Austin Insurance Rates:

Austin ,TX Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Austin, TX homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Austin, TX is $2336. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Austin, TX: Customer-Reviewed Options


Austin, TX Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Austin, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Austin, TX.

Coverage Level Average Annual Premium
$100,000 $934
$200,000 $1,588
$300,000 $1,962
$400,000 $2,990
$500,000 $3,761


Austin, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in Austin can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
078703 $3,898
78730 $3,599
78742 $2,729
78733 $3,481
78738 $3,312
78731 $3,420
78732 $3,277
78735 $3,363
78739 $3,234
78726 $3,177
78756 $3,317
78701 $3,205
78704 $3,362
78737 $3,202
78759 $3,161
78750 $3,100
78705 $3,088
78751 $3,215
78722 $3,166
78757 $3,155
78717 $3,079
78749 $3,036
78736 $3,037
78727 $2,963
78729 $2,954
78748 $2,942
78723 $3,027
78702 $3,141
78728 $2,913
78754 $2,834
78745 $2,961
78752 $2,873
78758 $2,901
78753 $2,829
78721 $2,973
78741 $2,867
78725 $2,782
78719 $2,657
78744 $2,789
78724 $2,718


Austin, TX Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Austin, TX, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,395
$1000 Deductible $2,142
$1500 Deductible $2,021
$2500 Deductible $1,822
$5000 Deductible $1,542



Top Home Insurance Agents Near Austin, TX

Home Insurance Company Near Austin, TX Homeowners Insurance Agency Near Austin, TX Address
Liberty Mutual Independent Bkcw L P 9809 ANDERSON MILL RD, AUSTIN, TX, 78750
Travelers Dady Insurance Agency 3609 WILLIAMS DR STE 101, GEORGETOWN, TX, 78628
State Farm John Peterson 12962 N Hwy 183, Austin, TX, 78750-3240
Travelers Reata Insurance Group Inc 1213 RANCH ROAD 620 S STE 104, LAKEWAY, TX, 78734
Farmers Rodrigo Castilleja 1620 Red Bud Ln Ste 201, Round Rock, TX, 78664

Austin, TX Home Insurance Agents for Top Companies


Austin, TX Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Rollingwood city, Texas $200 $267 $401
West Lake Hills city, Texas $203 $271 $407
Lost Creek CDP, Texas $182 $243 $365


Austin, TX Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Austin, TX5.3%14.4%
West Lake Hills3.39%11.31%
Lost Creek3.92%10.15%

Austin Renters Insurance as a Percentage of Rent

Austin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 1,810 1.0% $781
$300 to $499 4,116 2.0% $1231
$500 to $749 33,875 19.0% $1906
$750 to $999 57,896 32.0% $2656
$1,000 to $1,499 56,744 32.0% $3781
$1,500 or more 20,149 11.0% $5431

Cost Of Homeowners Insurance By Street Near Austin, TX

Streets in Austin Area Homeowners Insurance Cost
Shelf Rock Rd, Shantivana Trl, Spanish Oak Trl, Aster Cove, Dodgen Way, Warpath Ln, Hunt Ln, Little Bear Rd, Elm Grove Ln, Bluebird Dr$1,087
Barsana Ave, Woodland Oaks Trl, Westway Dr, Quail Rd, Montvale Ln, Bullwhip Pass, Mockingbird Dr, Split Cedar Cv, Treetop Way, Turnstone Dr$1,086
Goldeneye Cir, Nopal Ln, Canvassback Dr, Copper Hills Dr, Fr 1626, Bryden Ln, Tender Valley Cv, Oakwood Dr, Lantana Trl, Wood Hollow Ct$1,090
Live Oak Ln, Nuthatch Dr, Ramrod Dr, Clover Leaf Cove, Cardinal Dr, Sagebrush Cir, Waxwing Dr, Brangus Rd, Arbor Trl, Willet Dr$1,096
Canyon Wren Dr, Copperplace Dr, Red Bud Trl, Saguaro Dr, Oxbow Trl, Old Bliss Spillar Rd, Mourning Dove Ln, Canvasback Dr, Dewberry Cove, Lazy Oak Cove$1,091

Austin, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Austin$162 to $165
West Lake Hills$203
Lost Creek$182

Austin, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Austin Homeowner Insurance Premium Example $2,000$1,600
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $17,800$16,600
Net Savings to Austin Home Owner from High Deductible Plan $1,200


Austin, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario Austin, TX Home Replacement Value MORE than Home Value Austin, TX Home Replacement Value LESS than Home Value
Replacement Value $266,500 $162,500
Insurance Premium based on Replacement Value $2,275 $1,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $63,500 Risk Exposure from Under Insuring Coverage is $40,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $550/year


Example Austin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceLiberty Mutual
Monthly Premium 86105409
Year Built 200619942011
Home Details 2 Beds, 1 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $150000-$175000$175000-$200000$500000-$600000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible