San Antonio Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in San Antonio


Home insurance should be a critical consideration for every homeowner. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. Given the relatively frequent occurrence of these incidents and the sizeable cost of replacing a home, a homeowners insurance policy is a solid investment.

What you pay for homeowners insurance factors in variables such as the cost of building materials, the value of your personal belongings, and the overall value of the primary dwelling. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Learn more info about what a home insurance policy covers.

If you want to find cheap home insurance in San Antonio, start with shopping around and comparing a variety of different policies. . Have a look at the summary below comparing average San Antonio homeowners insurance costs to ensure you start your search with as much background info as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


San Antonio, Texas, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in San Antonio by insurance company

San Antonio homeowners insurance rates will vary depending on which insurance company you choose. 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.

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


AFFORDABLE HOME 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 costs in San Antonio by coverage level

Your chosen amount of homeowners coverage has an impact on 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 $1,256/year.


HOMEOWNERS INSURANCE RATES IN SAN ANTONIO — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$686
$400K Dwelling$1,256

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San Antonio home insurance rates by ZIP code

Depending on which part of San Antonio you live in, you might see vastly different 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. If you’re looking for the areas with the most affordable homeowners premiums in San Antonio, have a look at the table below.


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

Other areas of San Antonio, however, face homeowners rates that surpass the city average . These areas might face a higher risk 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 San Antonio is 78264, with an annual average rate of $2,249.


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



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

If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling home 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 AUTO INSURANCE RATES WITH HOME BUNDLE IN SAN ANTONIO
CompanyAvg. Annual Auto Insurance Rate (Bundle)
State Farm$1,157
USAA$1,242
Progressive$1,767
Allstate$1,892
GEICO$2,599

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. To speak with an insurance professional, call 855-493-9728 today.


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