How much is homeowners insurance in Houston, TX?

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Houston is $5,853 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $3,349 more than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Houston depend on several factors, including:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

State Farm is the cheapest homeowners insurance company in Houston with an average annual premium of $3,957 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Houston. Keep reading to learn about the monthly cost of homeowners insurance in Houston, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Houston.

How much is homeowners insurance in Houston per month

According to our rate analysis, homeowners in Houston pay an average of $488 per month. It’s $168 more than the state average of $320 and $279 more than the national average for home insurance across the United States.

In Houston, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

How much is homeowners insurance for a $200,000 house in Houston

The average cost of homeowners insurance in Houston, TX is $4,192 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Houston

According to a rate analysis by Insure.com, homeowners in Houston pay an average of $5,853 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,661 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Houston by company

After evaluating several carriers, State Farm is the least expensive homeowners insurance provider in Houston. It’s average annual rate for homeowners in Houston is $3,957, while Progressive holds the second position.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Houston and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Houston and their average annual premiums.

Common natural disasters in Texas that may affect home insurance

Living in Texas comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Cold wave, Hail, Heat wave, Lightning, Riverine flooding, Strong wind, Tornado and Winter weather are some of the most common natural disasters in Texas that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are often excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance helps pay for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Houston for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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