Fort Worth, TX Homeowners Insurance

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How to find cheap homeowners insurance in Fort Worth


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.


Fort Worth, Texas, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Bundling discounts

Home insurance in Fort Worth by insurance company

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.


AFFORDABLE HOMEOWNERS 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 homeowners insurance rates in Fort Worth by coverage amount

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.


HOMEOWNERS INSURANCE RATES IN FORT WORTH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$1,623
$200,000 Dwelling$2,753
$250,000 Dwelling$3,071
$400,000 Dwelling$4,501

Fort Worth home insurance rates by ZIP code

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.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN FORT WORTH
ZIP CodeAverage 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.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN FORT WORTH
ZIP CodeAverage 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:

  1. Arlington
  2. Austin
  3. Corpus Christi
  4. Dallas
  5. El Paso
  6. Garland
  7. Houston
  8. Irving
  9. Laredo
  10. Lubbock
  11. Plano
  12. San Antonio

Home insurance deductibles in Fort Worth

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.


HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE TIER IN FORT WORTH
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$3,275
$1,000$3,071
$1,500$2,976
$2,000$2,730
$5,000$2,369

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

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%.


CHEAPEST AUTO INSURANCE PREMIUMS WITH A POLICY BUNDLE IN FORT WORTH
CompanyAvg. 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.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.