Fort Worth Homeowners Insurance

How to find affordable homeowners insurance in Fort Worth


Home insurance is an important part of owning a home. Along with personal property, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- purchasing home insurance is a wise investment.

The cost of homeowners insurance coverage factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your dwelling can also play a large role in how much you pay for home insurance. Some geographic areas are susceptible to perils such as hail, wildfires, pipe freezes, volcanoes, and other hazards. These perils can lead to more expensive homeowners insurance rates. Learn more information about what is covered by a homeowners insurance policy.

If you want to find cheap home insurance coverage in Fort Worth, start with looking around and comparing policies. Check out the below summary of 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 — contents:
  1. Rates by insurance company
  2. Rates by coverage amount
  3. Rates by ZIP
  4. Rates by deductible amount
  5. Policy 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 inexpensive home insurance in Fort Worth comes from Texas Farmers, which offers average annual rates of just $242 per year. This is more favorable than the city’s average homeowners premium of $3,741.

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


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

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. 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

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Fort Worth homeowners insurance prices by ZIP code

Not every area of Fort Worth has equal home insurance costs. 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 dramatically influence your home insurance rates.

The cheapest home insurance rates in Fort Worth are available in 76247. In 76247, the typical home insurance policy costs $3,246 per year — $495 less than the citywide average in Fort Worth. Find the best places to live in Fort Worth for cheap home insurance by looking at the following table.


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

On the other hand, some areas of Fort Worth face higher homeowners insurance costs, on average. These areas of the city could be more prone to perils such as theft, severe weather, or fires that present more risk for insurance companies. With an annual average premium of $4,611, 76130 comes in as the costliest ZIP code in Fort Worth for home insurance.


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

Home insurance deductibles in Fort Worth

Among the plethora of decisions faced by homeowners when purchasing an insurance policy is how high or low to set the deductible. A homeowners deductible is the amount you must pay out of pocket toward a covered loss. The deductible that you decide on can impact how much you pay in insurance premiums.

When deciding on a deductible, keep in mind that the higher your deductible is, the lower your premiums will be. This means that those aiming for lower insurance premiums will want to think about getting a higher homeowners deductible. Remember that your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The table below shows the average premium costs affiliated with standard homeowners deductibles.


HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL 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

To save a little money, you might think about bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance can be a good money-saving option. By bundling your policies, Fort Worth homeowners could see annual savings of 7% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME 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

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


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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 been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.