San Antonio, TX Home Insurance - Analysis On Quotes, Rates & Agents
San Antonio Insurance Rates:
San Antonio, TX homeowners insurance is about $873 to $1,181, about $72-$98/month. Our thorough analysis reveals consumers can save upto $410 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
State AutoExcellent customer service. I called many companies and their reps were by far the nicest and easiest to talk to. They explained everything in great detail and answered all my questions.
AllstateAllstate has the best customer service around. They really do care about their customers and they d everything they can to help.
Alcott InsuranceWhat i like about alcott is the wide network of medical doctors and dentists and other medical providers that take their coverage
Insurance Connection UsaInsurance connection usa never really gives me hard time. they got agents to sit and explain well to oldies for this slow understanding. wow! am glad i joined
GeicoI just wish the price I initially paid for the coverage I have did not go up every few months for no reason.
State FarmI originally switched from Allstate to save money. I did, on my car insurance, but my home went up. I feel as if they have tacked on coverages that I do not need for my home.
ProgressiveThe site is easy to use and is made well. I can browse and use the site freely with no problems. It is a good site.
Farmer's InsuranceI had been with State Farm for about 30 years, with a very clean record. They kept increasing my premiums, sometimes significant increases. I had read online that State Farm hits its most loyal customers the hardest because they don't think those customers will ever leave. I finally decided to shop around, and Farmer's offered the equivalent insurance at significantly lower prices.
State FarmI like that they are not constantly trying to get you to sign up for more coverage than you need. I get my renewal paperwork and that's about it.
State FarmThe website is very easy to navigate and I am able to look at all my coverages, premiums and am able to print any paperwork I need.
State FarmIt was covered to same to other company.
ProgressiveI like the company's auto policy for sure. They have superior prices and many options to choose from when it comes to auto insurance.
State FarmThey were very friendly and always acted like they knew me. They were fast at handling my claim and never tried to disclaim the actual claim.
AllstateThere is not enough of them around my city so sometimes I have to drive out far if I need to go to their office
Texan InsuranceI didn't dislike the company since they give good service to me.Even in the case of claims or other services they are good and quite listen staffs.
ProgressiveI would recommend Progressive if you are already using them. Because they are large and well-known I would have to assume they have done a good job for many people.
Agi Insurance GroupI would recommend because they have a top notch support team and their prices are great. They offer multiple policy discounts which are applied to all your policies, not just one. They are knowledgeable and their main headquarters is local (within 60 miles).
TravelersThey have great prices. There service is top notch every time I call them.
ProgressiveI think the price of the coverage is a little higher than what I should pay. I have never filed a claim so I can't rate any customer service aspects of the company.
ProgressiveThey offer the best rates and are located in the great state of Texas.
GeicoThey are very easy to work with, never push to get additional services added to the policy, and when a claim needed to be made, they were prompt, sympathetic, and engaged
GeicoOnly that my rates keep going up. Maybe do to inflation.
GeicoI would recommend them, I do not have any reason not to recommend them, as I have had no negative experiences.
State FarmI would recommend State Farm because they are friendly and have great customer service. They have a great price and coverage for home insurance.
Blue Cross Blue ShieldThe company office locations are many and nearby, which helps me to access conveniently when required
Liberty MutualI would recommend Liberty Mutual to a friend because they always get their billing correct and the rates are not comparable to other places as this is the best.
ProgressiveI would recommend it if you need something quick and partly long term. They also have other types of insurance for other things, so bundling is nice. I would rate at a 5
Liberty MutualI would reccomend the company because they will reimburse for fire damage. It is not too expensive for the insurance either.
Liberty MutualI would totally recommend Liberty Mutual to other people based on the customer experience, offerings and web experience alone. I have always been satisfied with them and have no issues.
American National InsuranceI Am always able to get in contact with my agent and there is no going through three different people to get to him.
Farmer's InsuranceFrom what i remember customer service was decent enough, so i would give them a 4
State FarmI have had the same insurance company and the same agent for over 30 years. I have never once thought about switching. I cannot give an opinion on other companies.I'd rate my satisfaction at a 5.
San Antonio, TX Homeowners Insurance By Home Value
| San Antonio, TX Home Value | Total Homes | % of Total | Average San Antonio, TX Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 25,079 | 9.0% | $225 |
| $50,000 to $59,999 | 12,693 | 4.0% | $472 |
| $60,000 to $69,999 | 18,119 | 6.0% | $585 |
| $70,000 to $79,999 | 19,861 | 7.0% | $677 |
| $80,000 to $89,999 | 21,223 | 8.0% | $770 |
| $90,000 to $99,999 | 18,714 | 7.0% | $852 |
| $100,000 to $124,999 | 35,574 | 13.0% | $996 |
| $125,000 to $149,999 | 28,510 | 10.0% | $1242 |
| $150,000 to $174,999 | 26,031 | 10.0% | $1468 |
| $175,000 to $199,999 | 16,672 | 6.0% | $1694 |
| $200,000 to $249,999 | 17,723 | 6.0% | $2043 |
| $250,000 to $299,999 | 10,212 | 3.0% | $2495 |
| $300,000 to $399,999 | 9,152 | 3.0% | $3173 |
Top Home Insurance Agents Near San Antonio, TX
| Home Insurance Company Near San Antonio, TX | Homeowners Insurance Agency Near San Antonio, TX | Address |
|---|---|---|
| Travelers | Village Insurance Agency Inc | 13438 BANDERA RD STE 100, HELOTES, TX, 78023 |
| 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 |
San Antonio, TX Home Insurance Agents for Top Companies
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| San Antonio | $154 to $156 |
| Bexar County | $154 |
| Balcones Heights | $152 |
| Olmos Park | $198 |
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
| 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 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 |
San Antonio, TX Homeowners Insurance by Zip Code
| Zip Code | Median Home Value | Median Homeowners Insurance |
|---|---|---|
| 78222 | $95,100 | $1,030 |
| 78218 | $88,300 | $1,020 |
| 78228 | $86,600 | $1,010 |
| 78223 | $85,700 | $1,020 |
| 78221 | $79,700 | $1,010 |
| 78227 | $78,400 | $1,010 |
| 78224 | $77,100 | $1,010 |
| 78210 | $73,900 | $1,010 |
| 78220 | $70,900 | $1,010 |
| 78225 | $70,600 | $1,010 |
| 78242 | $69,400 | $1,000 |
| 78264 | $68,700 | $1,000 |
| 78204 | $67,900 | $1,010 |
| 78214 | $67,300 | $1,010 |
| 78203 | $65,200 | $1,010 |
| 78257 | $649,000 | $1,390 |
| 78211 | $64,600 | $1,000 |
| 78226 | $64,400 | $1,000 |
| 78237 | $61,300 | $1,010 |
| 78208 | $59,700 | $1,000 |
| 78202 | $57,600 | $1,000 |
| 78207 | $57,300 | $1,000 |
| 78256 | $341,300 | $1,170 |
| 78258 | $280,000 | $1,130 |
| 78255 | $275,300 | $1,140 |
| 78248 | $268,100 | $1,130 |
| 78260 | $267,000 | $1,140 |
| 78261 | $244,500 | $1,100 |
| 78215 | $223,600 | $1,100 |
| 78259 | $207,200 | $1,090 |
| 78230 | $187,200 | $1,070 |
| 78253 | $185,300 | $1,090 |
| 78205 | $182,500 | $1,080 |
| 78263 | $165,100 | $1,060 |
| 78249 | $159,700 | $1,070 |
| 78254 | $155,200 | $1,070 |
| 78216 | $151,100 | $1,060 |
| 78251 | $142,300 | $1,050 |
| 78240 | $140,500 | $1,060 |
| 78229 | $132,100 | $1,050 |
| 78250 | $123,100 | $1,040 |
| 78252 | $119,100 | $1,040 |
| 78217 | $115,000 | $1,030 |
| 78245 | $114,700 | $1,040 |
| 78244 | $110,800 | $1,030 |
San Antonio, TX Home Insurance Costs With Deductible Scenario
| 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 | |
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 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 |
Sample Home Insurance Rates for San Antonio, TX from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2012 | 260,000 | Wood Shake Roof | 3,230 | 4 | $500- $1000 Deductible | 140 | 1 | Fiber-Cement Siding | No |
| 1965 | 145,000 | Membrane Roof | 1,600 | 3 | $500 Deductible | 1280 | 9 | Vinyl siding | yes |
| 1984 | 145,000 | Shingles Roof | 2,290 | 4 | $2500-$5000 Deductible | 60 | 1 | Stone Siding | yes |
| 1996 | 185,000 | Asphalt Shingles Roof | 2,170 | 4 | $500- $1000 Deductible | 460 | 5 | Stone Siding | yes |
| 1963 | 210,000 | Slate Shingles Roof | 2,970 | 4 | > $10,000 Deductible | 440 | 5 | Vinyl siding | No |
| 1973 | 255,000 | Asphalt Shingles Roof | 3,040 | 4 | $500 Deductible | 2160 | 8 | Wood siding | No |
| 2003 | 85,000 | Shingles Roof | 1,350 | 3 | $2500-$5000 Deductible | 40 | 1 | Vinyl siding | yes |
| 1993 | 100,000 | Composition Roof | 1,580 | 5 | $1000-$2500 Deductible | 280 | 6 | Vinyl siding | yes |
| 1970 | 190,000 | Wood Shake Roof | 2,490 | 4 | $500- $1000 Deductible | 890 | 6 | Vinyl siding | No |
| 2000 | 160,000 | Wood Shake Roof | 1,850 | 5 | $5000 to $10,000 Deductible | 340 | 4 | Vinyl siding | yes |
| 1995 | 170,000 | Membrane Roof | 2,810 | 5 | $1000-$2500 Deductible | 780 | 7 | Wood siding | No |
| 2013 | 335,000 | Wood Shake Roof | 4,960 | 5 | $2500-$5000 Deductible | 1520 | 12 | Wood siding | yes |
| 1975 | 135,000 | Metal Roof | 1,680 | 5 | $1000-$2500 Deductible | 190 | 2 | Brick siding | No |
| 1973 | 160,000 | Tile Roof | 2,080 | 3 | $2500-$5000 Deductible | 610 | 7 | Wood siding | No |
| 2013 | 135,000 | Composition Roof | 1,500 | 2 | $500 Deductible | 1340 | 12 | Wood siding | yes |
| 1971 | 170,000 | Metal Roof | 2,090 | 3 | $500- $1000 Deductible | 820 | 8 | Wood siding | yes |
| 2003 | 160,000 | Metal Roof | 2,130 | 5 | $5000 to $10,000 Deductible | 430 | 6 | Brick siding | No |
| 1995 | 210,000 | Composition Roof | 3,370 | 5 | > $10,000 Deductible | 820 | 8 | Vinyl siding | yes |
| 1975 | 130,000 | Asphalt Shingles Roof | 1,490 | 3 | $500- $1000 Deductible | 650 | 10 | Brick siding | yes |
| 2001 | 160,000 | Membrane Roof | 2,090 | 3 | $500- $1000 Deductible | 340 | 3 | Wood siding | No |
| 1967 | 160,000 | Membrane Roof | 1,860 | 3 | $5000 to $10,000 Deductible | 330 | 4 | Fiber-Cement Siding | yes |
| 1996 | 150,000 | Metal Roof | 2,330 | 3 | $1000-$2500 Deductible | 580 | 7 | Brick siding | yes |
| 1967 | 140,000 | Slate Shingles Roof | 2,340 | 5 | $1000-$2500 Deductible | 770 | 9 | Stucco siding | yes |
| 1982 | 140,000 | Tile Roof | 2,120 | 4 | $500 Deductible | 210 | 2 | Brick siding | yes |
| 1991 | 130,000 | Wood Shake Roof | 1,790 | 5 | $500- $1000 Deductible | 1150 | 10 | Vinyl siding | No |
| 1972 | 165,000 | Shingles Roof | 1,850 | 3 | $1000-$2500 Deductible | 560 | 4 | Brick siding | yes |
| 1974 | 135,000 | Slate Shingles Roof | 1,780 | 3 | $2500-$5000 Deductible | 370 | 6 | Stone Siding | yes |
| 1995 | 255,000 | Wood Shake Roof | 3,890 | 5 | $500 Deductible | 610 | 4 | Wood siding | No |
| 1995 | 105,000 | Composition Roof | 1,210 | 2 | $500- $1000 Deductible | 490 | 8 | Vinyl siding | yes |