Texas Homeowners Insurance

The average cost of a Texas homeowners insurance policy is $121 per month, but you may see your premiums fluctuate based on the age of your home and any updates you make. To find cheap Texas home insurance rates, enter your ZIP code below and compare multiple insurance quotes from local Texas homeowners insurance companies for free.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The average cost of a Texas homeowners insurance policy is $1,460/yr ($121/mo). This includes the four primary types of home coverage, for the dwelling, other structures, your personal property, and in case you suffer a loss of use of some or all of the property. The key is to understand what these sections of your policy mean, and to be aware of the risks associated with owning home in Texas faces so that you can have enough insurance to be prepared.

  1. Dwelling
    This is where your family lives, in simple terms. It is typically the largest structure on the insured property, but is always the place where you live. If there are other structures connected to the home permanently, they are included as part of the dwelling, such as a sun room or a built-in garage. By contrast, structures that are not permanently connected, even the garage or a sun room, are not part of the dwelling. The rule is that only structures which would cause damage to the home if they were removed are considered part of the dwelling.
  2. Other Structures
    All of the other structures on the insured property are “other structures.” Even secondary dwellings, such as a guest cottage, are considered “other” structures. And “other” structures can includes building which are not meant for direct human usage, such as a pump house or permanently installed doghouse. “Other” structures is a broad term that includes most man-made constructions, such as a dock, pool house, and even the fence around your yard.
  3. Personal Property
    Everything you own is part of your personal property. It can be inside the dwelling, kept in an “other” structure, or even stored in the open on the property. Lawn mowers and garden tools are part of your personal property, along with all of your household furnishings. Electronics, appliances, rugs, clothing and furniture are all included. This is why personal property is often under-insured, because your policy will only pay for up to 10 percent of the policy value while your actual personal possessions can be valued at much more than that when they are all tallied up.
  4. Loss of Use
    If a situation that is covered under your home insurance policy deprives you of the use of some or all of your dwelling or other structures, you can file a loss of use claim to receive compensation for the money you have to spend out of pocket to maintain your accustomed standard of living. This could mean renting a hotel room, eating at restaurants or doing your laundry at the local coin laundry. If you would normally be able to do it at home and cannot, you can probably file a loss of use claim to get compensated.

Average Texas Homeowners Insurance Rates vs. US

Source: USCB

Cheaper Texas Home Insurance

9.09 out of every 1000 people in your state have their homes broken into each year, and there are no figures concerning the rate of vandalism and other crimes against homes. To protect your home and get the lowest prices on home insurance, you should make home security a priority. You can also reduce the costs of insurance by making your home less risky and taking steps to improve your credit, because risks are what drive up prices, and the lower your risk assessment, the less you will have to pay.

  • Home Security
    A secure home is less risky to insure, and security can take many forms. You can have deadbolt locks put in, or burglar bars installed, for instance. You can even put a fence around the perimeter to deter crime, but the best way to get a discount on your homeowners insurance is to install a burglar alarm. Make sure that your alarm system is professionally installed and monitored around the clock, and your insurance company will offer you a discount for taking a proactive approach to protecting your home.
  • Reduce Insurance Risks
    One way to avoid risks is to avoid filing home insurance claims. The longer you can go without asking the insurance company to foot the bill on repairs, the lower your rates will be. To do this, you can do things like paying for the repairs out of pocket when you can afford to do so, installing a fence around your pool, or simply clearing the dead tree from your property and the old leaves off your roof. All of these ideas will save you money on your home insurance in the long run, and some of them, such as installing a fence around the pool will earn immediate savings.
  • Credit Score and Insurance Risk
    The risk you pose personally is typically measured in part by your credit score and how many insurance claims you have filed in recent years. This makes it very important to keep your credit score above 650, the magic number at which insurance companies begin to offer discounts based on your financial dependability. And keep in mind that having a high credit score is only the beginning. You will also have to monitor it regularly to prevent mistakes or identity theft from taking away the status you have worked hard to achieve.

Home Characteristics Affecting Texas Insurance Rates

The age, condition and value of the home are three important factors that insurance consider when writing a policy for homeowners insurance. In Texas the average age of home is 27 years, which indicates that maintenance should be performed regularly to prevent decay and disrepair. Your home may cost more or less than the state average home price of $125,800, and your premiums will be based in part of what your home value turns out to be.

Local Natural Disasters Texas Homeowners Should Consider Protecting Against

It is the responsibility of a home owner to know what dangers may present them to the home and to get the insurance they need in case the unexpected happens. Flooding is a common exclusion, but other perils may be excluded as well, depending on the rate of occurrence and severity of the disaster in your state.

  • Earthquakes
    Ranked at 17 out of 51, Texas could be hit by an earthquake in any given year. Since earthquakes are not part of a standard insurance policy, it is important that you find coverage. You may be able to get earthquake insurance from your insurance company, or you may find that the damages associated with earthquakes, but not the disaster itself, are already included in your policy. If not, contact your state’s Department of Insurance.
  • Flood
    Texas as a whole filed 2,977 claims in 2009, which is a substantial amount. Since flooding is not part of a standard home insurance policy, you will need to buy the coverage elsewhere. Try high risk agencies first, and if that fails, contact your state Department of Insurance for assistance in finding flood coverage for your home.
  • Hail
    Most insurance policies consider hail to be a form of wind damage and cover it automatically as part of a standard home insurance policy. If hail has been excluded from your policy, contact your insurance company first to see if there is a rider policy you can get, otherwise you may have to call the Department of Insurance to find out about high risk insurance plans.
  • Hurricanes
    Most hurricane damage, with the exception of flooding, is included in your policy. You need to purchase the flood insurance separately, but unless hurricane-related damages are specifically excluded you will not need to worry about the other facets of a big storm.
  • Tornadoes

    109 tornadoes happen each year in Texas, which is not a large number but it only takes a single storm to cause you a total loss of home and property. Tornado damage is related to wind damage in most policies, but it is important to make sure that tornadoes have not been specifically excluded from yours, and to pick up the coverage elsewhere if they are.

  • Wildfires
    Around the nation, there are 74,749 wildfires each year. In most cases, this damage is covered under the fire portion of your policy, but you should check the wording of your policy carefully to make certain that wildfires are not specifically excluded, and to purchase the extra coverage elsewhere if they are.

Texas Homeowners Insurance Optional Coverages

Two areas that most home insurance policies fall short on are personal property and injury liability. Personal property protection is typically good for up to 10 percent of the homeowner’s insurance policy, while the amount of personal property can be much higher. This is easily corrected by extending the amount of your personal property coverage in your home insurance policy. Injury liability pays for injuries to someone else or damages to another person’s property, but your home insurance policy is limited in the amount of protection it offers and can be easily exceeded if you are sued in addition to the injuries or damages. To prevent someone from going after your personal assets in this situation, an umbrella liability insurance policy is one of the best moves, because it protects you from liability claims against your home, car, and other personal liability threats.

Important Contact Information

Texas Department of Insurance
P.O. Box 149104
Austin, TX 78714-9104
Phone: (800) 252-3439

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