Houston Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Houston


Home insurance should be a critical consideration for every homeowner. Fire, vandalism, theft, and wind damage are just a few of the perils for which homeowners coverage can protect your dwelling and personal property. Events like this occur often. When paired with the high cost of repairing or rebuilding a home, purchasing an expansive homeowners policy can seem like a great move.

What you pay for homeowners insurance is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your 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. Learn more information about the specifics of home insurance coverage.

If you want to find cheap home insurance coverage in Houston, start with looking around and comparing what different companies offer. Take a look at the summary below showing average homeowners insurance premiums in Houston to begin your homeowners insurance search with as much info as you can. 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:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Houston by insurance company

Homeowners insurance rates in Houston vary from one insurance company to another. The most affordable home insurance in Houston is Texas Farmers offering average annual rates at just $363 per year. This is considerably cheaper than the city’s average homeowners premium of $3,808.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Houston, Texas.


CHEAP HOME 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 level

Your chosen level of homeowners coverage has an impact on the insurance premiums you pay . In Houston, carrying $200K dwelling coverage costs an average of $2,861, while carrying additional coverage up to $400K costs $5,088 per year.


HOMEOWNERS INSURANCE RATES IN HOUSTON — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,861
$400K Dwelling$5,088

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Houston home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what area 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.

If you're looking for the cheapest home insurance premiums in Houston, take at look at the 77339 ZIP code. In the 77339 area, homeowners policies typically cost just $3,209 per year on average — a full $598 less than the overall average for Houston. The below table shows the best places to live in Houston if you’re looking for affordable homeowners insurance.


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

Other areas of Houston, however, face homeowners rates that are higher than the city average . These areas might face a higher danger of perils such as severe weather and fires. Similarly, they may also have a higher amount of crimes such as burglary or vandalism. One of the costliest ZIP codes for homeowners insurance in Houston is 77204, with an annual average rate of $4,729.


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



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Money-saving tip: bundle home and auto insurance in Houston

If saving money is your main concern, it might be worth insuring your home and auto through the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. In fact, bundling policies in Houston leads to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN HOUSTON
CompanyAvg. Annual Auto Insurance Rate (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. To speak with an insurance expert, reach out to us at 855-493-9728 today.


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