San Antonio, TX Homeowners Insurance
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 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.
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.
| Company | Average Annual Rate |
| Texas Farmers | $261 |
| Safeco | $1,587 |
| United | $1,722 |
| ASI Lloyds | $1,727 |
| Travelers | $1,998 |
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.
| Coverage Level | Average Annual Rate |
| $100,000 Dwelling | $966 |
| $200,000 Dwelling | $686 |
| $250,000 Dwelling | $1,786 |
| $400,000 Dwelling | $2,611 |
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.
| 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.
| ZIP Code | Average Annual Home Insurance Rate |
| 78264 | $2,249 |
| 78206 | $2,245 |
| 78205 | $2,231 |
Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous Texas cities:
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.
| 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 |
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%.
| Company | Avg. Annual Auto Insurance Rate (With 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.
