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Call Us Now: At HomeInsurance.com you can compare up to four home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Texas home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax while we take care of the rest.
The average Texas home insurance rate in September 2011 was $986.00. It appears that rates have increased since August 2011 when average rates in Texas were around $960.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Texas |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $986.00 | $960.00 | $948.00 | $933.00 | $931.00 |
Since average Texas homeowners insurance premiums have increased, you should stay mindful of how much you are paying to insure your home. Taking advantage of discounts can make sure your rates stay low while keeping your coverage intact. The biggest savings can usually be found with a home-auto discount which can save you around 20% on your Texas policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.
Standard Texas Home Insurance Coverages
| A | Dwelling: A standard Texas homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Texas home insurance policy |
| C | Contents/Personal Property: A Texas home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Texas home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Texas, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Texas MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Texas Homeowners Insurance News
- Louisiana homeowners insurance rate hikes slowingTuesday, January 17, 2012
- Arizona may see another dangerous wildfire seasonMonday, January 09, 2012
- Texas residents rebuilding following devastating wildfireWednesday, December 28, 2011
- Midland expects drop in property insurance ratesMonday, October 31, 2011
- Texas, Oklahoma leading states for hail probabilityTuesday, September 20, 2011
Other Texas Homeowners Resources:
- Home Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Texas
- Disaster Preparedness Guide- Make sure your home and family is protected.
- Are you qualifying for all available discounts in Texas? Check out our list of available home insurance discounts.
Search for home insurance in your Texas county:
- Anderson
- Andrews
- Angelina
- Aransas
- Archer
- Armstrong
- Atascosa
- Austin
- Bailey
- Bandera
- Bastrop
- Baylor
- Bee
- Bell
- Bexar
- Blanco
- Borden
- Bosque
- Bowie
- Brazoria
- Brazos
- Brewster
- Briscoe
- Brooks
- Brown
- Burleson
- Burnet
- Caldwell
- Calhoun
- Callahan
- Cameron
- Camp
- Carson
- Cass
- Castro
- Chambers
- Cherokee
- Childress
- Clay
- Cochran
- Coke
- Coleman
- Collin
- Collingsworth
- Colorado
- Comal
- Comanche
- Concho
- Cooke
- Coryell
- Cottle
- Crane
- Crockett
- Crosby
- Culberson
- Dallam
- Dallas
- Dawson
- De Witt
- Deaf Smith
- Delta
- Denton
- Dickens
- Dimmit
- Donley
- Duval
- Eastland
- Ector
- Edwards
- El Paso
- Ellis
- Erath
- Falls
- Fannin
- Fayette
- Fisher
- Floyd
- Foard
- Fort Bend
- Franklin
- Freestone
- Frio
- Gaines
- Galveston
- Garza
- Gillespie
- Glasscock
- Goliad
- Gonzales
- Gray
- Grayson
- Gregg
- Grimes
- Guadalupe
- Hale
- Hall
- Hamilton
- Hansford
- Hardeman
- Hardin
- Harris
- Harrison
- Hartley
- Haskell
- Hays
- Hemphill
- Henderson
- Hidalgo
- Hill
- Hockley
- Hood
- Hopkins
- Houston
- Howard
- Hudspeth
- Hunt
- Hutchinson
- Irion
- Jack
- Jackson
- Jasper
- Jeff Davis
- Jefferson
- Jim Hogg
- Jim Wells
- Johnson
- Jones
- Karnes
- Kaufman
- Kendall
- Kenedy
- Kent
- Kerr
- Kimble
- King
- Kinney
- Kleberg
- Knox
- La Salle
- Lamar
- Lamb
- Lampasas
- Lavaca
- Lee
- Leon
- Liberty
- Limestone
- Lipscomb
- Live Oak
- Llano
- Loving
- Lubbock
- Lynn
- Madison
- Marion
- Martin
- Mason
- Matagorda
- Maverick
- Mcculloch
- Mclennan
- Mcmullen
- Medina
- Menard
- Midland
- Milam
- Mills
- Mitchell
- Montague
- Montgomery
- Moore
- Morris
- Motley
- Nacogdoches
- Navarro
- Newton
- Nolan
- Nueces
- Ochiltree
- Oldham
- Orange
- Palo Pinto
- Panola
- Parker
- Parmer
- Pecos
- Polk
- Potter
- Presidio
- Rains
- Randall
- Reagan
- Real
- Red River
- Reeves
- Refugio
- Roberts
- Robertson
- Rockwall
- Runnels
- Rusk
- Sabine
- San Augustine
- San Jacinto
- San Patricio
- San Saba
- Schleicher
- Scurry
- Shackelford
- Shelby
- Sherman
- Smith
- Somervell
- Starr
- Stephens
- Sterling
- Stonewall
- Sutton
- Swisher
- Tarrant
- Taylor
- Terrell
- Terry
- Throckmorton
- Titus
- Tom Green
- Travis
- Trinity
- Tyler
- Upshur
- Upton
- Uvalde
- Val Verde
- Van Zandt
- Victoria
- Walker
- Waller
- Ward
- Washington
- Webb
- Wharton
- Wheeler
- Wichita
- Wilbarger
- Willacy
- Williamson
- Wilson
- Winkler
- Wise
- Wood
- Yoakum
- Young
- Zapata
- Zavala
Customer Reviews in Texas
For additional information about specific insurance laws in Texas, visit the Texas Department of Insurance website.
