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Texas Home Owner Insurance Quotes

Getting competitive pricing on Texas home insurance doesn't need to take days or even hours. At HomeownersInsurance.com you can compare up to 4 quotes on your homeowners insurance to find the best rates on the most competitive coverage around. Within minutes, we can find a policy that works for you and get you setup the very same day. Finally, you've found your one stop shop for the lowest rates on the best home insurance coverage.

Average homeowner's insurance rates in Texas were $1052.00 in December 2011. It seems that rates have increased since November 2011 when average Texas home insurance rates were around $1025.00.

It's important to review your policy regularly to make sure you are taking advantage of all available discounts. A HomeownersInsurance.com agent can talk to you about the discounts available and see if you are missing out on important savings. While reviewing your discounts, we will also make sure you are adequately covered.

Standard Texas Home Insurance Coverages

Coverage
A

Dwelling: This coverage protects your home in the event it is damaged due to a covered claim. Coverage A could provide for a partial repair or a total replacement of your home under a standard Texas homeowners insurance policy.
B

Other Structures: A standard Texas home insurance policy provides coverage for other structures such as sheds or fences if damaged due to a covered claim.
C

Contents/Personal Property: Typically a Texas homeowners insurance policy provides coverage for your personal belongings inside your home if lost or damaged due to a covered peril.
D

Loss of Use: If your home is uninhabitable due to a covered claim, this coverage would provide for you to stay elsewhere while your Texas home is being repaired or rebuilt.
E

Personal Liability Protection: In Texas, this coverage would provide protection in the event you cause injuries or damages to other people or their property that do not live in your household.
F

Medical Payments: Medpay offers coverage if someone who is not a household member, is injured on your property. Your Texas homeowners insurance would provide up to the limits stated in your policy.

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For additional information about specific Texas homeowners insurance laws and regulations, visit the Texas Department of Insurance website.

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