If you haven’t yet begun to shop for homeowners insurance in Texas, there is a good chance you’ll go through sticker shock. Yes, Texas is one of the states with the highest rates for homeowners insurance. However, using these tips and a little ingenuity, anyone can certainly learn the secrets to cheap homeowners insurance in Texas.

Who Has the Cheapest Homeowners Insurance in Texas?

12 Ways to Find or Save with Cheap Homeowners Insurance in Texas

Deductibles and Premiums

Consider a deductible of $1,000 or more to save money. In addition, deductibles are paid upfront before insurance kicks in. However, higher deductibles translate to cheaper premiums.

Check Out Competing Insurance Companies

Being loyal to an insurance company year after year may give you a loyal customer discount. Still, you might be losing out on several other perks, including better customer service and cheaper rates. To find a reputable insurance carrier:

• Speak with friends and co-workers about their careers and ask them if they would recommend their services.
• Review recommendations at naic.org for insurers in Texas.
• Use online customer reviews and consumer guides to learn about companies offering poor or excellent service.
• Focus on stable carriers that have been in business for years.
• Check potential carriers against the BBB for ratings and complaints.

Online Price Quotes

Take advantage of websites offering free online quotes for cheap homeowners insurance in Texas. Quotations can give you a general idea of the going rates and what you might expect to pay.

Discounts

Companies offering cheaper rates can reduce premiums. However, discounts can also add up quickly and substantially impact what you’ll pay for coverage.

Remember, online quotes and websites may not list all available discounts. Therefore, you may need to make some calls to insurance carriers to learn about all available discounts.

Bundling Policies

If you have several policies like home, auto, boat, or RV insurance, consider bundling all your policies with one carrier to receive a discount. You might save anywhere from 5 to about 15 percent.

Shopping for a New Home

As you view new and old homes for purchase, keep cheap homeowners insurance in Texas in mind. This is the perfect opportunity to look at homes that could save hundreds in insurance if you apply these tips.

• Avoid homes located in high crime areas, which generally cost more to insure.
• Consider tiny starter homes to get started or down-size to a smaller homes with less square footage. Smaller homes always cost less to insure unless they have high-risk features like swimming pools, trampolines, or hot tubs.
• Focusing on ten or fewer houses may save on insurance costs because electrical, plumbing, cooling, and heating systems are still in good shape and don’t pose as much risk as systems in older homes.
• It may be difficult to get cheap homeowners insurance in Texas if you purchase homes on the coast. They cost more to insure, and you may have to buy additional policies like flood or hurricane insurance.
• Homes located near a fire station or fire hydrants usually result in a discount.

Homeowners Insurance Bills

Most insurers provide a small discount for auto payments or paying bills early before the due date. Visit up top for additional information.

Modernizing Older Homes

If you live in an older house and plan to stay in it for several years, you might consider upgrading the plumbing and electrical systems. However, older systems increase the risk of flooding or fires. Consequently, you’re charged more for insurance. Replacing an old roof is another option that usually results in lower premiums.

Insuring a Home for the Wrong Amount

When setting up a new policy, it’s easy to get confused and insure the home for too much money. New homeowners often make the mistake of insuring the house for the purchase price, including the land cost. Instead, homeowners should only insure their homes for the cost of rebuilding the structure.

Old Structures

It’s not uncommon to purchase property, especially in a rural area, with old unstable structures. If you have no plans for these, you should consider removing them. Insurance companies view these as risks and charge you more for liability coverage, which increases your premium.

Limiting Claims

Evaluate the damage to a home carefully before choosing to file a claim. Filing claims increases your risks with insurers and usually increases premium costs.

Reviewing Home Inventory

Review your home inventory for personal property periodically to ensure you’re not paying for insurance on items you no longer own.

You are comparing homeowner quotes, buying a smaller home, paying bills early, and limiting claims are just a few of the intelligent things you can do to get cheap homeowner insurance in Texas.

Owning a property is a big financial responsibility you want to protect over time. One of the ways you do this is by maintaining adequate insurance coverage. You don’t want to buy less insurance than you need because that could leave you without enough benefits to make a claim against in the event of a disaster. There are different types of coverage that you could select, and you will want to take this choice seriously. Not every company that you might work with will even give you the level of protection that you want or need. Therefore, it pays to do a little research on a prospective company before purchasing the best homeowners insurance in Texas.

Trust the Good Names in the Business

Some companies are licensed to write policies for homeowners insurance in Texas, while others are not. For example, one insurance provider may have difficulty writing a policy for your particular community or have a record of not making good on consumer claim payouts in recent years. You wouldn’t know this unless you did a little fact-checking. Such a company is not the kind you choose because it offers the lowest premium.

Shoppers can still find a low rate by selecting a reputable insurance company with a history of paying out Texas consumers’ claims. In addition, they could also check to see a company’s customer service record in your community and nearby cities. Moreover, they might start with a referral from someone you know. However, you can also talk to a company representative yourself and form your opinion. Nobody wants to start a business relationship with a company that will not provide satisfactory service.

What You Want to Look for to Find the Best Homeowners Insurance In Texas

• A good selection of coverages. There are different types of coverage that you can buy for your home. Some damages will be particular to specific events, such as covering the building structure if a fire burns down the house. Ensure that there is enough coverage for the primary dwelling. You might also add coverage for outbuildings and personal property inside or outside the home. Some consumers even choose coverages for medical payments (to an external injured party), as well as loss of use (when you can’t live in the home), and personal liability (in case someone sues you).
• Homeowners want extra coverage for the actual replacement value of the main house. For example, you own a home with a total market value of $150,000, but you only purchased insurance for the structure for $100,000. You will not have enough to replace it if the damage makes it a total loss. For example, a flood or a severe fire could make it impossible to live. Get enough coverage so that the homeowner can build a new structure in the event of a total loss.
• A reasonable deductible. Sometimes, homeowners insurance Texas policies include this instrument. The carrier will subtract the deductible they choose from the home’s replacement value. For example, the house is a total loss, and the homeowners insured it for $125,000. You might have selected a deductible of $5,000, which the homeowners must pay before their insurance company pays anything on your property damage claim. This deductible should not be so high that you cannot afford it.
• Look for exclusions that would hurt your financial position. Inside any proposed policy, there is the potential that the insurance company has included exclusions. For example, you could purchase personal liability insurance, but it might have an exclusion against dog bites. If that is the case, if your dog bites someone on your property or wherever the dog is covered, then you would still be liable for the damages.

Where to Get A Quote?

It’s essential to get a reliable free quote on a homeowners insurance policy in Texas. Bear in mind that your credit record, the number of people in the home, the home’s condition, the home’s location (i.e., in a flood zone), and other aspects of the property will affect what you must pay for property insurance. Another thing is that a recent disaster, such as a hurricane, could have resulted in the best homeowners insurance in Texas paying out many claims.

Furthermore, the rates might have subsequently risen. However, Texas authorities regulate that aspect. Finally, take the time to look into a company’s reputation. If Texas has extensively investigated the company for its claims handling, you might want to choose another company. Only licensed insurance agents can give professional advice on the best types of insurance for your home. There are policies out there that will fit your family’s finances. Consider getting a quote for sample quotes on this kind of insurance.

When you shop for a home insurance policy in Texas, you’ll likely keep that policy for the long haul. In addition, most homeowners who purchase insurance don’t shop for better rates again until they are ready to buy another property. In addition, Texas can have higher insurance rates than other states. Due to these means, it is essential to get yourself the best rate the first time around, so you’ll need to be savvy about comparing homeowners insurance in Texas.

New Texas Home Insurance Policies

If you’re shopping for a new policy on a home, you’re purchasing. A Texas homeowners insurance comparison will be helpful too. However, you cannot always expect an insurance company’s first answer to be the best they can offer, and you should also be careful to compare more than just the rate they quote you. The following tips can help you weigh quotes from multiple companies.

Speak to Several Agents

Speaking to an insurance agent over the phone is quick and helpful. It only takes a few minutes to give agents the essential information to give you a starting quote. Ask them to email you the selection that they provide you over the phone, so you have it in writing from the agent, which will make it easier when you start the process of comparing. Make sure you don’t settle for the first quote that seems like a good deal.

Expect Changes

Unfortunately, a website can not set the initial insurance quote in stone. Many factors can affect the rates Texas Quotes gives the shopper on a Texas homeowners insurance comparison. The selection may vary because a company will ask for basic information from you to provide you with an initial quote. In addition, the agent will ask for additional information once you’re ready to commit. Therefore, try to get a quote that has as much of your personal and house-specific information as possible to make the most informed decision.

Compare Value

It’s often tempting to look only at the cost when shopping for insurance, but this is the wrong mindset. Instead, homeowners should purchase insurance based on the policy’s value. A good policy will be affordable but still, have the coverage you need.

Frequently, you can raise coverage limits but still keep your rates low if you play around with the deductible or make adjustments to other parts of the policy. Things like improving your credit, installing an alarm system, getting coverage for your automobile, and qualifying for a bundling discount can lower your quote. Be cautious of any company that gives you a substantially lower quote than other companies; there may be an issue with the policy’s value in some key areas.

Switching Policies

A Texas homeowners insurance comparison is not just for new home purchasers. If you shop around when your policy comes up for renewal, the chances are high that you can find a better rate. Even though the automatic renewal that most homeowners have built into their mortgages makes it easy to assume you’re still getting a good deal, this isn’t always the case.

Comparing Homeowners Insurance in Texas

Consumers who compare rates every year often find that they can save money if they switch policies. One great way to compare different companies and their policies is to use our comparison tool. This online tool can help get you the information you need to make a wise financial decision.

Whether you’re buying a new policy on your newly-purchased home or looking around for the best deal, remember to assess each policy for value rather than cost and get as much information from the company before you commit. Putting in a little extra work can pay off!

Homeowners around the country are seeking the best insurance with the most value, the most reliable coverage, the lowest deductible, and the lowest price. Fortunately, homeowners insurance policies have many palatable options in large cities such as Houston. In Houston, Homeowners insurance policies should cover a few main areas such as weather damage, theft, and deterioration of the home. A few companies are at the top of the list that every homeowner should consider. In addition, there are a few unique features to think about when it comes to finding the best homeowners insurance in Houston, TX.

Liberty Mutual is one of Houston’s most significant companies providing homeowners insurance policies. Deductibles are relatively low, and the variety of home insurance options is comprehensive. However, the company is outside of Houston and does not appeal the same way more local insurers do. On the other hand, the firm has decades of experience in Texas, so it should be perfectly capable of providing all insurance services required. The company also provides auto and life insurance to diversify its portfolio.

Chart of Insurance Rates by Companies Serving Houston, TX – Coverage: $150,000

The data shown below fits the following criteria:

• County & ZIP Code: HARRIS 77002
• Age of Residence: 10 years old (1-34)
• Type of Construction: Brick Veneer
• Claim History: Claim free for five years
• Credit Rating: Good Credit
• Policy: Homeowners
• Coverage Amount: 150000​

Chart of Insurance Rates by Companies Serving Houston, Tx – Coverage: $200,000

The data shown below fits the following criteria:

• County & ZIP Code: HARRIS 77002
• Age of Residence: 10 years old (1-34)
• Type of Construction: Brick Veneer
• Claim History: Claim free for five years
• Credit Rating: Good Credit
• Policy: Homeowners
• Coverage Amount: 200000

Chart of Insurance Rates by Companies Serving Houston, Tx – Coverage: $350,000

The data shown below fits the following criteria:

• County & ZIP Code: HARRIS 77002
• Age of Residence: 10 years old (1-34)
• Type of Construction: Brick Veneer
• Claim History: Claim free for five years
• Credit Rating: Good Credit
• Policy: Homeowners
• Coverage Amount: Homeowners ​

Farmers Insurance is another Houston homeowners insurance option. The firm prides itself on its quick turn-around time on all claims and its excellent customer service and support. In addition, the firm will go out of its way to provide the total amount of insurance claim that you deserve. Deductibles and monthly premium payments are higher, but you are more likely to win a share when you submit it in exchange. For example, suppose a contractor damages your home while repairing or renovating it. In that case, you can get coverage from Farmers for that damage that is a part of your overall plan and does not require an additional add-on. Furthermore, Farmer’s provides a whole suite of investment, business, life, and vehicle insurance products.

Nationwide is one of the most well-known insurers in the area. They provide a range of services and have robust financial backing. Nationwide has a solid marketing plan and has a TV, radio, and online presence. However, they focus on auto insurance, so their providing of homeowners insurance in Houston is not quite as strong. Premiums are a bit high vs. the value they provide for claims.

Allstate is another insurance company that provides services in the region. Different homeowners insurance policies from Allstate vary in scope. For example, you can forego ice damage coverage if you want a relatively less expensive option. While the risk of ice damage in Houston is shallow, it is not out of the question. Storm and hurricane damage are much more common and are a more standard feature of policies. In addition, the firm has a prominent renters insurance offering that protects from theft or weather damage to personal property.

Additional Aspects For Homeowners Insurance in Houston, TX

Consumers living in Houston with a homeowners insurance option often have homes with landscaping and gardens. Many wonder whether their current policies cover the damage. Things like falling trees are covered as long as they damage a part of the property. If they fall without any damage, homeowners insurance in Houston, TX, may not cover the removal. Additional Homeowners Insurance Houston policy coverage options would pay for removing such items as trees or other landscaping failures.

Additional options for good insurance coverage for those with pools in their backyard in Houston. Not only for repair and emergency cleaning but also in the case where there is an injury due to your liability. All of the major companies listed above have options for pool insurance.

The Homeowners Insurance Houston market continues to grow and expand. As the region’s economy diversifies and expands, the insurance market grows. Homes are still sprouting up all around the area from Downtown to Katy, Sugarland, Pearland, and Pasadena. Transactions for new and old homes alike continue to grow, and with each transaction, a new homeowner requires a Houston home insurance policy.

Average Cost of the Top Ten Homeowners Insurance Companies in Houston

In this case study, we collected homeowner insurance rates from all zip codes to find the average cost of homeowners insurance in Houston. The data is Current for March 2022 and is for a person seeking $350,000 of coverage and claim-free for five years. In addition, they have an average credit rating, the type of construction is brick veneer, and the age of residents is 10 to 34 years old.

ASI Lloyds

ASI homeowners policies cover most risks, such as theft, lightning, fire, contents, and loss of use. In addition, the replacement-value range is standard, as is coverage for medical payments and personal liability. Furthermore, additional options are available for art, jewelry, and personal injury items. From our study, ASI Lloyds has the cheapest average cost of homeowners insurance in Houston.

Allstate Vehicle and Property Insurance Company

Allstate offers affordable coverage for both traditional houses and mobile homes, including flood insurance, personal umbrella policies, and more. The standard homeowners’ policy covers most risks, such as fire, theft, vandalism, lightning strikes, and replacement cost coverage. In addition, flood insurance is available, as are several innovative riders.

Allstate’s multi-policy discount offers a discount when combined with other add-ons. These add-ons include the claim-free discount, claim rate guard, easy pay plan, and retired discount at 55.

National Specialty Insurance Company

National Specialty Insurance Company is one of three insurance companies that operate through State National in Bedford, Texas. Although we reference them on our website, the company doesn’t have a website.

They primarily serve the Dallas-Fort Worth area and have only a telephone number listed for customer service. Texas Quotes list them as providers of homeowners insurance and several other types. However, additional information is available only by calling the listed phone number 1-800-877-4567.

Texas Farmers Insurance Company

Farmer’s Insurance in Texas offers flexible homeowners insurance policies to meet almost any budget. Standard coverages include personal property, replacement cost without depreciation, medical payments for injured guests, and additional expenses. Additional living expenses can extend for two years if the house becomes uninhabitable.

One policy can cover all structures on the property and includes acts of nature such as wind and fire. A suitable carrier also includes vandalism. However, there may be exclusions. Policyholders can have coverage for structures worldwide. Insurance companies do not limit it to Texas or the U.S. Optional coverages can include an identity shield and scheduled and unscheduled coverage for valuables such as art and jewelry.

American Bankers Insurance Company of Florida

American Bankers Insurance Company of Florida operates in Florida under the name of Assurant, has been in business since 1947, and provides mobile home insurance. Policies available include damage from earthquakes, flood, hurricane, tornado, theft, vandalism, lightning, and hail.

Replacement cost coverage without depreciation is available in most states and includes the dwelling and the contents. In addition, adjacent structure coverage is available, as is personal liability protection.

American Mercury Lloyds Insurance Company

American Mercury Insurance offers a comprehensive homeowners insurance policy that is customizable for almost anyone. Dwelling protection covers damages caused by fire and smoke, storm or lightning, wind, and other acts of nature. Furthermore, actual replacement cost coverage is available for up to 150 percent of the policy limits. Moreover, personal property is covered, as are additional living expenses if the home is uninhabitable.

Personal liability and guest medical payments are included in the policy, as is identity theft. Also, additional coverage is available for valuables such as art and jewelry.

United Property & Casualty Insurance Company

United Property & Casualty Insurance has a comprehensive package for homeowners, whether they live in a house or a condominium. In addition, standard coverages include the primary structure, loss of use, personal property, and personal liability.

Optional coverages include identity theft protection and restoration, art and jewelry insurance, equipment breakdown, and water damage. Moreover, policy limits, scopes, and exclusions vary by geographic area, and some coverages may not be available in some markets.

National Surety Corporation

National Surety Corporation is a subsidiary of Firemen’s Fund, founded in 1954; they operate from Novato, CA. They provide surety bonds and fidelity bonds and are a privately held company.

United Services Automobile Association

USAA offers homeowners insurance to both military and civilians. Also, they cover structures at replacement value without depreciation, and most weather-related events are covered. In addition, USAA in Houston covers vandalism, theft, and fire. In addition, identity theft coverage is available. Furthermore, USAA also includes the replacement cost of uniforms for active duty service members. Customers may file claims on their mobile app, and a multi-policy discount is available.

AIG Property Casualty Company

AIG’s comprehensive homeowners’ insurance provides 200 percent of replacement value on a rebuilt home in the exact location. Landscaping coverage is available, and insurance also covers sewer and drain damage. In addition, The insurance company can cover extra living expenses, identity theft, and scheduled expenses.

Coverage for updated technology to prevent a recurrence is available, as is condominium upgrade coverage.

USAA General Indemnity Company

USAA General Indemnity Company provides a variety of insurance offerings to USAA members. In addition, these include homeowners insurance, renters insurance, valuable personal property insurance, and others. Homeowners insurance offers coverage against many types of damage caused by nature; flood insurance is available as a separate policy.

Homeowners’ coverage includes damage from fire, vandalism, storms, theft, and vandalism. In addition, an identity theft add-on is available, as is protection for valuables.

Average Cost of Homeowners Insurance in Houston

Now that you know the average cost of homeowners insurance in Houston, why wait? Get a quote today and start saving money while you protect your home against the worst possible outcome.