Houston, TX Home Insurance - Analysis On Quotes, Rates & Agents
Houston, TX Insurance Rates:
The average cost of home insurance in Houston, TX is $1697. vHome analyzed multiple home insurance quotes in Houston, TX to narrow down the list of the cheapest insurance companies in Houston, TX. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.
Houston, TX homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Houston, TX
- Houston, TX Homeowners Insurance for Different Coverages
- Visual Guide for Houston, TX Home Insurance Buyers on Insurance Companies and Rates
- Top Home Insurance Agents Near Houston, TX
- Houston, TX Homeowners Insurance Rate Based on Claims Filed
- Houston, TX Homeowners Insurance by Zip Code
- Houston, TX Home Insurance Premium Based on the Number of Bedrooms
- Houston, TX Home Insurance Premiums for Different Deductibles
- Houston, TX Homeowners Insurance Premium Based on the Age of the Home
- Houston, TX Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Houston, TX Homeowners Insurance
- Houston, TX Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Houston, TX
Average Home Insurance Premium in Houston, TX
| National Average Premium | State Average Premium | Houston Average Premium |
|---|---|---|
| $1,438 | $1,709 | $1,697 |
Top Home Insurance Companies in Houston, TX | Back to Top
vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| Allstate | $1,670 | $2,137 | $2,352 | $3,452 |
| Liberty Mutual | $4,823 | $5,907 | $8,329 | $11,102 |
| USAA | $1,457 | $1,676 | $1,816 | $2,402 |
| Travelers | $1,829 | $2,450 | $3,378 | $5,628 |
| State Farm | $2,060 | $3,234 | $3,410 | $4,730 |
Houston, TX Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 1,283.99 |
| $150,000 To $174,999 | 1,717.17 |
| $175,000 To $199,999 | 1,930.19 |
| $200,000 To $249,999 | 2,179.72 |
| $250,000 To $299,999 | 3,596.5 |
| $300,000 To $399,999 | 4,502.78 |
| $400,000 To $499,999 | 5,753.74 |
| $500,000 To $749,999 | 7,364.79 |
| $750,000 To $999,999 | 8,515.53 |
| $1000,000 To $1499,999 | 9,378.59 |
| $1500,000 To $2000,000 | 10,069.04 |
Visual Guide for Houston, TX Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Houston, TX | Back to Top
| Home Insurance Company Near Houston, TX | Homeowners Insurance Agency Near Houston, TX | Address |
|---|---|---|
| Farmers | Jay Bhavsar | 4151 Southwest Fwy Ste 520, Houston, TX, 77027 |
| State Farm | John Cowart | 2757 Rayford Rd Ste C, Spring, TX, 77386-3999 |
List of Houston, TX Home Insurance Agents by Companies
Houston, TX Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Houston, TX with no claims filed get a discount of $203.64, whereas homeowners with one claim have to file an additional home insurance rate of $119 while homeowners with 2 claims have to pay an additional $221 for their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -204 | 1,493 |
| One Claim | +119 | 1,816 |
| Two Claim | +221 | 1,918 |
Houston, TX Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 77099 | 98,700 | 1,721 |
| 77067 | 97,000 | 1,612 |
| 77086 | 96,300 | 1,595 |
| 77072 | 96,100 | 1,595 |
| 77088 | 93,900 | 1,595 |
| 77015 | 93,500 | 1,646 |
| 77037 | 93,000 | 1,578 |
| 77060 | 92,200 | 1,595 |
| 77091 | 91,800 | 1,717 |
| 77038 | 90,300 | 1,717 |
| 77039 | 88,000 | 1,721 |
| 77045 | 87,900 | 1,612 |
| 77017 | 86,900 | 1,604 |
| 77013 | 86,800 | 1,719 |
| 77053 | 86,300 | 1,721 |
| 77076 | 85,800 | 1,604 |
| 77087 | 85,700 | 1,629 |
| 77022 | 83,900 | 1,721 |
| 77048 | 83,300 | 1,646 |
| 77021 | 82,400 | 1,646 |
| 77012 | 80,600 | 1,719 |
| 77011 | 78,300 | 1,595 |
| 77093 | 76,700 | 1,717 |
| 77050 | 76,400 | 1,595 |
| 77032 | 73,100 | 1,578 |
| 77005 | 723,300 | 1,629 |
| 77020 | 71,900 | 1,595 |
| 77078 | 67,700 | 1,721 |
| 77016 | 65,200 | 1,717 |
| 77033 | 65,000 | 1,721 |
| 77024 | 632,700 | 1,629 |
| 77028 | 61,000 | 1,721 |
| 77026 | 59,900 | 1,719 |
| 77051 | 54,400 | 1,721 |
| 77056 | 543,600 | 1,612 |
| 77027 | 455,900 | 1,612 |
| 77098 | 392,200 | 1,719 |
| 77019 | 379,900 | 1,612 |
| 77025 | 324,000 | 1,595 |
| 77046 | 320,900 | 1,717 |
| 77079 | 319,900 | 1,578 |
| 77006 | 306,000 | 1,719 |
| 77007 | 296,400 | 1,719 |
| 77094 | 284,600 | 1,646 |
| 77008 | 278,900 | 1,719 |
| 77096 | 256,300 | 1,578 |
| 77059 | 242,500 | 1,595 |
| 77081 | 221,900 | 1,612 |
| 77057 | 221,200 | 1,721 |
| 77002 | 216,400 | 1,629 |
| 77055 | 215,000 | 1,578 |
| 77077 | 209,100 | 1,604 |
| 77042 | 206,600 | 1,646 |
| 77018 | 205,600 | 1,595 |
| 77069 | 202,200 | 1,629 |
| 77004 | 200,800 | 1,578 |
| 77063 | 188,500 | 1,604 |
| 77095 | 168,300 | 1,578 |
| 77068 | 161,300 | 1,578 |
| 77058 | 158,500 | 1,629 |
| 77062 | 158,400 | 1,629 |
| 77070 | 157,900 | 1,719 |
| 77009 | 155,600 | 1,717 |
| 77035 | 151,100 | 1,595 |
| 77043 | 143,100 | 1,646 |
| 77065 | 143,000 | 1,604 |
| 77041 | 137,600 | 1,578 |
| 77090 | 137,000 | 1,578 |
| 77064 | 134,800 | 1,719 |
| 77044 | 131,000 | 1,629 |
| 77082 | 129,800 | 1,629 |
| 77092 | 129,400 | 1,629 |
| 77080 | 128,200 | 1,721 |
| 77084 | 127,400 | 1,578 |
| 77089 | 123,300 | 1,719 |
| 77014 | 122,600 | 1,629 |
| 77071 | 121,000 | 1,604 |
| 77083 | 119,800 | 1,604 |
| 77066 | 118,700 | 1,604 |
| 77031 | 118,300 | 1,629 |
| 77075 | 116,600 | 1,604 |
| 77003 | 116,100 | 1,604 |
| 77054 | 114,800 | 1,721 |
| 77061 | 113,800 | 1,578 |
| 77073 | 113,200 | 1,604 |
| 77036 | 112,500 | 1,578 |
| 77085 | 112,100 | 1,719 |
| 77047 | 104,800 | 1,717 |
| 77034 | 103,800 | 1,717 |
| 77023 | 103,000 | 1,717 |
| 77074 | 102,900 | 1,719 |
| 77049 | 100,400 | 1,717 |
Factors Affecting Home Insurance Premiums in Houston, TX
The average cost of homeowners insurance in Houston, TX is $1697. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.
Houston, TX Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 1,459 |
| 3 Bedroom | 2,293 |
| 4 Bedroom | 3,335 |
| 5 Bedroom | 4,690 |
Houston, TX Home Insurance Premiums for Different Deductibles | Back to Top
Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 1,677 |
| $1000 Deductible | 1,517 |
| $1500 Deductible | 1,428 |
| $2000 Deductible | 1,296 |
| $2500 Deductible | 1,218 |
Houston, TX Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Houston, TX pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 1,239 |
| Year 30 Old | 1,722 |
| Year 40 Old | 1,741 |
| Year 50 Old | 1,761 |
| Above Year 50 | 1,778 |
Houston, TX Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 170 | 1,527 |
| Masonry | 85 | 1,612 |
| Brick | 85 | 1,612 |
| Superior | 153 | 1,544 |
| Hail Resistant Roof | 51 | 1,646 |
Top Saving Tips on Houston, TX Homeowners Insurance | Back to Top
Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Houston, TX homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.
The tables below contain the complete list of discounts that Houston, TX homeowners can take advantage of to increase their savings.
Houston, TX Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 322 | 1,375 |
| Retiree Discount (Senior Citizen Discount) | 238 | 1,935 |
| Newly Constructed Home | 458 | 1,239 |
Houston, TX Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 238 | 1,459 |
| Fire Extinguishers | 153 | 1,544 |
| Smoke Detectors | 221 | 1,476 |
| Sprinkler System | 170 | 1,527 |
| Fire Alarm | 85 | 1,612 |
| Burglar Alarm | 153 | 1,544 |
| Lightning Protection | 51 | 1,646 |
Latest Home Insurance Reviews
EsuranceIn short, homeowners insurance helps protect you, your home and your belongings from a variety of unexpected events.
State FarmI 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!
TravelersI 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.
TravelersThe 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.
TravelersThey 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.
AllstateIt is an extremely reliable company with a lot of different coverage options and I like working with them because it's easy.
GeicoThey are also good compared to our last insurance company that we had that they tried overcharging us for.
Liberty MutualThe 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 FarmWe 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 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.