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.

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Discounts Available on Home Insurance in Houston, TX

The average price of homeowners insurance in Houston, TX, is $1697. Home is where you feel most comfortable. And for most people in Houston, their home is also their most significant investment. So it would be best if you protect that investment by choosing the right home insurance in Houston, TX.

Have a peek at the cheapest home insurance companies in Houston, Texas, to find the best home policy that fits your requirements.

Top Home Insurance Companies in Houston, TX

Homeowners looking for the best home insurance in Houston will find no shortage of options. Below listed are a few best insurance companies that offers affordable homeowners insurance in Houston, TX.


Cost of insurance based on the coverage level in Houston, TX

The insurance company you choose to insure and protect your home is very prominent. Coverage is the package that covers all the damages to your home due to unfortunate incidents. Houston, TX, homeowners paying a coverage of $100K can avail of home insurance for $1169. Typically homeowners choose to pay coverage of $200K to $300K, which comes to $2489 and $4562, respectively.


Cost of insurance based on the deductibles in Houston, TX

If your home is damaged in an unfortunate event, you'll have to pay a deductible before your insurance company pays the rest of the claim. In other words, a deductible is the portion of coverage that you have to pay from your pocket. Houston homeowners opt for a higher deductible to lower their insurance premiums. A deductible is the share of coverage that the policyholder has to pay from his own pockets. Once the policyholder files a claim and meets their deductible, the insurance company pays the leftover balance up to their policy limit.

So, Houston homeowners paying a high deductible of $2500 can avail of home insurance for $1219. Likewise, Houston homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $1428 and $1297, respectively.

Cost of insurance based on the insurance bundling in Houston, TX

Bundling your home and auto insurance policies can be a great way to save money on home insurance in Houston, TX. Many insurance companies offer discounts on combined policies, so you could get lower prices by bundling in Houston.

For instance, State Farm usually offers an average annual auto insurance rate (with bundle) for $1,234.53 in Houston, Texas.

Ways to Lower the Cost of Home Insurance in Houston, TX

The amount of savings one can obtain on home insurance depends on a lot of factors such as the age of the home, the construction material used, and home safety devices that have been installed. The average cost of home insurance in Houston is $1,697, which is way higher than the average cost of home insurance in the state of Texas and the country as a whole. Homeowners can benefit by comparing multiple home insurance quotes before arriving at one that best suits their needs.


Home Safety Devices:

The cost of home insurance can vary from one neighborhood to another based on how prone that neighborhood is to thefts and break-ins. Home insurance companies provide discounts for various home-safety devices, some of which are listed above. Deadbolts garner the most number of discounts at $238, while smoke detectors are not far behind at $221.


Bundling together home, life and auto insurance with the same insurance company can also help in improving savings in Houston. For instance, Allstate offers a discount of up to 10% on auto insurance and 25% off on home premiums when home and auto insurances are bundled together. State Farm, another popular insurer claims that bundling together home and auto insurance with them, can help in improving savings up to $854.

Retiree/Senior-Citizen Discounts:

Home insurance companies also offer discounts to retirees and senior citizens. In Houston, this discount can be anywhere near $238. The cost of home insurance can reduce to as low as $1,935. Further, insurers also offer discounts to newly constructed homes. This can be anywhere near $500.

Construction Type:

Home insurance companies also offer discounts on superior and environment-friendly construction types. With the increasing global temperature, home insurance companies are trying their best to assist homeowners in reducing their carbon footprint by offering discounts on greener homes. In Houston, fire-resistive construction can fetch discounts of up to $170. A superior construction type can also help in improving savings considerably.


Discounts are also offered by home insurance companies if the home is absolutely smoke-free. Being a non-smoker reduces the risk of fire at home. With the advent of cutting-edge technology such as Google homes, home insurers are also providing discounts to homeowners with smart homes.

Houston, TX, Home Insurance Companies With The Cheapest Rates

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.


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.


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.


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.


How To Choose A San Antonio, TX, Home Insurance Company

The average homeowner's insurance in San Antonio, TX, is $1036 per annum. According to Vhome’s analysis, San Antonio homeowners can save as much as $410 by comparing quotes and reviews from different home insurance companies. 

Home Insurance Company Ratings

Home insurance companies are rated on two main criteria, namely financial strength and customer satisfaction. The ratings provided by reputable agencies on home insurance companies will help San Antonio homeowners choose a good home insurance company. For example, State Farm has a financial strength rating of A++ (superior) from A.M. Best and a rating of AA (very strong) from S&P Global.

Comparing Quotes

The insurance quotes provided by two different home insurance companies will never be the same. Agents work with homeowners to create a home insurance policy that meets the requirements of homeowners. Based on the policies, quotes are provided to homeowners. Homeowners are advised to approach multiple home insurance companies to get the cheapest quote.

Providing Discounts

Home insurance companies tend to provide discounts to homeowners, whose homes are less prone to damage and burglaries. San Antonio homes built with fire-resistant materials earn a $124 discount, whereas, brick and masonry homes get a $62 discount. Homes located close to police departments and fire stations get discounts of up to $41 and $31, respectively.

Processing a Claim

Home insurance companies require proof of loss statements and supporting documentation from homeowners to analyze and issue a claim. Homeowners are advised to choose companies that have 24/7 claim support service, and are swift in processing claims. According to the law, home insurance companies have 40 days to accept or deny a claim.

Post-Claim Insurance Rates

Filing a claim would increase home insurance costs significantly. Vhome’s analysis reveals, home insurance companies increase home insurance costs up to 44% based on claims history. We caution homeowners to be aware of the potential increase in home insurance rates as a result of filing claims.


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

Houston, TX Home Insurance Agents for Top Companies

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

PlaceSavings 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

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Houston, TX5.8%16.3%
Harris County5.62%15.99%
Hilshire Village2.92%10.66%
West University Place2.89%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 DeductibleHigh Deductible
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 CompanyAllstateFarmers Insurance
Monthly Premium 6895234
Year Built 198620032010
Home Details 2 Beds, 1 Baths4 Beds, 2 Baths5 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
1970 240,000 Membrane Roof 3,360 5 $2500-$5000 Deductible 110 1 Stone Siding yes
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

Latest Home Insurance Reviews

In short, homeowners insurance helps protect you, your home and your belongings from a variety of unexpected events.
State Farm
I would completely recommend my insurance company to anyone looking for a new or increased coverage policy. The rates are good, and the people are great!
I would recommend Travelers to others. They have decent rates, probably offer what you need at least in terms of basic coverage, and their service is excellent.When I had a claim, it was handled efficiently and professionally.
The other small additions can be annoying, as they really don't offer much in the way of value to cost ratio. Prices can be a bit high as well, since they bundle package these features sometimes without telling you.
They offer all the standard stuff. The nice thing was that they let me insure the replacement value of the house lower. IE the land is very valuable, so the Zillow estimate or whatever most companies use is skewed.
It is an extremely reliable company with a lot of different coverage options and I like working with them because it's easy.
They are also good compared to our last insurance company that we had that they tried overcharging us for.
Liberty Mutual
The deductible is just $250 where as others were all above $500. Thats another big reason why i choose this insurance. Premiums are the same.
State Farm
We had an experience with a small water leak at our home. Our insurance company quickly sent men out to remedy the problem. They took care of the clean up quickly. I couldn't ask for a better response
State Farm
So 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
They don't like to pay for anything. they like to drag things. cases are hard to get resolved and paid.
They have a great website and it is easy to navigate and search when-when you are thinking about new services
Rvos Insurance
One 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 Farm
Price 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.
It'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 Farm
I 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 Farm
I 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 Mutual
Liberty 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.
When 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
There 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.
The 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 Farm
Overall confusing things that are told by customer service or inconsistent rules applied at the time
State Farm
Their 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 Farm
The 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 Farm
I love this company. My agent knows me by name, and i can call them whenever i need something or if i have any questions.
in 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.
it makes so easly and good offerd and compared with the insurance provider.at being those offerd to be get be there allowed at once.
I 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 Insurance
My 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.

How To Make Your Houston, TX Home Insurance Cheaper

How Much Does Houston, TX Home Insurance Cost?