Your home insurance is key in protecting your investment in your home. The best home insurance in Texas will give you the coverage that you need to protect your home, while also being within your budget.
Shopping for home insurance can be confusing, especially if you’re new to owning a home. That’s why we’ve highlighted the need-to-know basics of buying the home insurance policy that’s right for you.
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The average cost of home insurance in Texas is $1,967 per year for $250,000 in coverage. Those costs are 38% higher than the national average cost of home insurance, which is $1,428 per year.
The higher rates may be caused by the increased number of natural disasters that face the state, including hurricanes, flooding, hail storms and wildfires. Homeowners insurance companies raise premiums to cover the increased costs of paying for the resulting claims.
The cost of home insurance in Texas also varies from city to city. In cities like Lovelady and Laneville, insurance costs $1,688, which is 14% less than the state average. But other cities have higher-than-average rates, possibly because of an increased chance of natural disasters or higher labor costs in those areas.
| Texas City | Average Cost of Home Insurance Per Year |
| Deer Park | $2,166 |
| Hale Center | $2,164 |
| Maryneal | $2,163 |
| Richardson | $2,163 |
| Roby | $2,161 |
Since the cost of home insurance in Texas varies so much, it’s helpful to get a personalized quote. It’s easy to get free home insurance quotes in Texas from ConsumerCoverage today.
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There are several ways to find the best homeowners insurance in Texas. Look for discounts that you might qualify for, like discounts for having an alarm system in your home or for also having your car insurance through the same insurance company. You might consider choosing a policy with a higher deductible, which can help to keep your monthly premiums down. Just make sure that you’re prepared to pay that higher deductible if you ever have to file a claim.
To get started, shop around for insurance and compare different policies. You can get a free homeowners insurance quote from ConsumerCoverage today to get started.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
