Best Home Insurance in Texas (2023)

Compare personalized Home insurance rates in Texas

Home Insurance in Texas

You value your home and do all you can to protect it and its value, but it’s also important to have quality homeowners insurance in Texas to safeguard your biggest investment from the unexpected. Knowing Texas homeowners requirements, it is possible to find a quality policy that’s also competitively priced. Cheap homeowners insurance in Texas is possible, too, if you know what to look for in a policy. Here’s where to get started.

Home Insurance Companies in Texas

Numerous homeowners insurance agencies in Texas can offer a policy to you. Yet, the best home insurance companies in Texas combine solid features at competitive prices to provide a customized solution for your home. The top-rated homeowners insurance companies in Texas offer a wide range of discounts to help you save, too. Independent home insurance agents in Texas can also help by providing you with the ability to compare numerous policies at one time.


How to Get the Best Rates for Home Insurance in Texas

When choosing home insurance in Texas, you need to compare several policies from various insurers. To get started, fill in your zip code on this page.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Texas?

 You may want the cheapest home insurance in Texas, but getting that affordability isn’t easy to do. The average annual premium in Texas is $2,000. That’s one of the highest in the country. The national average is $1,173. This is why it is so important to get home insurance quotes in Texas to compare each of your options.


<twitter>The average annual premium in Texas is $2,000. That’s one of the highest in the country. The national average is $1,173. </twitter>


List of Homeowners Insurance Companies in Texas

Finding the best homeowners insurance in Texas means you need a list of companies to compare. You can get a free list by adding your zip code to the box on this page.

How Homeowners Insurance Is Calculated in Texas

How much will you pay? The cost of home insurance in Texas depends on many factors including how risky the community is. There are many components that determine this. Yet, the most common impacting the whole state are the following.


<qa>1;Crime;Crime in Texas is one factor. Nationally, the crime rate is 24 incidents per 1,000 residents for property-related crimes. In Texas, the crime rate is 25.63 per 1,000 residents. That’s a bit higher and one of the reasons why Texas homeowners insurance premiums are higher.</qa>

<qa>2;Weather/Climate;Weather is a concern in Texas. The state’s weather patterns are different in various regions. There are areas where wildfires occur due to droughts. There is also coastal flooding in some areas. Some areas are at risk for hurricanes, thunderstorms, windstorms, and even tornadoes. All of these factors put most homes in the state at risk, driving insurance costs higher.</qa>

<qa>3;Home Values;Home values matter, too. The median home value in Texas is $196,100. However, there are areas priced significantly higher than this. The more expensive a home is, the higher the costs are. Typically, this varies significantly from home-to-home.</qa>

Home Insurance Requirements in Texas

Most people have plenty of questions about home insurance requirements in Texas. Yet, policies and rules differ by city. Here are some starting points as you learn more about the requirements in Texas.

Is Homeowners Insurance Required in Texas?

Home insurance is a requirement in Texas if your mortgage contract requires it. It is not a state law, though some homeowners associations may require property owners to maintain coverage. Most cities do not require it either. While it is always a good investment, it isn’t a law.

What Does Home Insurance Cover?

Home insurance in Texas is customized to fit your home. Most home insurance plans include property coverage for the structure and your possessions. It also includes liability insurance for negligence claims made against you. Flooding insurance isn’t typically included in a standard policy, though endorsements are available to most homeowners.

Homeowners Insurance for New Properties in Texas

Home insurance for new properties in Texas can be a bit higher in cost than older homes if the home’s value is higher. However, if you invest in wind-resistant features on your new home, you may lower some of your costs.

Homeowners Insurance for Old Properties in Texas

Even older homes benefit from home insurance in Texas. The risks of damage are high here, which makes every policy an important and valuable investment. Older homes may also be at risk for more roofing and siding damage, which could be covered claims if you have a policy.

Renters Insurance in Texas

The state of Texas does not require you to have renter’s insurance. It does not require the property owner to protect your possessions either. Some landlords will require those renting from them to purchase this insurance.


Renter’s insurance covers your possessions from things like theft and fires. It also helps cover liability risks related to things like dog bites. It tends to be affordable, too, usually under $30 per month and sometimes much less.


<zipcode>Compare Renters Insurance in Texas</zipcode>


Compare Home Insurance in Texas by City

The cheapest home insurance in Texas is in the safest communities with affordable home values. Yet, rates change across the board based on your home’s features and needs. You can compare home insurance quotes in your city to get a better idea of what you’ll pay.


<qa>1;Home Insurance Quotes in Houston, Texas;Texas’s largest city is Houston. It’s home to 2,312,717 people and is a modern, upscale community. Home values are affordable with a median average of $186,900. Suburban areas tend to have higher values.</qa>

<qa>2;Home Insurance Quotes in San Antonio, Texas;San Antonio is a thriving city, too. It has 1,511,946 people calling it home and has a large suburban area, too. The median value for a home here is $176,400.</qa>

<qa>3;Home Insurance Quotes in Dallas, Texas;As yet another large city in Texas, Dallas has a population of 1,341,075. It is a fast-growing community as well. Home values in Dallas are a bit higher, at $214,900, which can raise costs.</qa>

<qa>4;Home Insurance Quotes in Austin, Texas;Austin is another growing area with a modern vibe and a high quality of living. It has 950,715 residents.  As a high-growth area, home values in Austin are $365,600, which has contributed to higher insurance rates.</qa>

<qa>5;Home Insurance Quotes in Fort Worth, Texas;Fort Worth is a thriving city as well with a number of new areas of construction. About 874,168 people call it home. Home values in Fort Worth are $197,100.</qa>


Bonus: Most Expensive Homes in Texas

You may not want to pay a lot for home insurance in Texas. Consider what it would cost to pay for insurance on these homes.


  1. The home at 10000 Hollow Way Road in Dallas is valued at $135 million. Its views and 28,000 plays a role in that value.
  2. A home at 1755 Dove Road in Southlake is valued at $50 million.
  3. The home on 8.7 acres at 27 Mott Lane in Houston is valued at $35 million.