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Texas Home Insurance - What's Happening

Texas home insurance reflects what life's like in the Lone Star State – exciting but full of challenges. That's why average Texas home insurance quotes for the second quarter of 2014 totaled $1,107 – about 36% more than the U.S. average of $815. Things are bigger in Texas, and that goes for the potential risks to homes as well.

The state is vulnerable to tornadoes, hurricanes, and powerful thunderstorms, among other natural disasters, and Texas homeowners insurance rates reflect the excitement of living in the state. That said, you can still find affordable home insurance that fits your budget.

Call today to get your quote. If you can't call, get started on a quote by entering your ZIP code and year built in the form on this page.

Curious about car insurance? Click here to learn more about auto insurance in Texas.

Texas Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Insurers like that Texas homes, on average, aren't as old as those in other states. But those newer homes also are larger than the average across the country, making them more expensive to insure. One positive factor is the average replacement cost, among the most reasonable in the country.


Average year built

Built in 1989, the average Texas home is attractive to insurers.


Average home size

Texas homes average 2,171 square feet, among the nation's largest.


Average replacement cost

At $254,244, replacement costs are reasonable.


% of homes with sump pump

Only 1% of homes have a sump pump, in part because few have basements.

Property (Factors related to the property and location)

The state fared poorly in all three categories that go into this grade. The average insured cost of other structures (detached garages, sheds and fences, for example) on property belonging to Texas homeowners topped $42,000, among the nation's highest.

Texas homeowners also reported substantial risk factors outside the home that increased liability risks for providers. More than 10% own swimming pools, and 2% store all-terrain vehicles on their property. Both these factors increase the chances of injuries and lawsuits and raise the chance of claims.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

Only 91% of homes reported having fire extinguishers. Why is this important? Fire claims are the most expensive for insurers, topping $33,000 on average.


% of homes with dead bolt locks on exterior doors

99% of homes in the state have these locks, which bolster security and make things tougher on burglars.


% of homes with smoke detectors

Again, the state fared well on this anti-fire measure.


% of homes with security alarms

With 33% of homes reporting having security alarms, Texas ranked behind only Georgia

Overall Grade – C (stuck in the middle)

The team doesn't like average grades, but that's what we assigned Texas after evaluating policies sold in the Lone Star State based on home, property, and bonus factors that go into evaluating Texas home insurance quotes. Property features proved to be the largest drag on the Texas grade, and even stellar bonus scores couldn't lift the overall marks.

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