Get the Best Texas Home Insurance Quotes
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Texas homes face unique weather risks, from hail storms to hurricanes. Protecting your property with the right home insurance isn’t just smart—it’s essential. On this page, you’ll learn what Texas home insurance covers, how much it costs, and how to find your best rate.
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What Does Home Insurance Cover in Texas?
Standard Texas homeowners insurance typically protects your dwelling, personal property, and liability. That means you’re covered if your home is damaged by fire, windstorms, hail, theft, or vandalism. Most policies also pay for additional living expenses if your home becomes unlivable due to a covered loss.
- Dwelling: Repairs or rebuilds your house if damaged by covered perils.
- Other Structures: Garages, sheds, and fences.
- Personal Property: Covers belongings inside your home (furniture, clothes, electronics).
- Liability: Pays if someone is injured on your property.
- Loss of Use: Helps cover living costs if your home is being repaired after a disaster.
Typical Exclusions: Floods and earthquakes are NOT covered by standard policies. You’ll need separate coverage for these risks.
Average Cost of Home Insurance in Texas
Texas homeowners pay some of the highest insurance rates in the U.S.—typically between $2,900 and $4,400 per year, depending on your home’s location, age, value, and coverage choices.
What is the average annual premium for homeowners insurance in Texas?
The state average is about $3,700 per year, which is over 100% higher than the U.S. average.
| Coverage Level | Avg. Annual Premium | Avg. Monthly |
|---|---|---|
| $250K dwelling | $3,875 | $323 |
| $300K dwelling | $4,176 | $348 |
Since 2019, rates in Texas have spiked 54.5 %, driven by severe weather and inflation in construction costs.
What factors contribute to the higher average cost in Texas?
Main factors include frequent storms, hail, hurricanes, and the cost to rebuild homes.
Extreme Weather Events
Texas is no stranger to severe weather. From powerful thunderstorms and large hail to hurricanes along the Gulf Coast, natural disasters are both frequent and unpredictable. These events often cause extensive property damage, leading insurers to raise premiums to cover increased risks.
High Risk of Flooding
Many regions in Texas are prone to flash floods, especially during hurricane season. While standard homeowners insurance doesn’t typically cover flooding, the high risk still impacts overall insurance costs due to increased claims from related storm damage.
Cost of Rebuilding Homes
The cost to repair or rebuild homes after damage in Texas can be higher due to rising construction and material expenses. This drives up insurance costs as insurers factor in potential rebuilding payouts.
Growing Population and Housing Market
Texas’s rapidly growing population and booming housing market also influence insurance rates. Higher demand for housing, especially in metropolitan areas, can lead to increased property values and, as a result, higher insurance premiums.
Hail and Wind Damage
The state experiences more hail storms than almost anywhere else in the country. Wind and hail are among the most common and expensive claims for Texas homeowners, further driving up premiums.
Tips to Save on Your Premiums
Raise your deductible (the amount you pay before insurance pays out).
Bundle your home and auto policies with the same insurer for discounts.
Install security alarms, smoke detectors, or a new roof for lower rates.
Maintain a good credit score.
Avoid filing small claims if possible.
Ask about loyalty or new-customer discounts.
How to Compare Home Insurance Quotes in Texas
Shopping around is the best way to save on your home insurance. It’s smart to compare at least three quotes—and don’t just look at the price! Pay attention to what’s actually covered, your deductibles, the claims process, and how strong the company is financially.
If you want to make it easy, we’re here to help you compare top options and find the best policy for your needs—just reach out and we’ll do the legwork for you.
1. Know What Coverage You Need
Start by determining your dwelling coverage limit—this is how much it would cost to rebuild your home from the ground up. It needs to reflect current construction costs, not just the market value of your property.
Think about valuable items—like jewelry, electronics, or art—that you want to protect, which might require additional riders.
Also, consider extra policies such as flood or windstorm insurance, which are often necessary in areas prone to hurricanes, heavy rains, or hail. Texas policies typically exclude these events from standard HO-3 plans, so deciding on these protections upfront ensures your quotes are based on the right coverage.
2. Get Multiple Quotes
Using an agent like Shop Texas Insurance allows you to quickly request quotes from several carriers at once.
When you receive those quotes, make sure each one uses the same coverage limits, deductibles, and endorsements—this apples-to-apples comparison helps you see the true pricing differences.
Shopping around in Texas is critical; rates can vary widely from company to company, sometimes by thousands per year depending on your ZIP code and risk factors.
3. Compare Beyond Just Price
While the premium is important, diving deeper into what’s covered vs. excluded is equally vital. Examine exclusions like flood, windstorm, debris removal, and liability limits to understand any gaps in protection.
Look for discounts—bundling home and auto, installing alarms or a new roof, or having a claims-free history can lower your premiums.
Finally, check each insurer’s reputation by reviewing financial strength, customer service, and claims handling ratings. A cheaper policy might cost significantly more in time and frustration if the claims process is poor .
4. Ask Questions
Don’t hesitate to dig into the details. Ask insurers if there are any coverage gaps—such as missing endorsements for windstorm or sewer backup.
Understand how changing your deductible affects your rate and your out-of-pocket cost during a claim.
Inquire about regional endorsements or riders that are common in Texas, like wind/hail, extended replacement cost, or ordinance and law protections.
These questions ensure you’re not caught off guard by coverage exclusions or unexpected costs later.
Want cheapest home insurance in Texas?
The Best Home Insurance Providers in Texas
USAA
USAA remains a top choice for military members and veterans. Known for its outstanding customer satisfaction and exceptional claims handling, USAA is tailored specifically to the unique needs of military families. It offers replacement cost coverage, flood protection, and disaster response options, all backed by highly responsive and dependable service.
Chubb
Chubb caters to high-net-worth homeowners seeking premium protection. It excels in insuring luxury, custom-built, and high-value homes. With benefits like extended replacement cost coverage, personal risk consulting, and even cash-out settlement options, Chubb also provides broad coverage for valuables, making it a preferred provider for affluent homeowners.
State Farm
State Farm, the largest home insurer in Texas, delivers reliable coverage at competitive rates. Its vast network of local agents ensures personalized service across the state, while homeowners benefit from swift claims processing and discounts for roof upgrades and security systems. State Farm is a solid all-around option for most Texans.
Nationwide
Nationwide stands out for policy customization and modern features. With endorsements such as water backup, identity theft protection, and smart-home coverage, it appeals to budget-conscious homeowners who still want robust protection. Its inflation guard, telematics integration, and strong bundling discounts enhance both affordability and value.
Farmers
Farmers offers flexibility through modular policy structures and a wide array of endorsements. Tech-savvy homeowners appreciate Farmers’ smart home discounts, claims-free rewards, and digital tools. Its claim forgiveness program and focus on innovation make it attractive for those who want insurance perks alongside dependable protection.
Armed Forces Insurance (AFI)
AFI serves a specialized audience—military and Department of Defense families. As a family-owned, nonprofit-focused insurer, AFI provides personalized care and benefits tailored for deployments and permanent change-of-station (PCS) moves. It’s an ideal fit for active-duty service members, reservists, and their loved ones.
Need help choosing?
Why Choose Shop Texas Insurance for Your Home Insurance?
Finding the best home insurance Texas shoppers trust means working with people who know the market, care about your needs, and make the process easy. Whether you want to compare home insurance Texas options, understand average home insurance cost Texas, or just buy home insurance online Texas in a few clicks, Shop Texas Insurance is your go-to agent.
- Our local expertise sets us apart. We’re Texas-based and understand the unique risks homeowners face. From North Texas hailstorms to Gulf Coast hurricanes, wildfires in the Hill Country, and fireworks‑related damage across the state, our deep knowledge of regional hazards ensures you receive coverage tailored to your specific ZIP code and property type.
- We offer all-in-one shopping for peace of mind and convenience. Whether you prefer to shop online independently or speak with a local agent, our platform gives you instant access to multiple Texas home insurance quotes from top-tier national carriers and trusted regional providers. This breadth of choice empowers you to compare offers side-by-side and confidently choose the policy that fits your needs and budget.
- Custom Guidance: Our licensed agents walk you through the process step by step—explaining what coverages are essential, what may be optional, and how different deductibles affect your premiums.
- Best Rates: We work for you, not the insurance companies, so our goal is the best deal for your needs.
- Easy and Fast: Buy home insurance online in Texas with a few clicks, or call us if you need help.
Start your quote now and see why thousands of Texans trust us to protect what matters most!
Get Your Texas Home Insurance Quote
Ready to protect your Texas home? Fill out the quick form at the top or call us today to get your personalized, no-obligation quote. We’ll compare top providers so you don’t have to.