Texas Homeowners Insurance Quotes
Texans pride themselves on being bigger and better, which is why Texas homeowners want to seek out the best homeowners insurance available when it comes to protecting their biggest investment. While finding the best home insurance in Texas might seem like a tall order, the agents at HomeownersInsurance.com are ready to deliver. Just complete one quick quote form and you'll be on your way to comparing multiple quotes from top carriers in the Lone Star state. Whether you’re in Dallas or Austin, our team of agents is fully dedicated to finding you the best policy with Texas-sized savings.
The latest Texas homeowners insurance quotes
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$460†||$1,388†||$513†||$899†||$1,042†|
|Lot Size||N/A||8,276 Sq Ft||8,216 Sq Ft||4,098 Sq Ft||45,738 Sq Ft|
|Square Feet||1,888 Sq Ft||1,681 Sq Ft||1,404 Sq Ft||1,207 Sq Ft||2,291 Sq Ft|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Electric||Central Electric||Central Electric|
Ready for a quote of your own? Simply enter your ZIP code in the form above or call 1-877-234-0731 now to get your own personalized Texas homeowners insurance quotes.
Home insurance premiums in Texas
The average Texas Home insurance premium in January 2015 was $1345.00. These values reflect average premiums on new sold policies by HomeInsurance.com. A standard home insurance policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Texas homeowners insurance rates can be volatile primarily because all four major weather problems fire, lightning, wind, and hail can strike the state. That's why TX residents from Plano to San Antonio should always be mindful of ways to save on home insurance. Insurance experts recommend that homeowners shop coverage once a year and take advantage of available discounts.
Here are some common discounts offered by home insurance carriers:
- Home and Auto Bundle This discount can offer discounts of up to 20% and the convenience of having your coverage with one provider.
- New Home If your Texas abode was built within the past 10 years, you could save up to 20%.
- Claims-free Haven't filed any home insurance claims within the past 10 years? You could save up to 20%!
- Alarm Systems Simply by keeping your family and home safer, you may be eligible for discounts of up to 10%.
That last one – having an alarm system – is particularly important in some Texas cities: Dallas, Fort Worth, Houston, and San Antonio all have higher than average burglary rates, according to the 2012 FBI Report on Offenses Known to Law Enforcement. Austin, El Paso, and Plano have rates lower than the national average.
Standard Texas Homeowners Insurance Coverage
- Dwelling: A standard Texas homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home if it is destroyed or damaged by a covered peril.
- Other Structures: Detached garages, sheds, and fences are protected from covered perils.
- Contents/Personal Property: Helps protect furniture, electronics, clothing, and other personal property.
- Loss of Use: If your home becomes uninhabitable because of a covered peril, this helps pay for alternative accommodations and living expenses while it's being repaired or rebuilt.
- Personal Liability Protection: Helps if someone is injured on your property and decides to sue.
- Medical Payments: Offers reimbursement for medical bills if someone other than you or a family member is injured on your property and doesn't file a lawsuit.
Will Your Coverage Weather the Storms in Texas?
Even the storms are bigger in Texas. In fact, the Weather Channel named Texas as the #1 most disastrous state in the U.S. Since 1953, the state has seen 86 presidentially declared weather disasters. From El Paso to Galveston, Texans experience tornadoes, floods, windstorms, wildfires, and regular coastal hurricanes. Houston is one of climatecentral.org's Top 5 Most Vulnerable U.S. Cities to hurricanes. While many of these perils are covered by standard home insurance policies, floods are not and some policyholders have opted out of wind coverage to cut their premium. With the unpredictable nature of Mother Nature, it's never a good idea to sacrifice coverage to cut costs.
Review your current policy and see what perils are covered and which are not. You may need to adjust your coverage to keep your home fully protected. If you live in an area prone to flooding, you should seriously consider purchasing a flood insurance policy through the National Flood Insurance Program. Check here to see if your community sits in a flood hazard zone.
For additional information about specific Texas homeowners insurance laws and regulations, visit the Texas Department of Insurance website.
|Cypress||Dallas||Deer Park||El Paso|
|Grand Prairie||Grapevine||Haltom City||Houston|
|Pearland||Plano||San Angelo||San Antonio|
|Sheppard AFB||South Houston||Spring||Stafford|