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.
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 |
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 |
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 |
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 |
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 |
Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
---|---|---|
San Antonio, TX | 6.7% | 20.9% |
Bexar County | 6.48% | 20.11% |
Balcones Heights | 12.24% | 25.86% |
Olmos Park | 2.75% | 11.0% |
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 |
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 |
Place | Savings For Senior Occupied Homes |
---|---|
San Antonio | $154 to $156 |
Bexar County | $154 |
Balcones Heights | $152 |
Olmos Park | $198 |
Low Deductible | High Deductible | |
---|---|---|
Deductible | $800 | $2,800 |
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 |
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 |
Insurance Company | Nationwide Insurance | USAA group | GEICO Insurance |
Monthly Premium | 136 | 124 | 89 |
Year Built | 1983 | 2011 | 1961 |
Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 2 Baths |
Coverage Amount | $175000-$200000 | $150000-$175000 | $250000-$300000 |
Deductible | $500- $1000 Deductible | $500 Deductible | > $10,000 Deductible |