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Homeowners in Houston, TX, pay an average home insurance rate of $1,046 annually. This translates to about $73-$99 per month. According to Vhome’s research, homeowners in Houston can save up to $414 annually by choosing the cheapest home insurance company according to their needs.

Allstate

Backed by a keen understanding of regional home insurance trends, Allstate employs local agents in Houston to provide the cheapest quotes on home insurance rates. For a deductible rate of $500-$1,000, the insurance company quoted a monthly insurance rate of $95 for a house built in 2003 on a policy coverage between $150,000-$175,000. Homeowners can further lower insurance rates by paying a high deductible to make their insurance payments cheaper.

Farmers

In the year 2002, when Hurricane Rita struck Houston’s neighborhood city of Beaumont, Farmers sent 300 agents to estimate the property damage of their policyholders and also donated $100,000 for the city’s welfare. This earned Farmers a special place in the insurance market in the state of Texas. Farmers quoted a $234 monthly insurance rate for a house built in 2010 on a policy coverage between $300,000-$350,000.

Travelers

Homeowners who have a policy with Travelers, pay an insurance rate of $4,340 on a policy coverage of $125,000-$150,000, provided, they choose to pay a deductible rate of $1,000. The insurance company provides a discount of up to 13% if homeowners bundle their home insurance policy with auto insurance policies. Travelers also offers discounts and incentives for green homes.

Amica Mutual

Amica Mutual Insurance Company quoted a monthly insurance rate of $68 for a home built in 1986 on a policy coverage between $100,000-$125,000 for a deductible rate of $500. Homeowners can save up to 15% if they bundle their home insurance policy with auto insurance policy. Amica Mutual also provides multiple discounts on home insurance rates, making them one of the most reasonable insurers in Houston.

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