San Antonio Homeowners Insurance

How to find affordable homeowners insurance in San Antonio


One of the most important aspects of homeownership is home insurance. Along with personal property, 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, homeowners coverage is a solid investment.

The cost of homeowners insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance rates may be higher to account for the extra risk. Discover more info about what is covered by a homeowners insurance policy.

Finding affordable home insurance in San Antonio starts with shopping around and comparing policies. Take a look at the summary below showing average San Antonio 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.


San Antonio, Texas, homeowners insurance — contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Bundling discounts

Homeowners insurance in San Antonio by company

What you pay for homeowners insurance in San Antonio will depend on the insurance company you get your policy through. Texas Farmers offers the most affordable home insurance in San Antonio, at just $261 per year. This compares favorably to the city’s average homeowners premium of $978.

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


CHEAP HOMEOWNERS INSURANCE COMPANIES IN SAN ANTONIO
CompanyAverage Annual Rate
Texas Farmers$261
Safeco$1,587
United$1,722
ASI Lloyds$1,727
Travelers$1,998

Average homeowners insurance rates in San Antonio by coverage levels

Your chosen level of homeowners coverage impacts the insurance premiums you pay . In San Antonio, carrying $200K dwelling coverage costs an average of $686, while carrying additional coverage up to $400K costs $2,611/year.


HOMEOWNERS INSURANCE RATES IN SAN ANTONIO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100K Dwelling$966
$200K Dwelling$686
$250K Dwelling$1,786
$400K Dwelling$2,611

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San Antonio homeowners insurance rates by ZIP code

Not every area of San Antonio has equal home insurance costs. 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 San Antonio are available in 78266. In 78266, the typical home insurance policy costs $1,889 per year — $-911 less than the citywide average in San Antonio. Find the best places to live in San Antonio for cheap home insurance by looking at the following table.


AFFORDABLE NEIGHBORHOODS FOR HOMEOWNERS INSURANCE IN SAN ANTONIO
ZIP CodeAverage Annual Home Insurance Rate
78266$1,889
78260$2,081
78261$2,084

On the other hand, some areas of San Antonio face higher homeowners insurance costs, on average. Such areas might face a higher risk of perils such as severe weather and fires. Similarly, they may also have a higher rate of crimes such as burglary or vandalism. With an annual average premium of $2,249, 78264 comes in as the most expensive ZIP code in San Antonio for home insurance.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN SAN ANTONIO
ZIP CodeAverage Annual Home Insurance Rate
78264$2,249
78206$2,245
78205$2,231

Homeowners insurance deductibles in San Antonio

Among the numerous choices faced by homeowners when buying an insurance policy is where to set the deductible. The deductible is the total dollar amount that the insured must contribute toward a covered loss. Choosing where to set your deductible is a major determiner of how much you pay for homeowners insurance.

When picking a deductible, bear in mind that the higher your deductible is, the lower your premiums will be. This means that those aiming for lower insurance costs will want to seriously consider a higher homeowners deductible. Remember that your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

The chart below outlines the average premiums affiliated with standard homeowners deductibles.


HOMEOWNERS INSURANCE PREMIUMS BY DEDUCTIBLE IN SAN ANTONIO
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$1,902
$1,000$1,786
$1,500$1,729
$2,000$1,598
$5,000$1,383

Money-saving tip: bundle home and auto insurance in San Antonio

You might want to consider purchasing your auto and homeowners policies through the same company if you are searching for the best overall prices. Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in San Antonio could, in fact, lead to average annual savings of 7%.


CHEAPEST AUTO INSURANCE RATES WITH A POLICY BUNDLE IN SAN ANTONIO
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$1,157
USAA$1,242
Progressive$1,767
Allstate$1,892
GEICO$2,599

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


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.