See Texas homeowner insurance cost (premiums) by home values and deductibles, across the state and major cities. The data is from MFP’s Community Home Insurance Survey where Texas’ homeowners shared costs and recommendations on their insurer, agent, and broker.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: June 8, 2026
<< Human Powered Recommendations from Texas’ Homeowners>>
- California Best Home Insurance
- Best Home Insurance by City: Cost, Deductible & Rating
- Biggest Home Insurance Cost Factors in California
- Best Home Insurance Discounts in California
- How to Find the Best Cheap Home Insurance in California
- What Does Home Insurance Cover in California?
- Extra Coverage Options in California
- Most Frequently Asked Questions about Home Insurance in California
Texas Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Texas are USAA, Amica, and Travelers.
| Insurer | Coverage | Customer Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|
| USAA | 5 | 5 | 4 | 5 | 94% |
| Amica | 5 | 5 | 3 | 3 | 90% |
| Travelers | 4 | 4 | 5 | 4 | 89% |
| Lemonade | 4 | 4 | 5 | 5 | 88% |
| State Farm | 4 | 4 | 3 | 3 | 85% |
| Allstate | 4 | 3 | 4 | 4 | 83% |
| Nationwide | 4 | 3 | 4 | 4 | 82% |
| Farmers | 3 | 3 | 3 | 3 | 78% |
| Mercury | 3 | 3 | 4 | 5 | 77% |
| Liberty Mutual | 3 | 3 | 4 | 3 | 75% |
- Texas average premiums for a $300K home is $2,530 (while it's $1,636 nationally).
- Texas average premiums for a $400K home is $3,724. It's $2,179 nationally.
- Texas average premiums for a $600K home is $4,846 (and it's $3,032 nationally).
Texas Insurance Cost by city
Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo
Recommendations are gathered from 4,697 local Texan members who got a quote, filed a claim or got new home insurance in the past 12 months. We surveyed 4 broad areas; cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend the insurer, agent or broker after going through the process?
More Information for Texas Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Texas Best Mortgage Lenders from Community Recommendations
Texas Best Refinance Lenders from Community Recommendations
More Resources for Texas Homeowners.
Houston Home Insurance Costs
Compare Houston 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
See Houston's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Houston, switching from a $500 to a $2,000 deductible on a $300K home saves 14.4% annually. The average $300K home costs $3,221 per year with a $500 deductible.
Houston homeowners pay 21.9% more than the Texas average of $5,154 for a $600K home. The average annual $600K premium with a $500 deductible is $6,282.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,682 | $1,590 | $1,551 | $1,440 | $1,271 |
| $200K Home | $3,123 | $2,953 | $2,881 | $2,674 | $2,358 |
| $300K Home | $3,221 | $3,046 | $2,971 | $2,758 | $2,433 |
| $400K Home | $4,752 | $4,493 | $4,383 | $4,067 | $3,589 |
| $600K Home | $6,282 | $5,940 | $5,795 | $5,378 | $4,745 |
Houston Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Houston’s area are State Farm, Mercury, USAA
- State Farm (93%): Homeowners highlight hurricane endorsements and agents who proactively review flood zone maps
- Mercury (88%): Users praise the cheapest premiums in Harris County but note claims take 3+ days after major storms
- USAA (95%): Military families value waived deductibles for windstorm damage and instant mobile claims
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 4.7 | 4.5 | 4 | 95% |
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 93% |
| Mercury | Insurer | 4 | 4 | 4.5 | 5 | 88% |
| Dean & Draper | Broker | 4.5 | 4.3 | 4 | 4 | 86% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 83% |
| Chubb | Insurer | 5 | 4.5 | 3 | 2 | 82% |
| Nationwide | Agents | 4 | 3.8 | 3.5 | 3 | 79% |
| Allstate | Agents | 4 | 3.5 | 4 | 3 | 77% |
| Lemonade | Insurer | 3.5 | 4 | 5 | 4 | 72% |
| Liberty Mutual | Agents | 4 | 3.5 | 4 | 3 | 70% |
See also:
Houston Best Refinance Lenders
Houston Best Home Loan Lenders
San Antonio Home Insurance Costs
Compare San Antonio 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
Compare San Antonio 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.0% in San Antonio for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,936.
San Antonio's $600K home insurance cost is 27.7% lower than the Texas average of $5,154. The average annual cost for a $600K home with a $500 deductible is $3,725 in San Antonio.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,048 | $983 | $952 | $880 | $762 |
| $200K Home | $744 | $698 | $676 | $625 | $541 |
| $300K Home | $1,936 | $1,818 | $1,760 | $1,627 | $1,408 |
| $400K Home | $2,831 | $2,658 | $2,574 | $2,378 | $2,059 |
| $600K Home | $3,725 | $3,498 | $3,386 | $3,130 | $2,709 |
San Antonio Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in San Antonio’s area are USAA, State Farm, Excel Benefits
- USAA (95%): Military families highlight waived deductibles for windstorm damage and instant mobile claims processing
- State Farm (90%): Homeowners praise responsive local agents and comprehensive hail damage coverage
- Excel Benefits (83%): Members value broker access to 30+ carriers and customized policy comparisons
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 4.7 | 4.5 | 4 | 95% |
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 90% |
| Excel Benefits | Broker | 4 | 4 | 3.5 | 4 | 83% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 82% |
| Chubb | Insurer | 5 | 4.5 | 3 | 2 | 81% |
| Nationwide | Agents | 4 | 3.8 | 3.5 | 3 | 79% |
| Alera Group | Broker | 4 | 4.1 | 3.5 | 4 | 78% |
| Allstate | Agents | 4 | 3.5 | 4 | 3 | 77% |
| Acrisure | Broker | 4 | 4 | 3.5 | 4 | 76% |
| Texas Independent Insurance Brokers | Broker | 4 | 4 | 3.5 | 4 | 75% |
See also:
San Antonio Best Refinance Lenders
San Antonio Best Home Loan Lenders
Dallas Home Insurance Costs
Compare Dallas 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
Compare Dallas 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.9% in Dallas for a $600K home. The average annual cost for a $600K home with a $500 deductible is $6,321.
Dallas's $800K home insurance cost is 20.4% higher than the Texas average of $6,564. The average annual cost for a $800K home with a $500 deductible is $7,900 in Dallas.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,723 | $1,612 | $1,564 | $1,432 | $1,246 | $1,048 |
| $200K Home | $2,511 | $2,350 | $2,279 | $2,087 | $1,815 | $1,527 |
| $300K Home | $3,251 | $3,044 | $2,952 | $2,702 | $2,351 | $1,978 |
| $400K Home | $4,786 | $4,480 | $4,346 | $3,978 | $3,460 | $2,911 |
| $600K Home | $6,321 | $5,916 | $5,739 | $5,253 | $4,570 | $3,845 |
| $800K Home | $7,900 | $7,395 | $7,174 | $6,566 | $5,712 | $4,807 |
| $1M Home | $9,164 | $8,578 | $8,321 | $7,616 | $6,627 | $5,576 |
Dallas Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Dallas’s area are State Farm, Tower Street Insurance, Chubb
- State Farm (93%): Homeowners highlight comprehensive hail damage coverage and responsive local agents
- Tower Street Insurance (91%): Users praise customized coverage plans and in-house claims advocacy
- Chubb (88%): High-net-worth members value Masterpiece Homeowners Coverage with extended replacement cost
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 93% |
| Tower Street Insurance | Broker | 5 | 4.7 | 4 | 4 | 91% |
| Chubb | Insurer | 5 | 4.5 | 3 | 2 | 88% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 85% |
| Thumann Insurance Agency | Broker | 4.5 | 4.3 | 4 | 4 | 84% |
| USAA | Insurer | 4.5 | 4.7 | 4 | 4 | 87% |
| Alliant Insurance Services | Broker | 4 | 4.1 | 3.5 | 4 | 82% |
| Nationwide | Agents | 4 | 3.8 | 3.5 | 3 | 80% |
| Alera Group | Broker | 4 | 4 | 3.5 | 4 | 79% |
| Texas Farm Bureau | Agents | 4 | 3.9 | 3 | 5 | 78% |
See also:
Austin Home Insurance Costs
Compare Austin 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
See Austin's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Austin, switching from a $500 to a $2,000 deductible on a $600K home saves 16.1% annually. The average $600K home costs $3,675 per year with a $500 deductible.
Austin homeowners pay 30.0% less than the Texas average of $6,564 for a $800K home. The average annual $800K premium with a $500 deductible is $4,595.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,022 | $960 | $929 | $858 | $742 | $624 |
| $200K Home | $1,668 | $1,565 | $1,516 | $1,399 | $1,211 | $1,017 |
| $300K Home | $1,888 | $1,772 | $1,717 | $1,584 | $1,371 | $1,152 |
| $400K Home | $2,781 | $2,611 | $2,530 | $2,334 | $2,020 | $1,697 |
| $600K Home | $3,675 | $3,450 | $3,342 | $3,084 | $2,668 | $2,242 |
| $800K Home | $4,595 | $4,313 | $4,178 | $3,855 | $3,336 | $2,802 |
| $1M Home | $5,330 | $5,003 | $4,847 | $4,472 | $3,870 | $3,251 |
Austin Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Austin’s area are USAA, State Farm, Britton & Britton
- USAA (95%): Military families highlight waived deductibles for windstorm damage and instant mobile claims processing
- State Farm (90%): Homeowners praise wildfire risk assessments and solar panel coverage options
- Britton & Britton (85%): Members value customized packages for Austin’s unique weather risks and 24/7 support
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 4.7 | 4.5 | 4 | 95% |
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 90% |
| Britton & Britton | Broker | 4.5 | 4.3 | 4 | 4 | 85% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 83% |
| Christensen Group | Broker | 4.5 | 4.2 | 4 | 4 | 82% |
| Nationwide | Agents | 4 | 3.8 | 3.5 | 3 | 80% |
| Allstate | Agents | 4 | 3.5 | 4 | 3 | 78% |
| Texas Farm Bureau | Agents | 4 | 3.9 | 3 | 5 | 77% |
| Travelers | Insurer | 4 | 4 | 4 | 3 | 75% |
| Lemonade | Insurer | 3.5 | 4 | 5 | 4 | 72% |
See also:
Fort Worth Home Insurance Costs
Compare Fort Worth 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
Fort Worth 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 16.6% for a $300K home in Fort Worth. At a $500 deductible, the average annual cost is $3,356.
Compared to the Texas average of $5,154 for a $600K home, Fort Worth runs 13.0% above at $5,826 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,774 | $1,663 | $1,612 | $1,479 | $1,283 |
| $200K Home | $3,009 | $2,821 | $2,734 | $2,508 | $2,177 |
| $300K Home | $3,356 | $3,147 | $3,050 | $2,798 | $2,428 |
| $400K Home | $4,919 | $4,613 | $4,470 | $4,100 | $3,558 |
| $600K Home | $5,826 | $5,463 | $5,294 | $4,857 | $4,214 |
Fort Worth Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Fort Worth’s area are State Farm, Farmers, Texas Farm Bureau
- State Farm (93%): Homeowners highlight tornado/hail endorsements and proactive disaster preparedness guides
- Farmers (85%): Users report 24-hour claims payouts for wind damage and competitive rates for older homes
- Texas Farm Bureau (82%): Members value the lowest premiums in Tarrant County and agricultural property coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 93% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 85% |
| Texas Farm Bureau | Agents | 4 | 3.9 | 3 | 5 | 82% |
| USAA | Insurer | 4.5 | 4.7 | 4 | 4 | 87% |
| Armor Texas Insurance | Broker | 4 | 4.2 | 3.5 | 4 | 80% |
| Nationwide | Agents | 4 | 3.8 | 3.5 | 3 | 79% |
| Allstate | Agents | 4 | 3.5 | 4 | 3 | 77% |
| Mercury | Insurer | 4 | 4 | 4.5 | 5 | 83% |
| Chubb | Insurer | 5 | 4.5 | 3 | 2 | 78% |
| James Little Agency | Broker | 4 | 4.3 | 4 | 4 | 85% |
See also:
Fort Worth Best Refinance Lenders
Fort Worth Best Home Loan Lenders
El Paso Home Insurance Costs
Compare El Paso 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
See El Paso's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In El Paso, switching from a $500 to a $2,000 deductible on a $300K home saves 16.3% annually. The average $300K home costs $1,727 per year with a $500 deductible.
El Paso homeowners pay 37.3% less than the Texas average of $5,154 for a $600K home. The average annual $600K premium with a $500 deductible is $3,230.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $944 | $883 | $847 | $790 | $661 |
| $200K Home | $1,501 | $1,404 | $1,345 | $1,256 | $1,051 |
| $300K Home | $1,727 | $1,616 | $1,549 | $1,446 | $1,210 |
| $400K Home | $2,479 | $2,318 | $2,222 | $2,074 | $1,736 |
| $600K Home | $3,230 | $3,021 | $2,896 | $2,702 | $2,262 |
El Paso Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in El Paso’s area are State Farm, Farmers, Texas Farm Bureau
- State Farm (92%): Homeowners praise dust storm coverage and Spanish-speaking agents for border region needs
- Farmers (85%): Users highlight affordable earthquake endorsements for adobe homes and fast claims processing
- Texas Farm Bureau (83%): Members value the lowest premiums in West Texas and agricultural property coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 92% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 85% |
| Texas Farm Bureau | Agents | 4 | 3.9 | 3 | 5 | 83% |
| USAA | Insurer | 4.5 | 4.7 | 4 | 4 | 88% |
| Border Insurance Associates | Broker | 4 | 4.2 | 3.5 | 4 | 81% |
| Nationwide | Agents | 4 | 3.8 | 3.5 | 3 | 80% |
| Allstate | Agents | 4 | 3.5 | 4 | 3 | 78% |
| Mercury | Insurer | 4 | 4 | 4.5 | 5 | 84% |
| Chubb | Insurer | 5 | 4.5 | 3 | 2 | 79% |
| El Paso Insurance Center | Broker | 4 | 4.1 | 3.5 | 4 | 77% |
See also:
El Paso Best Refinance Lenders
El Paso Best Home Loan Lenders
Arlington Home Insurance Costs
Compare Arlington 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Compare Arlington 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Arlington for a $300K home. The average annual cost for a $300K home with a $500 deductible is $3,359.
Arlington's $600K home insurance cost is 26.2% higher than the Texas average of $5,154. The average annual cost for a $600K home with a $500 deductible is $6,507 in Arlington.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,771 | $1,661 | $1,612 | $1,477 | $1,287 |
| $200K Home | $2,949 | $2,767 | $2,684 | $2,461 | $2,144 |
| $300K Home | $3,359 | $3,151 | $3,057 | $2,802 | $2,441 |
| $400K Home | $4,933 | $4,628 | $4,490 | $4,115 | $3,585 |
| $600K Home | $6,507 | $6,105 | $5,922 | $5,427 | $4,728 |
Arlington Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Arlington’s area are State Farm, Hulett Insurance, Farmers
- State Farm (93%): Homeowners highlight comprehensive hail damage coverage and responsive local agents
- Hulett Insurance (88%): Users praise personalized service from this family-owned broker with 30+ years in Arlington
- Farmers (85%): Members report fast claims processing for storm-related roof damage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 93% |
| Hulett Insurance | Broker | 4.5 | 4.7 | 4 | 4 | 88% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 85% |
| USAA | Insurer | 4.5 | 4.7 | 4 | 4 | 87% |
| Chapman-Cornelius Insurance | Broker | 4 | 4.1 | 3.5 | 4 | 82% |
See also:
Arlington Best Refinance Lenders
Arlington Best Home Loan Lenders
Corpus Christi Home Insurance Costs
Compare Corpus Christi 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
Corpus Christi 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 13.5% for a $300K home in Corpus Christi. At a $500 deductible, the average annual cost is $3,087.
Compared to the Texas average of $5,154 for a $600K home, Corpus Christi runs 22.8% above at $6,328 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,580 | $1,499 | $1,448 | $1,368 | $1,172 |
| $200K Home | $3,145 | $2,983 | $2,883 | $2,721 | $2,333 |
| $300K Home | $3,087 | $2,928 | $2,830 | $2,671 | $2,290 |
| $400K Home | $4,707 | $4,465 | $4,315 | $4,073 | $3,493 |
| $600K Home | $6,328 | $6,002 | $5,800 | $5,475 | $4,694 |
Corpus Christi Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Corpus Christi’s area are USAA, Farmers, Texas Farm Bureau
- USAA (92%): Military families highlight hurricane coverage and no-hassle claims for coastal properties
- Farmers (85%): Users report affordable earthquake endorsements and fast claims processing for storm damage
- Texas Farm Bureau (83%): Members value the lowest premiums in Nueces County and agricultural property coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 4.7 | 4 | 4 | 92% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 85% |
| Texas Farm Bureau | Agents | 4 | 3.9 | 3 | 5 | 83% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3 | 88% |
| Brightway, The Zollicoffer Agency | Broker | 4 | 4.2 | 3.5 | 4 | 80% |
See also:
Corpus Christi Best Refinance Lenders
Corpus Christi Best Home Loan Lenders
Plano Home Insurance Costs
Compare Plano 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Plano 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 16.7% for a $600K home in Plano. At a $500 deductible, the average annual cost is $5,822.
Compared to the Texas average of $6,564 for a $800K home, Plano runs 9.6% above at $7,196 annually with a $500 deductible.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,649 | $1,546 | $1,498 | $1,374 | $1,200 | $1,005 |
| $200K Home | $2,571 | $2,409 | $2,335 | $2,141 | $1,870 | $1,565 |
| $300K Home | $3,078 | $2,885 | $2,795 | $2,563 | $2,238 | $1,875 |
| $400K Home | $4,505 | $4,222 | $4,089 | $3,750 | $3,276 | $2,743 |
| $600K Home | $5,822 | $5,456 | $5,286 | $4,847 | $4,234 | $3,545 |
| $800K Home | $7,196 | $6,744 | $6,533 | $5,992 | $5,233 | $4,382 |
| $1M Home | $8,491 | $7,958 | $7,709 | $7,070 | $6,174 | $5,171 |
PlanoBest Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Plano’s area are Chubb, State Farm, Nationwide
- Chubb (91%): High-net-worth homeowners value Masterpiece coverage with extended replacement cost and wildfire defense services
- State Farm (89%): Users praise responsive local agents and comprehensive hail damage protection
- Nationwide (85%): Members highlight free smart home devices and green home coverage discounts
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Chubb | Insurer | 5 | 4.5 | 3 | 2 | 91% |
| State Farm | Agents | 5 | 4.5 | 4 | 3 | 89% |
| Nationwide | Agents | 4 | 4 | 4 | 3 | 85% |
| Paragon Independent Insurance | Broker | 4 | 4.2 | 3.5 | 4 | 83% |
| Farmers | Agents | 4 | 3.8 | 3.5 | 3.5 | 80% |
See also:
Laredo Home Insurance Costs
Compare Laredo 2026 annual home insurance premiums across different home values and deductibles. All cost assume standard coverage levels.
Compare Laredo 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.1% in Laredo for a $300K home. The average annual cost for a $300K home with a $500 deductible is $2,012.
Laredo's $600K home insurance cost is 25.8% lower than the Texas average of $5,154. The average annual cost for a $600K home with a $500 deductible is $3,825 in Laredo.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,086 | $1,023 | $990 | $922 | $797 |
| $200K Home | $1,594 | $1,503 | $1,454 | $1,355 | $1,170 |
| $300K Home | $2,012 | $1,896 | $1,834 | $1,709 | $1,476 |
| $400K Home | $2,918 | $2,750 | $2,660 | $2,480 | $2,141 |
| $600K Home | $3,825 | $3,604 | $3,486 | $3,250 | $2,807 |
Laredo Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Laredo’s area are The Allen Thomas Group, Aschere Insurance Group, State Farm
- The Allen Thomas Group (92%): Homeowners praise personalized service from this independent broker with access to 30+ carriers
- Aschere Insurance Group (88%): Users highlight tailored coverage for border-region risks and fast claims processing
- State Farm (85%): Members value Spanish-speaking agents and comprehensive windstorm coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| The Allen Thomas Group | Broker | 5 | 4.7 | 4 | 4 | 92% |
| Aschere Insurance Group | Broker | 4.5 | 4.5 | 4 | 4 | 88% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3 | 85% |
| World Insurance Associates | Broker | 4 | 4 | 3.5 | 4 | 82% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 80% |
See also:
Biggest Home Insurance Cost Factors in Texas
Weather Risks
Texas faces a diverse range of weather-related risks that significantly influence home insurance costs. The state is prone to hurricanes and tropical storms along the Gulf Coast, especially impacting cities like Houston and Corpus Christi. Inland, severe thunderstorms, hail, tornadoes, and flooding are common, particularly in North Texas around Dallas and Fort Worth. These frequent and sometimes severe weather events raise the risk for insurers, leading to higher premiums in vulnerable areas. Flood damage, which is not typically covered under standard policies, often requires separate flood insurance, adding to overall protection costs.
Home Construction Age
The age of a home is a critical factor for insurance pricing in Texas. Older homes often require more repairs and may not meet current building codes, making claims more expensive for insurers.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
In Texas, these typical multipliers apply broadly but with some local nuances. For example, older homes in Houston may see higher cost increases due to flood risk and older plumbing or electrical systems, while older homes in drier areas like West Texas might face somewhat lower multipliers. Renovations or upgrades that improve a home’s resilience to wind or hail damage can also moderate cost increases.
Credit Score Impact
Insurers in Texas often use credit scores to help determine home insurance premiums, as credit history correlates with the likelihood of filing claims. Here’s how costs typically vary by credit score:
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
Texas insurers generally follow this pattern, but credit score impact can vary by insurer. It’s important for homeowners to check with multiple companies because some may weigh credit history differently or offer alternative underwriting methods.
Location Within Texas
Location is a key driver of home insurance costs in Texas. Coastal cities such as Galveston and Corpus Christi face higher premiums due to hurricane risk and flooding. Urban areas like Dallas and Austin may see elevated rates due to higher theft and liability claims. Rural areas often have lower premiums but may have fewer insurance options. Proximity to fire departments and crime rates in specific neighborhoods also affect costs.
Home Construction and Materials
The type of construction influences insurance rates in Texas. Homes built with brick or concrete block typically have lower premiums due to better durability against wind and hail. Wood-framed homes, common in many parts of Texas, may cost more to insure because they are more vulnerable to storm damage and fire.
Claims History
Homeowners in Texas with a history of multiple claims can expect higher insurance costs. Insurers view past claims as a predictor of future risk, so maintaining a clean claims record helps keep premiums lower.
Deductible Amount
The deductible you choose greatly affects your premium. Higher deductibles typically mean lower premiums but increase out-of-pocket costs during a claim. Texas homeowners often balance these factors based on their financial comfort and risk tolerance.
Best Home Insurance Discounts in Texas
- Multi-policy discount: Bundling home and auto insurance can reduce premiums significantly.
- Claims-free discount: Reward for homeowners with no recent claims history.
- Home security discounts: Discounts for homes with alarms, security cameras, or monitored systems.
- New home discount: Some insurers offer lower rates for newly built homes meeting current codes.
- Impact-resistant roofing discount: Savings for homes with roofing materials designed to withstand hail and wind.
How to Find the Best Cheap Home Insurance in Texas?
To find the cheapest home insurance in Texas, homeowners should shop around and get quotes from multiple insurers, focusing on companies with strong financial stability and good customer service. It’s important to compare coverage limits, deductibles, and exclusions, not just price. The cheapest policy may not always offer sufficient coverage or reliable claims service, so balance cost with quality.
Homeowners should also inquire about available discounts and consider increasing deductibles to lower premiums. Using an independent insurance agent familiar with Texas-specific risks can help identify the best options.
7 Ways to Reduce Your Home Insurance Cost in Texas
- Bundle your home and auto insurance policies.
- Install a monitored security system or smoke detectors.
- Increase your deductible if financially feasible.
- Maintain a good credit score.
- Improve home resilience with impact-resistant roofing or storm shutters.
- Keep a clean claims history by avoiding small claims.
- Shop around annually for better rates and discounts.
What Does Home Insurance Cover in Texas?
Standard Texas home insurance policies typically cover dwelling protection against fire, windstorm, hail, and lightning, as well as personal property, liability protection, and additional living expenses if your home becomes uninhabitable. However, flood damage usually requires a separate flood insurance policy, especially important in coastal and flood-prone areas.
Extra Coverage Options and When to Get Them
Homeowners in Texas might consider extra coverage for:
- Flood insurance: Critical for homes in flood zones or near the coast.
- Windstorm or hurricane endorsements: Often required in coastal regions.
- Extended replacement cost: Provides extra funds if rebuilding costs rise.
- Earthquake insurance: For areas with minor seismic activity.
- Personal property riders: To cover high-value items like jewelry or electronics beyond standard limits.
Getting extra coverage depends on your home’s location, value, and risk tolerance. Coastal homeowners or those in flood plains should prioritize flood and windstorm coverage.
FAQ: Home Insurance in Texas
How much does home insurance cost on average in Texas? Premiums vary widely by location and home characteristics but typically range from $1,500 to $3,000 annually.
Is flood damage covered by standard home insurance in Texas? No, flood damage requires a separate flood insurance policy.
Can my credit score affect my home insurance rate in Texas? Yes, many Texas insurers use credit scores as a factor in setting premiums.
Are there discounts for installing storm-resistant features? Yes, insurers often provide discounts for impact-resistant roofing and storm shutters.
What happens if my home is in a high-risk hurricane zone? You may face higher premiums and be required to purchase additional windstorm coverage.