Houston, TX Home Insurance - Analysis On Quotes, Rates & Agents
Houston Insurance Rates:
Houston, TX homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State FarmSo far so good i guess there have been a few bumps along the one month road but will have to wait and see if they are worth the money
AllstateThey don't like to pay for anything. they like to drag things. cases are hard to get resolved and paid.
ProgressiveThey have a great website and it is easy to navigate and search when-when you are thinking about new services
Rvos InsuranceOne thing that I like about my home insurance provider is that my agent is always available to answer any questions that I have. When I call my agent, even if he is not able to take my call right away, I always get a callback very quickly.
State FarmPrice is a little bit higher than some of the bargain insurance outlets, but you get what you pay for. State Farm is well worth the slightly higher prices you may pay.
AllstateIt's easy to use and it has all the information that I need about my policy readily accessible. I have a hard time remembering my login sometime, but it's easy to reset.
State FarmI dislike that my agents are constantly changing and no one ever notifies us. It is truly frustrating finding out that I have a new agent and I wasn't notified.
State FarmI think they are no better or worse than other companies. I am satisfied as long as I am able to get through easy with calling. I hate talking to computers and I think they are slightly better than other companies.
Liberty MutualLiberty Mutual has outstanding customer service. If you need to call them for an emergency they are very helpful and understanding. They are there to answer any questions about your policy.
NationwideWhen we shopped for premiums a few years ago they had the best actual premium for what we wanted. we have a number of homes cars and a boat so it was the total premium that mattered, not just once the house
MetlifeThere is only one thing I dislike about the company. I was laid off in 2009. They wouldn't let me set up an automatic deduction through my bank. They raised the prices since I was no longer getting the work discount.
AllstateThe premium for our new house dropped significantly when we moved 1 year ago. We get substantial discounts by combining car insurance as well as homeowners. Other insurance companies are higher and I don't know if I can trust them.
State FarmOverall confusing things that are told by customer service or inconsistent rules applied at the time
State FarmTheir color scheme is absolutely awful. Red and tan? come on folks that are no brainier for disaster. I like the red but I think they should go to a gold. or some sort of dark wood stained color with the red. Maybe like walnut.
State FarmThe top item that I would highlight is their knowledgeable staff and ability to communicate with me on a one on one basis, filling in the gaps in my own knowledge and being understanding to my situations.
State FarmI love this company. My agent knows me by name, and i can call them whenever i need something or if i have any questions.
Allstatein this insurance company was very useful for me. Because it gives a lot of policies and discounts so i recommend my friends and relations. It gives a low cost of premium it help to me.
Progressiveit makes so easly and good offerd and compared with the insurance provider.at being those offerd to be get be there allowed at once.
ProgressiveI like the competitive rates and the technology platform of the mobile app. While I have never filed a claim with this company, I feel they are trustworthy and reputable based on my research and overall feel the value I receive is comparable to other companies with a slightly lower premium and the same value.
Rvos InsuranceMy premium is low but my coverage is good. The company seems fair and dedicated to customer service. It is easy to use and affordable. I feel safe and protect by my coverage.
Houston, TX Homeowners Insurance By Home Value
| Houston, TX Home Value | Total Homes | % of Total | Average Houston, TX 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 |
Top Home Insurance Agents Near Houston, TX
| Home Insurance Company Near Houston, TX | Homeowners Insurance Agency Near Houston, TX | Address |
|---|---|---|
| NA | Twfg Insurance Services | 2620 Chestnut Ridge Kingwood, Houston, TX, 77339 |
| NA | Insurance Solutions Of America | 5901 Hillcroft St. Ste D-4, Houston, TX, 77036 |
| NA | Ward Business Insurance Agency, Lp | 18477 W Lake Houston Pkwy., 18477 W Lake Houston Pkwy., , Humble, TX, 77346 |
| Farmers | Jay Bhavsar | 4151 Southwest Fwy Ste 520, Houston, TX, 77027 |
| State Farm | John Cowart | 2757 Rayford Rd Ste C, Spring, TX, 77386-3999 |
Cost Of Homeowners Insurance By Street Near Houston, TX
| Streets in Houston Area | Homeowners Insurance Cost |
|---|---|
| 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 |
Houston, TX Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Houston | $155 to $157 |
| Harris County | $155 |
| Hilshire Village | $192 |
| West University Place | $208 |
Houston, 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 |
|---|---|---|---|
| Harris County, Texas | $130 | $173 | $259 |
| Hilshire Village city, Texas | $160 | $213 | $320 |
| West University Place city, Texas | $173 | $231 | $346 |
Houston, TX Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Houston, TX | 5.8% | 16.3% |
| Harris County | 5.62% | 15.99% |
| Hilshire Village | 2.92% | 10.66% |
| West University Place | 2.89% | 11.55% |
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 |
Houston, TX Homeowners 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 |
Houston, TX Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $2,800 |
| Yearly Houston Homeowner Insurance Premium Example | $2,000 | $1,600 |
| Out of Pocket Expense During Claim | $800 | $2,800 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $14,800 | $14,000 |
| Net Savings to Houston Home Owner from High Deductible Plan | $800 | |
Houston, TX Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Houston, TX Home Replacement Value MORE than Home Value | Houston, TX Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $836,500 | $608,500 |
| Insurance Premium based on Replacement Value | $8,700 | $6,325 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $83,000 | Risk Exposure from Under Insuring Coverage is $145,000 |
| Premium Impact | Insurance cheaper by $1,500/year | Insurance costlier by $875/year |
Example Houston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Amica Mutual Insurance Company | Allstate | Farmers Insurance |
| Monthly Premium | 68 | 95 | 234 |
| Year Built | 1986 | 2003 | 2010 |
| Home Details | 2 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $100000-$125000 | $150000-$175000 | $300000-$350000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |
Sample Home Insurance Rates for Houston, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2010 | 155,000 | Slate Shingles Roof | 1,790 | 2 | $500 Deductible | 1040 | 9 | Wood siding | yes |
| 1983 | 245,000 | Composition Roof | 2,960 | 4 | $5000 to $10,000 Deductible | 1050 | 8 | Vinyl siding | yes |
| 1991 | 125,000 | Composition Roof | 1,830 | 5 | $500 Deductible | 700 | 8 | Vinyl siding | No |
| 1978 | 125,000 | Composition Roof | 1,370 | 3 | $500 Deductible | 520 | 6 | Vinyl siding | yes |
| 1994 | 265,000 | Shingles Roof | 2,780 | 4 | $2500-$5000 Deductible | 1240 | 6 | Wood siding | yes |
| 1965 | 105,000 | Composition Roof | 1,210 | 2 | $500- $1000 Deductible | 60 | 1 | Stone Siding | No |
| 1975 | 125,000 | Tile Roof | 1,890 | 3 | $500- $1000 Deductible | 910 | 10 | Fiber-Cement Siding | yes |
| 1969 | 155,000 | Asphalt Shingles Roof | 1,720 | 3 | $2500-$5000 Deductible | 650 | 9 | Vinyl siding | No |
| 2011 | 85,000 | Composition Roof | 1,210 | 2 | $500- $1000 Deductible | 280 | 5 | Stucco siding | yes |
| 1965 | 160,000 | Composition Roof | 2,240 | 5 | $500 Deductible | 380 | 3 | Vinyl siding | yes |
| 1988 | 165,000 | Asphalt Shingles Roof | 1,880 | 4 | $500 Deductible | 290 | 2 | Wood siding | No |
| 1975 | 110,000 | Tile Roof | 1,290 | 3 | $1000-$2500 Deductible | 240 | 3 | Stucco siding | No |
| 1994 | 210,000 | Slate Shingles Roof | 3,220 | 5 | $5000 to $10,000 Deductible | 980 | 8 | Fiber-Cement Siding | No |
| 2012 | 85,000 | Composition Roof | 1,310 | 2 | $2500-$5000 Deductible | 80 | 2 | Fiber-Cement Siding | No |
| 1990 | 245,000 | Asphalt Shingles Roof | 3,070 | 4 | $2500-$5000 Deductible | 1050 | 7 | Stucco siding | yes |
| 1994 | 120,000 | Slate Shingles Roof | 1,540 | 2 | $500 Deductible | 800 | 8 | Stone Siding | yes |
| 2012 | 275,000 | Shingles Roof | 3,210 | 4 | > $10,000 Deductible | 380 | 4 | Stucco siding | No |
| 2009 | 145,000 | Metal Roof | 2,100 | 5 | $1000-$2500 Deductible | 830 | 8 | Vinyl siding | yes |
| 2014 | 245,000 | Metal Roof | 3,240 | 5 | $2500-$5000 Deductible | 1110 | 7 | Brick siding | No |
| 1999 | 150,000 | Wood Shake Roof | 1,870 | 4 | $2500-$5000 Deductible | 250 | 3 | Stucco siding | yes |
| 1982 | 195,000 | Wood Shake Roof | 2,430 | 4 | $500- $1000 Deductible | 560 | 6 | Stucco siding | yes |
| 1988 | 155,000 | Slate Shingles Roof | 2,290 | 3 | $1000-$2500 Deductible | 520 | 4 | Wood siding | No |
| 2003 | 140,000 | Membrane Roof | 1,730 | 5 | $2500-$5000 Deductible | 330 | 6 | Stone Siding | yes |
| 1988 | 155,000 | Membrane Roof | 2,240 | 3 | $5000 to $10,000 Deductible | 170 | 2 | Wood siding | No |
| 2013 | 185,000 | Composition Roof | 1,930 | 4 | $2500-$5000 Deductible | 1270 | 9 | Wood siding | No |
| 1970 | 75,000 | Wood Shake Roof | 1,180 | 2 | $2500-$5000 Deductible | 310 | 8 | Vinyl siding | yes |
| 1978 | 160,000 | Asphalt Shingles Roof | 1,780 | 3 | $500- $1000 Deductible | 500 | 5 | Stone Siding | yes |
| 1983 | 180,000 | Shingles Roof | 2,140 | 5 | $1000-$2500 Deductible | 210 | 2 | Brick siding | yes |
| 2013 | 135,000 | Asphalt Shingles Roof | 1,960 | 3 | $500- $1000 Deductible | 330 | 4 | Fiber-Cement Siding | No |
| 2006 | 70,000 | Composition Roof | 1,214 | 2 | $2500-$5000 Deductible | 670 | 10 | Wood siding | yes |