Texas Homeowners Insurance Quotes

Texas homeowners insurance information including savings tips and rate trends.

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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
Sep 2011Aug 2011Jul 2011Jun 2011May 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

Coverage
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.

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Customer Reviews in Texas

The top 8 customer reviews on HomeInsurance.com service and savings in Texas.
4 Star Rating
Savings: $1132/year
Customer: John H.
Date: Jan 13, 2012
GREAT!!! Saved over $1,100 home and auto combined.
Tulia, TX
4 Star Rating
Savings: $400/year
Customer: Raquel F.
Date: Nov 16, 2010
You have great customer service representatives. They are very friendly and know how to save you money. Thank you so much!
Mesquite, TX
4 Star Rating
Savings: $700/year
Customer: Brenda C.
Date: Jul 21, 2010
I enjoyed talking to my agent. He helped me save a substantial amount on my home and auto policies. I recommend this company whole-heartedly!
Fruitvale, TX
4 Star Rating
Savings: $200/year
Customer: Kate B.
Date: Feb 26, 2010
HomeInsurance.com offered the lowest rates, was not pushy, and was very helpful.
Austin, TX
4 Star Rating
Savings: $580/year
Customer: Marva M.
Date: Jan 18, 2010
Fast, friendly, effective.
Justin, TX
4 Star Rating
Savings: $300/year
Customer: Isaac H.
Date: Nov 13, 2009
Saving money is cool. Thanks HomeInsurance.com.
Roanoke, TX
4 Star Rating
Savings: $650/year
Customer: Don J.
Date: Nov 05, 2009
Pleasant, accurate and prompt.
Grand Prairie, TX
4 Star Rating
Savings: $1281/year
Customer: Jessica W.
Date: May 08, 2009
It was a wonderful experience the customer service person was amazing and very knowledgable. Thanks so much!
Longview, TX

For additional information about specific insurance laws in Texas, visit the Texas Department of Insurance website.

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