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How to find affordable homeowners insurance in San Antonio

Home insurance should be a critical consideration for every homeowner. Along with your home furnishings and other belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. With the relative frequency of such events -- and the high cost of rebuilding or repairing a home -- getting homeowners coverage is a sound investment. The average homeowner's policy costs $218 per month in San Antonio, Texas. This is higher than the national average.

The price of a homeowners insurance policy 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 info about the specifics of home insurance coverage.

If you want to find cheap homeowners insurance in San Antonio, start with shopping around and comparing what different companies offer. Check out the below summary of average home insurance premiums in San Antonio to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance premiums may vary based on your coverage limits and other 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
 

San Antonio home insurance by company

What you pay for homeowners insurance in San Antonio will depend on the insurance company you get your policy through. The most inexpensive home insurance in San Antonio comes from Texas Farmers, which offers average annual rates of just $261 per year. This is more favorable than the city’s average homeowners premium of $978.

Below you'll find a list of the cheapest home insurance companies in San Antonio, Texas to help you begin your search. Then check out our guide to the top home insurance companies based on the results of The Zebra's Customer Satisfaction Survey.

 
AFFORDABLE HOME INSURERS IN SAN ANTONIO
Company Average Annual Rate
Texas Farmers $261
Safeco $1,587
United $1,722
ASI Lloyds $1,727
Travelers $1,998
 

San Antonio homeowners insurance prices by coverage level

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In San Antonio, carrying $200K dwelling coverage costs an average of $686, while carrying additional coverage up to $400K costs $2,611/year.

 
POPULAR COVERAGE LIMITS IN SAN ANTONIO
Coverage Level Average Annual Rate
$100,000 Dwelling $966
$200,000 Dwelling $686
$250,000 Dwelling $1,786
$400,000 Dwelling $2,611
 

San Antonio home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what area of San Antonio in which you live. One of the factors that insurers use when pricing your coverage is the number of claims filed in your surrounding area. As such, the location of your house can drastically influence your home insurance premium.

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. If you’re looking for the areas with the least costly homeowners insurance in San Antonio, have a look at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN SAN ANTONIO
ZIP Code Average Annual Home Insurance Rate
78266 $1,889
78260 $2,081
78261 $2,084

Other areas of San Antonio, it should be noted, face homeowners rates that surpass the city average . Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. One of the costliest ZIP codes for homeowners coverage in San Antonio is 78264, with an annual average rate of $2,249.

 
EXPENSIVE HOME INSURANCE AREAS IN SAN ANTONIO
ZIP Code Average Annual Home Insurance Rate
78264 $2,249
78206 $2,245
78205 $2,231
 

San Antonio homeowners insurance deductibles

One of the many choices available when looking at homeowners insurance policies is how high to set your deductible. A deductible is how much your insurance requires you to pay out of pocket toward a claim. Where you choose to set your homeowners deductible is directly related to 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. As such, if you want to keep your insurance rates low, aim for a higher deductible. Bear in mind that your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

The following chart shows the typical premium costs affiliated with deductibles offered by most home insurers.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN SAN ANTONIO
Deductible Level Average Annual Home Insurance Rate
$500 $1,902
$1,000 $1,786
$1,500 $1,729
$2,000 $1,598
$5,000 $1,383
 

Home and auto insurance bundling in San Antonio

To save a little money, you might consider bundling your homeowners and auto insurance policies through the same company. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in San Antonio could, in fact, lead to average annual savings of 7%.

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

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.