Texas Home Insurance Quotes
Texas home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six 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, and let us take care of the rest.
Our team of licensed agents will shop for your Texas home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple TX insurance providers.
Get the Best Home Insurance Rates in TX
The average Texas home insurance rate in April 2013 was $1129.00. It appears that rates have decreased since March when average rates in Texas were around $1158.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Texas
|Apr 2013||Mar 2013||Feb 2013||Jan 2013||Dec 2012|
Though average Texas homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and 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.
Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Texas home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your TX policy. They also will make sure you get every available discount. Potential discounts include the following:
- Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
- Nonsmokers. Save up to 20% if no one in your households smokes.
- New home. If your home was built within the past 10 years, you could save up to 20%.
- 55 or older, retired. Save up to 20% - certain conditions apply.
- Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
- Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
- Fire/smoke detectors and deadbolt locks also could mean savings.
Discounts vary widely by provider. All discounts aren't available in every state.
See what your neighbors in Texas are paying
Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Texas by HomeInsurance.com agents.
Premiums vary according to square footage, location, features of the home and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$968†||$1,791||$1,529||$2,648†||$1,034|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Electric|
Standard Texas Home Insurance Coverages
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
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Texas home insurance policy
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.
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.
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.
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
More than $700B in property at flood risk from hurricanesThursday, June 07, 2012
California tops the nation in dog bite claimsThursday, May 17, 2012
Texas residents continue on road to recovery following Bastrop fireWednesday, April 25, 2012
Series of tornadoes leaves Dallas area devastated Wednesday, April 04, 2012
Louisiana homeowners insurance rate hikes slowingTuesday, January 17, 2012
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:
- De Witt
- Deaf Smith
- El Paso
- Fort Bend
- Jeff Davis
- Jim Hogg
- Jim Wells
- La Salle
- Live Oak
- Palo Pinto
- Red River
- San Augustine
- San Jacinto
- San Patricio
- San Saba
- Tom Green
- Val Verde
- Van Zandt
Customer Reviews in Texas
For additional information about specific insurance laws in Texas, visit the Texas Department of Insurance website.