Home insurance is an important part of owning a home. Along with your personal belongings, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. With the relative frequency of such perils -- and the high cost of rebuilding or repairing damages to a home -- having a home insurance policy is a sound investment.
The cost of homeowners insurance coverage depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more information about what your homeowners insurance policy covers.
If you want to find cheap home insurance in Fort Worth, start with shopping around and comparing different policies. Take a look at the summary below showing average Fort Worth homeowners insurance rates to ensure you start your search with as much background info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.
Homeowners insurance rates in Fort Worth vary from one insurance company to another. 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.
Take a look at the cheapest insurance companies in Fort Worth, Texas to find the right homeowners policy for you.
| Company | Average Annual Rate |
| Texas Farmers | $242 |
| ASI Lloyds | $2,914 |
| Safeco | $3,128 |
| State Farm | $3,174 |
| United | $3,187 |
The level of home coverage you select has an impact on your insurance rates. In Fort Worth, carrying $200K dwelling coverage costs an average of $2,753, while carrying additional coverage up to $400K costs $4,501/year.
| Coverage Level | Average Annual Rate |
| $100,000 Dwelling | $1,623 |
| $200,000 Dwelling | $2,753 |
| $250,000 Dwelling | $3,071 |
| $400,000 Dwelling | $4,501 |
Homeowners insurance costs can vary depending on what part of Fort Worth in which you live. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.
If you're looking for the most affordable homeowners insurance premiums in Fort Worth, take at look at the 76247 ZIP code. In the 76247 area, homeowners coverage usually costs just $3,246 a year, which isa full $495 less than the Fort Worth average. If you’re looking for the areas with the most affordable homeowners premiums in Fort Worth, have a look at the table below.
| ZIP Code | Average Annual Home Insurance Rate |
| 76247 | $3,246 |
| 76177 | $3,544 |
| 76102 | $3,634 |
Other areas of Fort Worth, however, face homeowners rates that surpass the city average . These parts of town could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. One of the costliest ZIP codes for homeowners coverage in Fort Worth is 76130, with an annual average rate of $4,611.
| ZIP Code | Average Annual Home Insurance Rate |
| 76130 | $4,611 |
| 76164 | $4,476 |
| 76179 | $3,881 |
Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous Texas cities:
One of the multiple decisions available when buying a homeowners insurance policy is the amount of your deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. Choosing your deductible impacts how much you pay for homeowners insurance.
When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. As such, if you want your insurance rates to stay low, aim for a higher deductible. Be mindful of the fact that your deductible should only be as high as you can reasonably pay in the event of a covered loss.
Below you'll find some commonplace deductible options offered on most home policies along with corresponding average insurance costs.
| Deductible Level | Average Annual Homeowners Insurance Rate |
| $500 | $3,275 |
| $1,000 | $3,071 |
| $1,500 | $2,976 |
| $2,000 | $2,730 |
| $5,000 | $2,369 |
One way to save on insurance costs is to think about bundling your homeowners and auto insurance policies through the same company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. In fact, bundling policies in Fort Worth leads to average annual savings of 7%.
| Company | Avg. Annual Auto Insurance Rate (With Bundle) |
| State Farm | $1,103 |
| USAA | $1,168 |
| Progressive | $1,669 |
| Allstate | $1,799 |
| GEICO | $2,680 |
Bundling your homeowners and auto policies can be a great way to save some money on insurance.
