San Antonio Insurance Rates:

San Antonio ,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 San Antonio, 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 San Antonio, TX is $2044. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in San Antonio, TX: Customer-Reviewed Options


San Antonio, TX Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in San Antonio, TX. VHome Insurance will help you navigate the world of homeowners insurance coverages in San Antonio, TX.

Coverage Level Average Annual Premium
$100,000 $818
$200,000 $1,390
$300,000 $1,717
$400,000 $2,616
$500,000 $3,291


San Antonio, TX Homeowners Insurance Rates by ZIP Code

Home insurance costs in San Antonio 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
078222 $2,698
78218 $2,682
78228 $2,659
78223 $2,654
78221 $2,644
78227 $2,646
78224 $2,647
78210 $2,659
78220 $2,619
78225 $2,616
78242 $2,623
78264 $2,648
78204 $2,631
78214 $2,622
78203 $2,630
78257 $3,093
78211 $2,609
78226 $2,619
78237 $2,603
78208 $2,646
78202 $2,656
78207 $2,595
78256 $3,107
78258 $2,997
78255 $3,020
78248 $3,010
78260 $2,989
78261 $2,959
78215 $2,729
78259 $2,900
78230 $2,881
78253 $2,864
78205 $3,255
78263 $2,794
78249 $2,802
78254 $2,815
78216 $2,814
78251 $2,761
78240 $2,762
78229 $2,703
78250 $2,735
78252 $2,732
78217 $2,717
78245 $2,748
78244 $2,702


San Antonio, TX Homeowners Insurance Deductibles

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 San Antonio, TX, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $2,096
$1000 Deductible $1,874
$1500 Deductible $1,768
$2500 Deductible $1,594
$5000 Deductible $1,349



Top Home Insurance Agents Near San Antonio, TX

Home Insurance Company Near San Antonio, TX Homeowners Insurance Agency Near San Antonio, TX Address
NA Trevino Insurance Services 801 N. Main St, Boerne, TX, 78006
Travelers Dziga Insurance Agency 7500 Eckhert, Ste. 400 San Antonio, San Antonio, TX, 78240
Travelers Eanes & Polk Inc 406 EAST MOUNTAIN STREET, SEGUIN, TX, 78155
State Farm Jerry Mora 4320 S Gevers St Ste 100, San Antonio, TX, 78223-2218
Travelers Village Insurance Agency Inc 13438 BANDERA RD STE 100, HELOTES, TX, 78023

San Antonio, TX Home Insurance Agents for Top Companies


San Antonio, 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
Bexar County, Texas $129 $172 $258
Balcones Heights city, Texas $127 $169 $254
Olmos Park city, Texas $165 $220 $330


San Antonio, 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
San Antonio, TX6.7%20.9%
Bexar County6.48%20.11%
Balcones Heights12.24%25.86%
Olmos Park2.75%11.0%

San Antonio Renters Insurance as a Percentage of Rent

San Antonio Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,944 2.0% $352
$200 to $299 5,960 3.0% $802
$300 to $499 13,359 6.0% $1252
$500 to $749 60,890 31.0% $1927
$750 to $999 58,286 30.0% $2677
$1,000 to $1,499 41,689 21.0% $3802
$1,500 or more 10,115 5.0% $5452

Cost Of Homeowners Insurance By Street Near San Antonio, TX

Streets in San Antonio Area Homeowners Insurance Cost
Boxer Palm, Baldwin Ridge, Baldwin Ave, Poppy Seed Run, Crested Land, Dotted Palm, S Chupaderas St, Cheviot Hts, Oxford Dr, Agnes Dr$1,014
Patricia, Bending Crst, Cedar Falls St, Lemonmint Pkwy, Galaway Bay, Flower Bluff, Snowshoe, Bluff Xing, Montezuma, Balboa Island$1,039
E Perimeter, Electra Dr, Grenadier Way, Rodriguez Ave, Hickory, Palm Park Blvd, N Smith St, Queens Forest St, Cougar Chase, Southbridge Dr$1,042
Checkrein St, E Baylor St, Ridge Smoke, Fargo Ave, Roseangel Ln, Port Bluff N, Dove Circle St, Lacey Oak, Bow Heights Dr, Roan Leap$1,035
Tascate, Point Bluff Dr, Dixon Wood, Driftwood St, Monarch Pass, Longmont St, Tiger Horse Dr, Stoney Xing, Fairgreen St, Walkers Way$1,028
Antler Station, Oak Harbor Dr, Guerra Aly, Ox Eye Trl, Zapata St, Amapola St, Adams St, Scenic Knoll, Timber Run, Gold Canyon Rd$1,040
Doe Park, Sally Agee, Windbluff Dr, Old Stillwater, Don Mills St, Teak Ln, Bertetti Dr, Cooper St, Spring Drops St, Oakhorne St$1,046
Ter Park, Hilltop Crst, Rim Oak, Timber Cross St, Oban Dr, Ray Ave, Wingate Ave, Greentree St, Encino Briar, el Pueblo Peak$1,010
Adele St, Doolittle St, Gablewood, Bobolink Cove, Timber Climb, Cornerway Blvd, Rocky Oak St, Pso Espinosa, Crater Dr, Huntington St$994
Skyblue Ln, Vis del Mar, Roan Way, Avant Ave, Cliffbrier Dr, Tee St, Susan Crst, Prescott Dr, Chimney Springs Dr, Purple Sage Rd$1,058

San Antonio, TX Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
San Antonio$154 to $156
Bexar County$154
Balcones Heights$152
Olmos Park$198

San Antonio, TX Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly San Antonio Homeowner Insurance Premium Example $1,200$700
Out of Pocket Expense During Claim$800$2,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $6,800$6,300
Net Savings to San Antonio Home Owner from High Deductible Plan $500


San Antonio, TX Home Insurance Costs With Home Replacement Value Scenarios

Scenario San Antonio, TX Home Replacement Value MORE than Home Value San Antonio, TX Home Replacement Value LESS than Home Value
Replacement Value $189,000 $119,500
Insurance Premium based on Replacement Value $1,625 $1,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $26,000 Risk Exposure from Under Insuring Coverage is $43,500
Premium Impact Insurance cheaper by $375/year Insurance costlier by $225/year


Example San Antonio Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceUSAA groupGEICO Insurance
Monthly Premium 13612489
Year Built 198320111961
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$150000-$175000$250000-$300000
Deductible $500- $1000 Deductible$500 Deductible> $10,000 Deductible