According to the Consumer Federation of America, Texas is one of the states with the most expensive homeowners insurance, with annual premiums typically ranging from $4,000 to $5,500.
But just because rates are high doesn’t mean you have to overpay. You can still find cheap home insurance in Texas by comparing multiple insurance options and taking advantage of available insurance discounts.
This guide will help you:
- Compare top affordable providers to get the cheapest Texas homeowners insurance.
- Understand what influences insurance costs in the state.
- Learn simple ways of getting discounts on your policy.
Top Affordable Home Insurance Providers in Texas for 2025
Want cheap house insurance in Texas?
By comparing the average annual insurance rates of the top affordable providers, you can choose the cheapest option and lower your average homeowners insurance cost.
Below are insurers with average annual rates below the Texas average range of $4,000 - $5,500.
| Home Insurance Company | Average Annual Rate |
|---|---|
| Progressive | $2,108 |
| Farmers | $2,535 |
| USAA | $2,704 |
| Texas Farm Bureau | $3,619 |
| Nationwide | $3,682 |
The figures in the table are rough estimates from the top home insurance companies in Texas. However, rates change often and vary widely from one person to another. The best way to compare prices accurately is by getting personalized home insurance quotes.
You simply head to a quote comparison site like EverQuote and enter a few details about yourself and your property, such as where you live and when your home was built. Within minutes, you’ll get custom quotes you can use to find cheap homeowners insurance in Texas.
Factors That Affect Home Insurance Rates in Texas
When determining how much to charge, insurance companies look at you and your property. Each insurer’s premium formula is different. But common factors they consider include:
- Your home’s age: Older homes typically have higher premiums due to outdated systems and structural issues that increase their susceptibility to damage.
- Your property’s features: Things like pools, hot tubs, and trampolines can raise the risk of injury claims, leading to higher premiums.
- Your claims history: Whenever insurance companies in the U.S. start, deny, or pay out a claim, they report it to an agency called LexisNexis. That way, they can easily look up anyone’s claim history when setting rates. The more home insurance claims you have, the higher your premiums may be.
- Your credit score: The score reflects how well you manage your finances, which is a strong predictor of how likely you are to file claims, according to the Insurance Information Institute. That’s why a higher credit score can lower your insurance rate, while a lower one can raise it.
Regional Weather Risks Impacting Texas Home Insurance
Insurers don’t just look at you and your home. They also consider how often weather-related disasters hit your area.
Texas leads the nation in both the most frequent severe weather events and the most expensive damages related to natural disasters.
According to the Texas Department of State Health Services, the state experiences hurricanes, floods, tornadoes, wildfires, winter storms, and extreme heat waves.
Exposure to extreme weather significantly increases the risk of home damage and the number of times Texans file home insurance claims. This explains why premiums are so high in the state.
Tips to Secure Discounts on Texas Home Insurance
Shopping for the cheapest rates isn’t the only way to get affordable homeowners insurance in Texas. Most companies offer discounts to eligible customers, which reduces your policy’s costs.
Common best practices to qualify for insurance discounts include:
Bundle Your Home and Auto Insurance Policies
Most insurers offer a discount if you buy both car and homeowners insurance. For example, USAA knocks up to 10% off your homeowners premium when you buy the two policies from them.
Make Safety Upgrades in Your Home
Depending on the perils covered by your Texas insurance policy, you may earn a discount for installing:
- Anti-theft systems, such as cameras and burglar alarms
- Anti-fire features, such as automatic sprinklers
- Smoke and water-leak detectors
If you already have a security system that reduces the risk of covered risks from happening, inform your insurer to get the discount.
Check Whether You Qualify for Discounts Related to Your Age or Occupation
Some insurers offer discounts for seniors or retirees. Others have special deals for certain jobs, such as firefighters and military members (active or retired).
Common Coverage Options and What They Cost in Texas
Most home insurance policies in Texas include the following coverages:
| Type of Coverage | What It Covers | Examples | Typical Coverage Limit |
|---|---|---|---|
| Dwelling coverage | Repairs or rebuilds your home after a covered loss | Roof, foundation, gutters, chimney, deck | Full cost to rebuild your home |
| Personal property | Replaces personal belongings inside your home | Furniture, clothes, electronics, jewelry | 50% of dwelling coverage |
| Loss of use | Covers temporary housing and extra living expenses if you’re displaced | Hotel stays, meals, laundry, transportation | 10% to 30% of dwelling coverage |
| Personal liability | Covers a third party’s injuries or property damage at your home if you’re legally liable | Medical bills, lost wages, legal costs | $100,000 - $500,000 or more (based on net worth) |
Adding multiple types of coverage and choosing higher limits will increase your home insurance premium.
Avoiding Common Mistakes When Buying Home Insurance
Avoid the following home insurance mistakes to save money and get the coverage you need:
- Setting your deductible too low or too high: A higher deductible lowers your premium. But make sure it’s an amount you can actually afford to pay out of pocket if you need to file a claim.
- Carrying insufficient insurance coverage: If you’re underinsured, you won’t have enough financial support from your insurer in case of home damage. Make sure your policy covers not just the home but the personal belongings inside.
- Buying insurance from the first provider you find online: To get cheap home insurance in Texas, it’s best to compare quotes from multiple companies. If you don’t shop around, you might miss out on a better deal.
Get Customized Home Insurance Quotes for Texas
Home insurance rates vary a lot by zip code and property information. The best way to get cheap home insurance in Texas is to compare custom options.
With EverQuote, you can get a custom home insurance comparison for free in just a few minutes. Get tailored home insurance quotes today to find the most affordable options in Texas.