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.

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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

Esurance
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!
Travelers
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.
Travelers
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.
Travelers
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.
Allstate
It is an extremely reliable company with a lot of different coverage options and I like working with them because it's easy.
Geico
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
Allstate
They don't like to pay for anything. they like to drag things. cases are hard to get resolved and paid.
Progressive
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.
Allstate
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.
Nationwide
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
Metlife
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.
Allstate
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.
Allstate
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.
Progressive
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.
Progressive
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.