Home Insurance Texas homeowners insurance calculator The average homeowners insurance rate in Texas is $321 a month for a policy with $300,000 in dwelling and liability coverage, a $1,000 deductible and a 2% hurricane deductible. That’s well above the national average and can be even more costly in some areas. View Carriers Please enter valid zip Compare top carriers in your area Written by Tonya Sisler Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. Expert insight from Amy Bach Amy Bach Executive Director of United Policyholders.Go to comment Posted on: August 7, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Texas home insurance rates are significantly higher than the national average of $2,601 at $3,851 annually. That’s for a policy that includes $300,000 in dwelling and liability coverage with a standard deductible of $1,000 and a 2% hurricane deductible. Rates may be much higher in some parts of the state. Homeowners insurance is high in Texas for many reasons. These include a higher-than-normal number of claims due to the state’s susceptibility to natural disasters, and pricey building and labor costs. Our Texas homeowners insurance calculator can help you estimate what you can expect to pay based on your needs. Texas home insurance calculator See how the average annual home insurance rates vary with the options chosen. State AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000$300,000$400,000$600,000$1,000,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $100,000 or $300,000 are recommended. $100,000$300,000 Deductible Standard ($1000)Hurricane (2% of insured value) Filter Average Annual Home Insurance Rates In Texas $4,082 Average rate $9,999 Highest rate The estimated highest premium in Texas $1,054 Lowest rate The estimated lowest premium in Texas START SHOPPING NOW Home insurance companies in Texas Company Average annual rate USAA $3,263 State Farm $3,718 Farmers $3,860 Progressive $4,085 Nationwide $5,483 Key Takeaways The average cost of home insurance in Texas is $3,851 for a policy that includes a 2% hurricane deductible. Texas homeowners insurance is higher than average due to the high risk of multiple types of severe weather, including hurricanes. Wind insurance isn’t included for homeowners on the Gulf Coast, and standard homeowners insurance doesn’t include flood insurance. How to use the Texas home insurance calculator Average homeowners insurance rates vary based on location, specifics of the home and coverage limits. Use the home insurance calculator below to see the average costs in Texas. Choose how much dwelling coverage you would like. Make sure it’s high enough to cover rebuilding your home if necessary; choose the amount that is closest to your home’s actual replacement cost. Choose your liability coverage limit, which covers medical costs and other expenses if you are responsible for injuries to someone else and expenses if you damage someone else’s property. Choose your deductible. The deductible is the amount you’re responsible for when you file a claim against your home insurance policy. A higher deductible means lower rates, but you should be prepared to pay it if necessary. How does dwelling coverage affect homeowners insurance in Texas? Dwelling coverage is the most important part of a home insurance policy. It pays for damage to your home, whether it’s repairs or replacement. Although rates are higher for increased coverage, you need enough coverage for the replacement cost of your home, which is how much it would cost to rebuild at today’s prices. “[Insure] your dwelling for its replacement cost value (what a local builder would charge to rebuild it) or paying for “Extended Replacement Cost” coverage as a cushion, having enough “Additional Living Expense” (temporary rent benefits) to last at least two years if needed,” says Amy Bach, executive director of United Policyholders, a nonprofit consumer organization. The table below shows average home insurance rates in Texas at various dwelling coverage levels, so you can see how the coverage amount affects costs. Each rate includes $300,000 in liability coverage with a $1,000 deductible and a 2% hurricane deductible. Dwelling coverageAverage annual rateAverage monthly rate$200,000$2,951$246$300,000$3,851$321$400,000$4,744$395$600,000$6,804$567$1,000,000$10,469$872 What is a hurricane deductible, and how does it impact home insurance rates in Texas? In Texas, home insurance can and often does include a hurricane deductible. This deductible applies only to damage caused by a hurricane. If you don’t have a hurricane deductible on your policy, you may pay more for coverage since the insurance company is taking on more of the cost of a potential claim. You may also not have hurricane coverage at all; in areas on the Gulf Coast, windstorm coverage must be purchased separately. The hurricane deductible can vary, and some insurers charge a percentage of the home’s value instead of a flat fee. This table shows average Texas homeowners insurance rates with and without a hurricane deductible. Average annual rates with hurricane deductibleAverage annual rates without a hurricane deductible$3,851$4,583 Average homeowners insurance cost in Texas The average homeowners insurance cost in Texas is $3,851, based on $300,000 in dwelling and liability coverages with a $1,000 deductible, with a 2% hurricane deductible. Texas rates are significantly higher than the national average of $2,601. Home insurance rates in Texas are significantly influenced by factors such as labor shortages, costly building materials and the prevalence of natural disasters like hurricanes, floods and tornadoes. Dwelling coverageLiabilityAverage annual rateDifference compared to the national average$300,000$300,000$3,851$1,250 Average cost of home insurance in major Texas cities Home insurance rates vary significantly in Texas cities based on factors like weather, crime rates, age of homes and building costs. However, even San Antonio, the cheapest city in Texas, is still more expensive than the national average. The table below breaks down average home insurance rates in major Texas cities. CityAverage annual rateAverage monthly rateArlington$4,244$354Austin$2,609$217Corpus Christi$4,741$395Dallas$4,129$344El Paso$2,144$179Fort Worth$4,226$352Houston$5,860$488Lubbock$3,911$326Plano$4,090$341San Antonio$2,721$227 What our expert says Q: What coverage do homeowners need? Amy BachExecutive Director of United Policyholders “Insuring your dwelling for its replacement cost value (what a local builder would charge to rebuild it) or paying for "Extended Replacement Cost" coverage as a cushion, having enough "Additional Living Expense" (temporary rent benefits) to last at least two years if needed [is important].” Methodology Insure.com commissioned home insurance rates from Quadrant Data Services in late 2023 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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