -- along with the high cost of rebuilding or repairing a home -- obtaining homeowners insurance is a sound investment.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more information about what your homeowners insurance policy covers.

If you want to find inexpensive home insurance in Fort Worth, start with shopping around and comparing different policies. Have a look at the summary below comparing average Fort Worth homeowners insurance rates to ensure you start your search with as much background info as possible. 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.


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

Home insurance in Fort Worth by insurance company

Fort Worth homeowners insurance rates will vary depending on which insurance company you choose. The most affordable home insurance in Fort Worth is Texas Farmers offering average annual rates at just $242 per year. This is considerably cheaper than the city’s average homeowners premium of $3,741.

Below you'll find a list of the cheapest homeowners insurance companies in Fort Worth, Texas to help you start your search.


CHEAP HOME INSURANCE COMPANIES IN FORT WORTH
CompanyAverage Annual Rate
Texas Farmers$242
ASI Lloyds$2,914
Safeco$3,128
State Farm$3,174
United$3,187

Average home insurance costs in Fort Worth by coverage level

The level of home coverage you select has an impact on your insurance premiums. Homeowners in Fort Worth who carry $200K in dwelling coverage pay an average of $2,753 per year, while those with coverage up to $400K pay around $4,828 per year.


HOMEOWNERS INSURANCE RATES IN FORT WORTH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,753
$400K Dwelling$4,828

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Fort Worth home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what part of Fort Worth in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, your home's location could have a huge impact in what you pay for homeowners coverage.

If you're looking for the cheapest homeowners insurance premiums in Fort Worth, take at look at the 76247 ZIP code. In the 76247 area, homeowners policies typically cost just $3,246 a year — a full $495 less than the overall average for Fort Worth. If you’re looking for the areas with the most affordable homeowners insurance in Fort Worth, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN FORT WORTH
ZIP CodeAverage Annual Home Insurance Rate
76247$3,246
76177$3,544
76102$3,634

Some parts of Fort Worth, however, have homeowners insurance costs that are higher on average. Such areas might face a higher danger of perils such as fires or severe weather events. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. One of the costliest ZIP codes for homeowners insurance in Fort Worth is 76130, with an annual average rate of $4,611.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN FORT WORTH
ZIP CodeAverage Annual Home Insurance Rate
76130$4,611
76164$4,476
76179$3,881



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Looking for a money-saving tip for insurance in Fort Worth? Try bundling

If you’re searching for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling home and auto insurance can be a good money-saving option. Bundling policies in Fort Worth could, in fact, lead to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN FORT WORTH
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$1,103
USAA$1,168
Progressive$1,669
Allstate$1,799
GEICO$2,680

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. To speak with an insurance professional, call 855-493-9728 today.


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