Houston ,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 Houston, 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 Houston, TX is $2079. Enter your zipcode below and click “GO” to get multiple free quotes.
With so many options available, it can be difficult to know where to start. VHome Insurance simplifies the process by presenting a guide to the best insurance companies in Houston, TX.Our analysis of customer reviews, financial stability, and coverage options has resulted in a list of top insurance companies for your consideration.
| Home Insurance Company | Average Annual Premium Houston, TX |
|---|---|
| Texas Farm Bureau Insurance | $986 |
| Progressive | $1,256 |
| Travelers | $1,509 |
| Nationwide | $2,076 |
| State Farm | $2,350 |
| United | $3,150 |
It is important to understand the different coverage options available in Houston, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in Houston, TX.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $832 |
| $200,000 | $1,414 |
| $300,000 | $1,746 |
| $400,000 | $2,661 |
| $500,000 | $3,347 |
Home insurance costs in Houston 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 |
|---|---|
| 77099 | $2,687 |
| 77067 | $2,689 |
| 77086 | $2,695 |
| 77072 | $2,679 |
| 77088 | $2,673 |
| 77015 | $2,667 |
| 77037 | $2,653 |
| 77060 | $2,646 |
| 77091 | $2,697 |
| 77038 | $2,688 |
| 77039 | $2,647 |
| 77045 | $2,642 |
| 77017 | $2,652 |
| 77013 | $2,648 |
| 77053 | $2,652 |
| 77076 | $2,649 |
| 77087 | $2,644 |
| 77022 | $2,694 |
| 77048 | $2,653 |
| 77021 | $2,673 |
| 77012 | $2,622 |
| 77011 | $2,685 |
| 77093 | $2,622 |
| 77050 | $2,613 |
| 77032 | $2,622 |
| 77005 | $4,078 |
| 77020 | $2,627 |
| 77078 | $2,637 |
| 77016 | $2,613 |
| 77033 | $2,596 |
| 77024 | $3,975 |
| 77028 | $2,607 |
| 77026 | $2,601 |
| 77051 | $2,650 |
| 77056 | $3,484 |
| 77027 | $3,564 |
| 77098 | $3,395 |
| 77019 | $3,404 |
| 77025 | $3,130 |
| 77046 | $2,729 |
| 77079 | $3,260 |
| 77006 | $3,215 |
| 77007 | $3,104 |
| 77094 | $3,037 |
| 77008 | $3,146 |
| 77096 | $2,996 |
| 77059 | $2,937 |
| 77081 | $2,956 |
| 77057 | $2,925 |
| 77002 | $2,820 |
| 77055 | $3,173 |
| 77077 | $2,927 |
| 77042 | $2,903 |
| 77018 | $3,102 |
| 77069 | $2,885 |
| 77004 | $2,955 |
| 77063 | $2,824 |
| 77095 | $2,816 |
| 77068 | $2,815 |
| 77058 | $2,774 |
| 77062 | $2,814 |
| 77070 | $2,787 |
| 77009 | $2,936 |
| 77035 | $2,816 |
| 77043 | $2,913 |
| 77065 | $2,775 |
| 77041 | $2,802 |
| 77090 | $2,729 |
| 77064 | $2,753 |
| 77044 | $2,802 |
| 77082 | $2,745 |
| 77092 | $2,770 |
| 77080 | $2,856 |
| 77084 | $2,748 |
| 77089 | $2,747 |
| 77014 | $2,720 |
| 77071 | $2,734 |
| 77083 | $2,731 |
| 77066 | $2,734 |
| 77031 | $2,741 |
| 77075 | $2,737 |
| 77003 | $2,919 |
| 77054 | $2,702 |
| 77061 | $2,722 |
| 77073 | $2,714 |
| 77036 | $2,731 |
| 77085 | $2,687 |
| 77047 | $2,725 |
| 77034 | $2,683 |
| 77023 | $2,732 |
| 77074 | $2,711 |
| 77049 | $2,723 |
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 Houston, TX, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,132 |
| $1000 Deductible | $1,906 |
| $1500 Deductible | $1,798 |
| $2500 Deductible | $1,622 |
| $5000 Deductible | $1,372 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Houston | $155 to $157 |
| Harris County | $155 |
| Hilshire Village | $192 |
| West University Place | $208 |
| 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 | |
| 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 |
| 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 |