Houston Homeowners Insurance

Find affordable homeowners insurance in Houston


Home insurance is an important part of owning a home. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including fire, wind damage, vandalism, and theft. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, homeowners coverage is a solid investment.

The cost of home insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils like hail, frozen pipes, volcanoes, or fire, home insurance rates may be higher to account for the extra risk. Discover more about the specifics of home insurance coverage.

Finding affordable home insurance in Houston starts with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance premiums in Houston to help you get as much information as possible when you start your search for homeowners insurance. 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.


Houston, Texas, homeowners insurance — table of contents:
  1. Rates by insurer
  2. Rates by coverage level
  3. Rates by neighborhood
  4. Rates by deductible level
  5. Policy bundling discounts

Home insurance in Houston by company

Homeowners insurance rates in Houston vary from one insurance company to another. Texas Farmers offers the most affordable home insurance in Houston, at just $363 per year. This compares favorably to the city’s average homeowners premium of $3,808.

Begin your search for a home insurance policy by reviewing the cheapest companies in Houston, Texas, listed below.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN HOUSTON
CompanyAverage Annual Rate
Texas Farmers$363
ASI Lloyds$1,122
Allstate$1,868
United$2,926
USAA$3,615

Average homeowners insurance costs in Houston by coverage amount

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. Homeowners in Houston who carry $200K in dwelling coverage pay an average of $2,861 per year, while those with coverage up to $400K pay around $4,353 per year.


HOMEOWNERS INSURANCE RATES IN HOUSTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$1,541
$200K Dwelling$2,861
$250K Dwelling$2,951
$400K Dwelling$4,353

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Houston homeowners insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what part of Houston 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.

The cheapest home insurance rates in Houston are available in 77339. In 77339, the typical home insurance policy costs $3,209 per year — $598 less than the citywide average in Houston. Find the best places to live in Houston for cheap home insurance by looking at the following table.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN HOUSTON
ZIP CodeAverage Annual Home Insurance Rate
77339$3,209
77095$3,423
77070$3,442

Other areas of Houston, it should be noted, face homeowners rates that surpass the city average . Fire risks, crime rates, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up the area's insurance costs. With an annual average premium of $4,729, 77204 comes in as the most expensive ZIP code in Houston for homeowners coverage.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN HOUSTON
ZIP CodeAverage Annual Home Insurance Rate
77204$4,729
77058$4,642
77598$4,610

Homeowners insurance deductibles in Houston

One of the many decisions available when shopping for homeowners policies is the amount of your deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Choosing where to set your deductible can have a major impact on how much you pay for homeowners insurance.

Put simply, having a higher deductible translates to lower insurance premiums. Therefore, you may want to think about setting a higher deductible if you aim to pay lower rates. It's worth mentioning that a homeowners deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following table shows the typical rates associated with most deductibles.


HOME INSURANCE COSTS BY DEDUCTIBLE LEVEL IN HOUSTON
Deductible LevelAverage Annual Home Insurance Rate
$500$3,121
$1,000$2,951
$1,500$2,879
$2,000$2,672
$5,000$2,357

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

If you’re looking for ways to save on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling your homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Houston homeowners could see annual savings of 7% on average.


CHEAPEST AUTO INSURANCE RATES WITH A POLICY BUNDLE IN HOUSTON
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,247
USAA$1,357
Progressive$2,028
Allstate$2,218
GEICO$2,896

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


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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.