Houston Insurance Rates:

Houston, TX home insurance is nearly $879 to $1,190, about $73-$99/month. Our all inclusive research reveals consumers can save as much as $414 by getting many quotes

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Houston Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
USAA group
Home Insurance Rate of $170/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 2240 sqft Primary Residence Constructed In 1988 with Carpet Flooring, Membrane Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female 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 :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1270/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1930 sqft Rental Property Constructed In 2013 with Hardwood Flooring, Composition Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $310/8 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1180 sqft Vacation Property Constructed In 1970 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $500/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 1780 sqft Primary Residence Constructed In 1978 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

5 Beds, 5 Baths 2140 sqft Rental Property Constructed In 1983 with Carpet Flooring, Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1960 sqft Seasonal Residence Constructed In 2013 with Carpet over wood flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $670/10 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $70,000

2 Beds, 2 Baths 1214 sqft Primary Residence Constructed In 2006 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

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Houston Rates & Quotes Analysis:

Houston Area Estimated House Insurance
E Ritter Cir, Fichter Ave, Buckeye Dr, Palace Oaks Ct, Westmead Dr, Pallavi Woods Dr, Hope Village Rd, Honey Locust Dr, Oak Knoll Ln, Kingsford Dr$1,017
Drakewood Dr, Abigail Grace Ct, Bluejay Twin Cir, Park Royle Ct, Painted Mesa Cir, N Featherwood Dr, Shadow Hill Ln, N Pine Brook Way, Inkberry Dr, Refugio Ct$1,025
West St, Plum Knoll Ct, Northland Dr, Brookshire St, Saint Pl, Alvin St, Wayforest Dr, Woolwich Dr, Oates Ln, Hazy Brook Ln$1,077
Windsor Ln, Royalbrook Dr, Jan Kelly Ln, Custus St, Woodruff St, Beutel Dr, Gospel Way, Lake White Rock Dr, Berrington Dr, Drury Ln$1,031
Garden Grove Ct, Waterville Way, Allsup St, Emir, Lansbury Dr, del Papa St, Pointer St, Fox Mesa Ln, Merrill Hills Ct, Windy Meadow Dr$1,028
Maeline St, Windy Lake Dr, Heatherpark Dr, Saylynn Ln, Sagelink Dr, Fir Hollow Cir, Des Chaumes Ct, Brentwood Dr, Reeveston Rd, Carolina Grove Ln$1,083
Ralston St, Dallam Ln, NW Park Place Dr, Gaelic Ln, Mallow St, Lauderdale St, Keystone St, White Blossom Ln, Willow Shores Dr, Brackenridge St$1,079
Silver Rock Dr, N Hunters Court Dr, Haralson Rd, Peninsula Park Dr, Woodspring Acres Dr, Iris Hollow Way, Bedworth Ln, Oakside Dr, Sailors Moon Ct, Envoy St$1,029
Henson St, Ashford Meadow Dr, Sagelink Cir, Craddock Dr, Kit St, Raingreen Dr, Elgin Ct, Greenwillow Ct, Boyce St, Ridgewood Pl$993
Stephenson Rd, Huisache St, Ledgewood Dr, Linkterrace Ln, Jubilo Ln, Sunwood Dr, Rebel Yell Dr, Brownstone Ln, Furray Rd, Corner Creek$993

Insurance rates are influenced by a number of factors including:

  • Year Built: 154,326 Homes (12% of total homes ) built between 1960 to 1969 in Houston are paying home insurance between $1,812-$1,828. Places close to Houston, TX such as Hilshire Village, West University Place, Hunters Creek Village are more expensive by $431, $618, $863 respectively while Aldine and Galena Park are cheaper by $45 and $52 respectively for similar homes.
  • Bedrooms: 416,395 3 bedrooms homes (34% of total homes ) in Houston are paying about $808. Areas near to Houston such as Hilshire Village, West University Place, Hunters Creek Village are costlier by $178, $260, $368 respectively whereas Aldine and Galena Park are more economical by $10, $14 respectively for similar homes.
  • Auto Insurance Bundling: 134,293 Households (23% of all households) in Houston have 3 or more vehicles available and when it is bundled with home insurance you can save $258 and varies from Harris County ($259), Hilshire Village ($320), West University Place ($346).
  • Senior Discounts: 238,415 seniors (more than 55 years) occupied housing units (41% of total) in Houston get discounts between $155 to $157. The comparative concessions in proximate regions such as Harris County, Hilshire Village and West University Place are $155, $192 and $208 respectively.
  • New Homes discounts: New homes such as the 484,825 homes built between 2000 to 2009 in Houston can save $207 and similar new home insurance discounts in nearby towns and cities like Harris County, Hilshire Village and West University Place are $207, $256 and $277 respectively.

Houston Homeowners insurance Facts

  • Houston, TX has 568,877 owner occupied houses which is 53.0% of all units whereas Harris County, Hilshire Village and West University Place have 57.02%, 91.72% and 88.5% respectively.
  • Houston, TX homeowners yearly insurance price at $1,035 is 0.82% of the typical house value of $125,700 which is in contrast with 0.79% in Harris County, 0.23% at Hilshire Village & 0.18% in West University Place.
  • Homeowners in Houston, TX pay 2.76% of their income ($35,000 to $39,999) in insurance whereas homeowners in Harris County, Hilshire Village and West University Place pay 2.77%, 3.41% and 3.7% respectively.
  • Houston, TX’s insurance is 5.8% of monthly housing costs of $1,495/month, for owners with a mortgage compared to 5.62% in Harris County, 2.92% at Hilshire Village & 2.89% in West University Place. But, for households without a mortgage, insurance is 16.3% of costs ($530 in Houston, TX) in contrast with 15.99% in Harris County, 10.66% at Hilshire Village & 11.55% in West University Place.

Houston, TX Home Values & Insurance rates

For example, insurance for 15,572 Homes (3.0% of total homes ) valued between $50,000 to $59,999 in Houston, TX is about $424. Rates in nearby areas in such as Harris County, West University Place, Hedwig Village are cheaper by $20, $341, $318 respectively while Aldine and Jacinto City are costlier by $231 and $231 respectively for similar homes.

Houston, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 38,935 7.0% $196
$50,000 to $59,999 15,572 3.0% $424
$60,000 to $69,999 23,544 4.0% $527
$70,000 to $79,999 29,546 5.0% $610
$80,000 to $89,999 40,232 7.0% $693
$90,000 to $99,999 44,965 8.0% $776
$100,000 to $124,999 89,931 17.0% $900
$125,000 to $149,999 63,041 12.0% $1128
$150,000 to $174,999 50,994 9.0% $1335
$175,000 to $199,999 26,844 5.0% $1542
$200,000 to $249,999 38,458 7.0% $1852
$250,000 to $299,999 24,274 4.0% $2266
$300,000 to $399,999 29,730 5.0% $2877

Renters Insurance in Houston

  • Average Renters Insurance in Houston :  $200($16/month)

  • Median Gross Rent in Houston :  $857

  • Houston Renters Insurance to Median Rent Ratio:  1.87%

  • Renter occupied housing units in Houston :  503,841

Houston Renters Insurance as a Percentage of Rent

Houston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 5,310 1.0% $800
$300 to $499 23,523 4.0% $1250
$500 to $749 141,956 29.0% $1925
$750 to $999 147,062 30.0% $2675
$1,000 to $1,499 122,698 25.0% $3800
$1,500 or more 43,541 8.0% $5450

Rent Affordability in Houston:

Approximately 43.0% (221,444) of households are spending more than 35% of their income on gross rent in Houston

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 63,108 12.0%
15.0 to 19.9 percent 62,811 12.0%
20.0 to 24.9 percent 61,660 12.0%
25.0 to 29.9 percent 52,652 10.0%
30.0 to 34.9 percent 42,166 8.0%
35.0 percent or more 221,444 43.0%

Houston Renters Insurance Discounts:

Houston Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Houston, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 266,461 52.0% $20.0
2 vehicles available 136,146 27.0% $30.0
3 or more vehicles available 29,219 5.0% $40.0

Protective device discount in Houston Up to :  $30

Claims-free discount in Houston Up to :  $40

Houston, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
77099 $98,700 $1,020
77067 $97,000 $1,020
77086 $96,300 $1,030
77072 $96,100 $1,020
77088 $93,900 $1,020
77015 $93,500 $1,020
77037 $93,000 $1,020
77060 $92,200 $1,020
77091 $91,800 $1,020
77038 $90,300 $1,020
77039 $88,000 $1,010
77045 $87,900 $1,010
77017 $86,900 $1,020
77013 $86,800 $1,020
77053 $86,300 $1,020
77076 $85,800 $1,020
77087 $85,700 $1,010
77022 $83,900 $1,010
77048 $83,300 $1,010
77021 $82,400 $1,020
77012 $80,600 $1,010
77011 $78,300 $1,010
77093 $76,700 $1,010
77050 $76,400 $1,020
77032 $73,100 $1,010
77005 $723,300 $1,400
77020 $71,900 $1,010
77078 $67,700 $1,010
77016 $65,200 $1,000
77033 $65,000 $1,000
77024 $632,700 $1,330
77028 $61,000 $1,000
77026 $59,900 $1,000
77051 $54,400 $1,000
77056 $543,600 $1,290
77027 $455,900 $1,270
77098 $392,200 $1,230
77019 $379,900 $1,200
77025 $324,000 $1,170
77046 $320,900 $1,170
77079 $319,900 $1,170
77006 $306,000 $1,150
77007 $296,400 $1,160
77094 $284,600 $1,160
77008 $278,900 $1,150
77096 $256,300 $1,120
77059 $242,500 $1,120
77081 $221,900 $1,100
77057 $221,200 $1,110
77002 $216,400 $1,100
77055 $215,000 $1,100
77077 $209,100 $1,100
77042 $206,600 $1,090
77018 $205,600 $1,090
77069 $202,200 $1,090
77004 $200,800 $1,100
77063 $188,500 $1,080
77095 $168,300 $1,070
77068 $161,300 $1,070
77058 $158,500 $1,070
77062 $158,400 $1,060
77070 $157,900 $1,070
77009 $155,600 $1,060
77035 $151,100 $1,060
77043 $143,100 $1,060
77065 $143,000 $1,050
77041 $137,600 $1,040
77090 $137,000 $1,050
77064 $134,800 $1,050
77044 $131,000 $1,050
77082 $129,800 $1,040
77092 $129,400 $1,040
77080 $128,200 $1,050
77084 $127,400 $1,040
77089 $123,300 $1,040
77014 $122,600 $1,040
77071 $121,000 $1,040
77083 $119,800 $1,040
77066 $118,700 $1,040
77031 $118,300 $1,040
77075 $116,600 $1,040
77003 $116,100 $1,030
77054 $114,800 $1,040
77061 $113,800 $1,040
77073 $113,200 $1,040
77036 $112,500 $1,030
77085 $112,100 $1,030
77047 $104,800 $1,030
77034 $103,800 $1,030
77023 $103,000 $1,030
77074 $102,900 $1,030
77049 $100,400 $1,030