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How to find affordable 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 average homeowners policy costs $312 per month in Fort Worth, Texas. This is more than double than the national average.

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.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings
 

Fort Worth home insurance by 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 homeowners insurance companies in Fort Worth, Texas to find the right home policy for you.  Then, see our guide discussing the best home insurance companies ranked by customer satisfaction, third-party ratings, and other factors. 

 
AFFORDABLE HOME INSURERS IN FORT WORTH
Company Average Annual Rate
Texas Farmers $242
ASI Lloyds $2,914
Safeco $3,128
State Farm $3,174
United $3,187
 

Fort Worth homeowners insurance prices by coverage level

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.

 
POPULAR COVERAGE LIMITS IN FORT WORTH
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
 

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 HOME INSURANCE AREAS IN FORT WORTH
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.

 
EXPENSIVE HOME INSURANCE AREAS IN FORT WORTH
ZIP Code Average Annual Home Insurance Rate
76130 $4,611
76164 $4,476
76179 $3,881
 

Fort Worth homeowners insurance deductibles

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.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN FORT WORTH
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
 

Home and auto insurance bundling in Fort Worth

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

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.