Fort Worth Insurance Rates:

Fort Worth, TX home insurance is approximately $873 to $1,180, about $72-$98/month. Our thorough guide indicates shoppers can save upto $410 by comparing different quotes

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Read Fort Worth, Texas Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Fort Worth Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $380/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 3050 sqft Primary Residence Constructed In 1995 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $830/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1010 sqft Vacation Property Constructed In 1993 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $210/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 2700 sqft Primary Residence Constructed In 1985 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $410/6 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Bath 1640 sqft Rental Property Constructed In 1995 with Carpet Flooring, Tile Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1430/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Bath 4110 sqft Vacation Property Constructed In 1994 with Stone Flooring, Metal Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $220/2 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Baths 2351 sqft Primary Residence Constructed In 2002 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $258/3 months for $160,000 Coverage
Our apartment complex is very secure with more than lots of apartments in the division so the cost of something ontoward happening and impacting our home insurance is remote.
We have 2 kids in high school & one in college and live in a house where we have been paying our mortage for the past 10 years and should expect to continue paying for the next 10 years.
Home Insurance Rate of $270/3 months for $300,000 Coverage
4 bedroom & 3.5. bathroom 4500 square foot near Woodland Springs with modern construction. High security area with close by fire station. House was bought about 7 years ago for $300,000
Couple in 40s. 3 kids. Non-smokers. Higher income with credit in the high 600s

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Fort Worth Rates & Quotes Analysis:

Fort Worth Area Estimated House Insurance
Rancho Viejo Way, Alton Rd, Glacier St, Central Ave W, Tristan Ln, Bittersweet Dr, Blue Meadow Dr, Colfax Ln, Chestnut St, Falcon Ridge Dr$1,045
N County Rd, Everman Pkwy, W Frwy Svc Rd N, Sendera Ranch Blvd, Fiesta Cir, W Cannon St, Falcon Dr, Ravine Rd, Ingrid Ln, Hallvale Dr$1,006
Aldridge Ct, Walraven Cir, Alliance Trl, W Mulkey St, Bolingbroke Pl, Sherwood Trl, Ridge Ln, King Oaks Ln, Ewing Ave, Buckskin St$1,039
NW 22nd St, Brazos Ave, Modlin Ave, Fawn Hill Dr, Gray Rock Dr, Ashley Ct, Cattlemans Way, Tyler Pl, Ridgecrest Trl, Brown St$1,140
Hassop, N Saginaw Blvd, Eastway Reserve, Jay Ln, Seminole St, Brent Dr, Bridge St, Gainsborough Way, Macie St, Dee Ln$1,031
Calloway St, Dodge St, Agave Way, Nelson Ave, Tallow Wind Trl, Randy Dr, Flint St, Bellaire Park Ct, Polo Ct, Wade Hampton St$1,024
Boca Agua Dr, Buffalo Gap Trl, Augusta Rd, Autumn Park, Sydney St, Ave K, Linwood Ln, Wood Dale Dr, Wren Haven Dr, Big Spring Ct$1,054
Hicks Field Rd, S Water Tower Rd, Greenway Rd, Mansfield Ave, S Blue Mound Rd, Quail Feather Dr, Rockdale Rd, Yucca Flats Trl, E Pafford St, Ridge Oak St$984
Kaltenbrun Rd, Cameron Creek Cove, Harvard St, Grayson St, W Mason St, Mont del Dr, Scotts Way, Barada Ct, Nottingham Blvd, Brangus Dr$1,018
Shady Valley Dr, Savannah Ln, Osage Trl, Sierra Blanca Dr, Clarke Ave, Chapel Wood Ct, Glenhaven Dr, Rim Rock Dr, Twilight Cir, Colton Dr$1,028

Insurance rates are influenced by a number of factors including:

  • Year Built: 41,488 Homes (13% of total homes ) built between 1970 to 1979 in Fort Worth are paying home insurance between $1,664-$1,679. Places close to Fort Worth, TX such as Westover Hills, Tarrant County, Benbrook are more expensive by $813, $23, $21 respectively while River Oaks and Westworth Village are cheaper by $23 and $25 respectively for similar homes.
  • Bedrooms: 81,725 2 bedrooms homes (26% of total homes ) in Fort Worth are paying about $626. Areas near to Fort Worth such as Westover Hills, Tarrant County, Benbrook are costlier by $306, $9, $8 respectively whereas River Oaks and Sansom Park are more economical by $8, $6 respectively for similar homes.
  • Auto Insurance Bundling: 40,429 Households (23% of all households) in Fort Worth have 3 or more vehicles available and when it is bundled with home insurance you can save $256. Discounts for similar bundling in close by locations such as Westover Hills, River Oaks, Westworth Village come to $381, $253, $252 respectively.
  • Senior Discounts: 72,341 seniors (more than 55 years) occupied housing units (42% of total) in Fort Worth get discounts between $153 to $156. The comparative concessions in proximate regions such as Westover Hills, River Oaks and Sansom Park are $229, $151 and $150 respectively.
  • New Homes discounts: New homes such as the 147,525 homes built between 2000 to 2009 in Fort Worth can save $205 in contrast with Westover Hills ($305), River Oaks ($202), Westworth Village ($202).

Fort Worth Homeowners insurance Facts

  • Fort Worth, TX has 169,614 owner occupied houses which is 59.9% of all units whereas Westover Hills, River Oaks and Westworth Village have 94.76%, 74.3% and 53.69% respectively.
  • Fort Worth, TX homeowners yearly insurance price at $1,026 is 0.92% of the typical house value of $112,000 which is in contrast with 0.15% in Westover Hills, 1.16% at River Oaks & 1.2% in Westworth Village.
  • Homeowners in Fort Worth, TX pay 4.56% of their income ($20,000 to $24,999) in insurance whereas homeowners in Westover Hills, River Oaks and Westworth Village pay 6.79%, 4.5% and 4.49% respectively.
  • Fort Worth, TX’s insurance is 6.3% of monthly housing costs of $1,369/month, for owners with a mortgage compared to 3.18% in Westover Hills, 8.31% at River Oaks & 8.21% in Westworth Village. But, for households without a mortgage, insurance is 17.6% of costs ($486 in Fort Worth, TX) in contrast with 12.71% in Westover Hills, 17.28% at River Oaks & 22.41% in Westworth Village.

Fort Worth, TX Home Values & Insurance rates

For example, insurance for 6,571 Homes (4.0% of total homes ) valued between $300,000 to $399,999 in Fort Worth, TX is about $3,201. Rates in nearby areas in such as Tarrant County, Benbrook, Edgecliff Village are cheaper by $539, $490, $237 respectively while River Oaks and Westworth Village are costlier by $847 and $994 respectively for similar homes.

Fort Worth, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 17,845 11.0% $225
$50,000 to $59,999 7,568 4.0% $471
$60,000 to $69,999 9,581 5.0% $595
$70,000 to $79,999 11,471 7.0% $677
$80,000 to $89,999 13,470 8.0% $769
$90,000 to $99,999 13,053 8.0% $861
$100,000 to $124,999 24,671 15.0% $1005
$125,000 to $149,999 19,039 11.0% $1251
$150,000 to $174,999 14,630 9.0% $1487
$175,000 to $199,999 7,784 4.0% $1713
$200,000 to $249,999 9,554 5.0% $2062
$250,000 to $299,999 6,233 3.0% $2513
$300,000 to $399,999 6,571 4.0% $3201

Renters Insurance in Fort Worth

  • Average Renters Insurance in Fort Worth :  $212($17/month)

  • Median Gross Rent in Fort Worth :  $833

  • Fort Worth Renters Insurance to Median Rent Ratio:  2.04%

  • Average household size of renter-occupied unit :  2.54

Fort Worth Renters Insurance as a Percentage of Rent

Fort Worth Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,988 1.0% $353
$200 to $299 2,238 2.0% $803
$300 to $499 6,787 6.0% $1253
$500 to $749 31,640 28.0% $1928
$750 to $999 33,500 30.0% $2678
$1,000 to $1,499 25,930 23.0% $3803
$1,500 or more 7,130 6.0% $5453

Protective device discount in Fort Worth Up to :  $31

Claims-free discount in Fort Worth Up to :  $42

Fort Worth, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
76112 $96,500 $1,030
76134 $94,500 $1,020
76103 $88,100 $1,020
76110 $86,100 $1,010
76111 $80,200 $1,010
76106 $69,000 $1,010
76115 $63,000 $1,000
76119 $59,300 $1,000
76104 $55,300 $1,000
76105 $50,600 $1,000
76109 $298,900 $1,160
76132 $241,200 $1,110
76102 $192,700 $1,080
76107 $192,400 $1,090
76177 $173,400 $1,080
76123 $142,000 $1,050
76137 $136,800 $1,050
76131 $135,600 $1,050
76120 $135,300 $1,040
76116 $126,400 $1,050
76135 $112,400 $1,040
76133 $108,800 $1,030