Houston, TX Homeowners Insurance

Explore expert tips on how to find affordable home insurance in Houston, Texas.

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How to find affordable homeowners insurance in Houston

 

Among the most important aspects of owning a home is homeowners insurance. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many perils, including wind damage, fire, and vandalism. Given the relatively frequent occurrence of these incidents and the significant cost of replacing a home, having a home insurance policy is a solid investment.

What you pay for homeowners 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 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. Discover more information about the specifics of home insurance coverage.

Finding cheap home insurance in Houston starts with shopping around and comparing policies. Have a look at the summary below comparing average Houston homeowners insurance rates to ensure you start your search with as much background info as possible. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.

 

Houston, Texas, homeowners insurance — 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 discounts

 

Homeowners insurance in Houston by company

What you pay for homeowners insurance in Houston will depend on the insurance company you get your policy through. 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.

Have a look at the cheapest insurance companies in Houston, Texas to find the best home policy for your needs. 

 

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

 

Average homeowners insurance prices in Houston by coverage level

How much you spend on home insurance coverage is greatly affected by the level of coverage you choose. In Houston, carrying $200K dwelling coverage costs an average of $2,861, while carrying additional coverage up to $400K costs $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

 

Houston home insurance rates by ZIP code

Not every area of Houston has equal home insurance premiums. 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.

To find the cheapest home insurance rates in Houston, look no further than 77339. In the 77339 area, homeowners policies typically cost just $3,209 per year — a full $598 less than the Houston average. The below table shows the best places to live in Houston if you’re looking for affordable homeowners insurance.

 

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

Other parts of Houston, however, have homeowners insurance costs that are higher on average. These parts of town could be more susceptible to perils such as theft, severe weather, or fires that present more risk for insurance companies. An average annual rate of $4,729 makes 77204 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

 

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. Fort Worth
  7. Garland
  8. Irving
  9. Laredo
  10. Lubbock
  11. Plano
  12. San Antonio

 

Home insurance deductibles in Houston

One of the multiple decisions that you will make when looking at homeowners insurance policies is where to set your deductible. A homeowners deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. The deductible chosen can impact how much you pay in insurance premiums.

When thinking about your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. This means that those aiming for lower insurance costs will want to think about getting a higher deductible. It's worth mentioning that your deductible should only be as high as you can reasonably pay in the case of an actual loss.

Take a look at the normal deductibles offered by insurers and an estimate of average insurance costs.

 

HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN HOUSTON
Deductible LevelAverage Annual Homeowners 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

You might want to consider purchasing your auto and homeowners policies through the same company if you are looking to save on overall insurance costs. Bundling homeowners and auto insurance can be a good money-saving option. Bundling policies in Houston could, in fact, lead to average annual savings of 7%.

 

CHEAPEST CAR INSURANCE RATES WITH HOME 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

 

Bundling your homeowners and auto policies can be a great way to save some money on insurance.

 

Compare quotes to find a home insurance policy today!

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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 master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.