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.

Compare Quotes from Top Providers and Save now!

How Much is Home Insurance in San Antonio, Texas

The average cost of home insurance in San Antonio, TX, is $1631. Homeowner insurance offers protection to help cover damage or loss by theft, vandalism, and other perils, including fire and storm damage. It also may help protect your liability or legal responsibility for any injuries and property damage caused by you or members of your family to other people. This can also contain the damage caused by family pets. The cost of homeowners insurance in San Antonio, TX, depends on many factors, including the value of the home and its contents, the materials used to construct it, the location, and the age of the house. VHome, through its in-depth research, has explored these factors in detail.

Cost of insurance based on the coverage level in San Antonio, TX

Choosing the right homeowners coverage is one of the most important decisions. For example, if you own a home valued at $300,000 and possess personal property worth $100,000 and $300,000 in liability coverage, the policy should be cover all your required needs. Homeowners who have opted for $100K coverage pay $1391 towards their homeowners insurance in San Antonio, TX. Generally, homeowners choose to pay coverage of $200K to $300K, which comes to $2513 and $4981, respectively, in San Antonio, TX.

How_Much_is_Home_Insurance_in_San_Antonio_Texas

Cost of insurance based on the deductibles in San Antonio, TX

Your home insurance deductible is the portion of a claim you are responsible for paying. It plays a key role in understanding how claims are paid. The more you choose to pay out of pocket, the lower your home insurance bill. Your deductible will vary based on your finances and risk tolerance. For example, homeowners who have opted for a low deductible of $500 pay $1612 on homeowners insurance in San Antonio, TX. In contrast, homeowners who opted for a high deductible of $2500 pay $1172 on home insurance in San Antonio, TX.

Cost of insurance based on the age of the home in San Antonio, TX

Home age matters when it comes to home insurance in San Antonio because older homes may be more exposed to unforeseen circumstances such as plumbing breakdowns, fire damages, and more. Many insurance providers often limit the amount of coverage they extend on older homes or exclude certain types of incidents from a standard homeowners policy.

For example, homes older than 30 and 40 years pay $1656 and $1674, respectively, on homeowners insurance in San Antonio, TX. On the other hand, newly constructed homes are less prone to damage, and home insurance companies offer significant discounts to newly built homes. For instance, newly built homes in San Antonio, TX, can get lower insurance of $1159.

The Best San Antonio, TX, Home Insurance Companies

The average cost of home insurance in San Antonio, TX, is $1,631. This is comparatively higher than the national average premium of $1,438. San Antonio homeowners choose home insurance companies based on how reasonably priced their quotes. However, homeowners should also consider other factors such as claims processing speed, customer service, and availability of discounts before choosing the best home insurance company. Below are the top 5 home insurance companies in Texas according to market share.

the_best_san_antonio_tx_home_insurance_companies

State Farm

State Farm is the most prominent company in Texas, occupying the majority of the market share with 19.55%. The renowned home insurance company has written direct premiums worth $1,847,041. It has earned direct premiums worth $1,842,124. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current San Antonio policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.

Allstate

Allstate comes second to State Farm in terms of market share, occupying 13.08% of the home insurance market. Allstate has written direct premiums of $1,236,065 and earned direct premiums of $1,178,535. Allstate has the superior financial ability in granting potential claims of current San Antonio policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power’s customer feedback survey.

Farmers

Farmers is another major player in the insurance segment holding a market share of 10.39% in Texas. The company has direct premiums written for a total value of $981,914. It has earned direct premiums worth $964,870. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.

USAA

Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 9.70%. It has direct premiums written worth $916,464, and direct premiums earned worth $881,961. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current San Antonio policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 7.37% in Texas. The home insurance company has direct premiums written worth $696,450 and direct premiums earned worth $706,863. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D Power.

Phoenix, AZ, Best Home Insurance Companies

Homeowners generally choose a home insurance company based on how reasonably priced the home insurance quotes are. However, there are several other factors to be taken into consideration. The best home insurance companies are determined by considering their financial strength, customer service, and the speed at which claims are processed.

State Farm

State Farm has a financial strength rating of A++ (Superior) from A.M. Best and a rating of AA (very strong) from S&P Global. State Farm is rated very highly by homeowners in Phoenix. According to the National Association of Insurance Commissioners (NAIC), State Farm occupies the majority of the Arizona’s home insurance market with a 10.31% market share. State Farm allows homeowners to submit a claim online or through an agent, and track the claim status through the company’s website. 

Farmers

Farmers Insurance received a financial strength rating of A+ (Superior) from A.M. Best and a rating of A2 (sixth-highest rating) from Moody’s Investors Service. The home insurance company provides three types of home insurance policies - Standard, Enhanced, or Premier. According to NAIC, Farmers holds 6.49% of the market share in the state of Arizona. Moreover, if homeowners go five or more years without filing a claim, Farmers waives off surcharges on home insurance rates.

USAA

USAA has a financial rating of A++ (Superior) from A.M. Best and AA+ (second highest rating) from S&P Global. USAA offers its home insurance services exclusively to army personnel and their families. The home insurance company has been around for 95 years and occupies 5.16% market share in Arizona. USAA makes it very convenient for homeowners to submit a claim and track the status through its mobile app.

Allstate

Allstate has financial strength rating of A+ (Superior) from A.M. Best and Aa3 (fourth highest rating) from Moody’s Investors Service. Allstate agents work with homeowners to design a policy based on their needs and budget.. The home insurance company offers 24/7 customer service for homeowners to clear their queries. NAIC reports that Allstate occupies a 5.03% market share in the state of Arizona.

Travelers

Travelers received a financial strength rating of A (Excellent) from A.M. Best, and AA (very strong) from S&P Global. The home insurance company provides substantial discounts on multi-policies and homes equipped with smart home technology. According to NAIC, Travelers occupies a market share of 3.69% in the state of Arizona.

Market_Share_phoenix

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
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


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 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

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 DeductibleHigh 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 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

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

Latest Home Insurance Reviews

Geico
I would recommend them, I do not have any reason not to recommend them, as I have had no negative experiences.
State Farm
I 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 Shield
The company office locations are many and nearby, which helps me to access conveniently when required
Liberty Mutual
I 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.
Progressive
I 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 Mutual
I would reccomend the company because they will reimburse for fire damage. It is not too expensive for the insurance either.
Liberty Mutual
I 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 Insurance
I 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 Insurance
From what i remember customer service was decent enough, so i would give them a 4
State Farm
I 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.
State Auto
Excellent 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.
Allstate
Allstate has the best customer service around. They really do care about their customers and they d everything they can to help.
Liberty Mutual
Customer service is a 4. They have been super helpful in keeping my home safe and allowing me to feel safe and secure about everything financially, and in general. Great company and i recommend them to everyone.
Farmer's Insurance
My experience with my home insurance companys customer service would have to be rated a 5. They are always very polite and eager to help me solve any problems or answer any questions.
Alcott Insurance
What i like about alcott is the wide network of medical doctors and dentists and other medical providers that take their coverage
Insurance Connection Usa
Insurance 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
Geico
I just wish the price I initially paid for the coverage I have did not go up every few months for no reason.
State Farm
I 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.
Progressive
The 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 Insurance
I 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 Farm
I 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 Farm
The 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 Farm
It was covered to same to other company.
Progressive
I 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 Farm
They 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.
Allstate
There 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 Insurance
I 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.
Progressive
I 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 Group
I 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).
Travelers
They have great prices. There service is top notch every time I call them.
Progressive
I 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.
Progressive
They offer the best rates and are located in the great state of Texas.
Geico
They 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
Geico
Only that my rates keep going up. Maybe do to inflation.

How To Make Your San Antonio, TX Home Insurance Cheaper

How Much Does San Antonio, TX Home Insurance Cost?