San Antonio, TX Home Insurance - Analysis On Quotes, Rates & Agents
San Antonio, TX Insurance Rates:
The average cost of home insurance in San Antonio, TX is $1631. vHome analyzed multiple home insurance quotes in San Antonio, TX to narrow down the list of the cheapest insurance companies in San Antonio, 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.
San Antonio, TX homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in San Antonio, TX
- San Antonio, TX Homeowners Insurance for Different Coverages
- Visual Guide for San Antonio, TX Home Insurance Buyers on Insurance Companies and Rates
- San Antonio, TX Homeowners Insurance Rate Based on Claims Filed
- San Antonio, TX Homeowners Insurance by Zip Code
- San Antonio, TX Home Insurance Premium Based on the Number of Bedrooms
- San Antonio, TX Home Insurance Premiums for Different Deductibles
- San Antonio, TX Homeowners Insurance Premium Based on the Age of the Home
- San Antonio, TX Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on San Antonio, TX Homeowners Insurance
- San Antonio, TX Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in San Antonio, TX
Average Home Insurance Premium in San Antonio, TX
| National Average Premium | State Average Premium | San Antonio Average Premium |
|---|---|---|
| $1,438 | $1,709 | $1,631 |
Top Home Insurance Companies in San Antonio, 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 |
|---|---|---|---|---|
| Safeco Insurance | $2,807 | $3,299 | $3,883 | $5,192 |
| United Property & Casualty Insurance Company | $717 | $855 | $1,103 | $1,598 |
| Encompass Insurance | $3,337 | $4,292 | $5,643 | $7,780 |
| Farmers | $987 | $984 | $1,168 | $1,639 |
| Chubb | $1,365 | $2,661 | $4,141 | $5,303 |
San Antonio, TX Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 1,105.1 |
| $150,000 To $174,999 | 1,947.61 |
| $175,000 To $199,999 | 2,271.79 |
| $200,000 To $249,999 | 2,547.36 |
| $250,000 To $299,999 | 3,972.19 |
| $300,000 To $399,999 | 5,329.69 |
| $400,000 To $499,999 | 6,319.79 |
| $500,000 To $749,999 | 8,089.33 |
| $750,000 To $999,999 | 9,353.28 |
| $1000,000 To $1499,999 | 10,301.25 |
| $1500,000 To $2000,000 | 11,059.63 |
Visual Guide for San Antonio, TX Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near San Antonio, TX | Back to Top
| Home Insurance Company Near San Antonio, TX | Homeowners Insurance Agency Near San Antonio, TX | Address |
|---|---|---|
| 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 |
List of San Antonio, TX Home Insurance Agents by Companies
San Antonio, TX Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in San Antonio, TX with no claims filed get a discount of $195.72, whereas homeowners with one claim have to file an additional home insurance rate of $130 while homeowners with 2 claims have to pay an additional $196 for their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -196 | 1,435 |
| One Claim | +130 | 1,761 |
| Two Claim | +196 | 1,827 |
San Antonio, TX Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 78222 | 95,100 | 1,651 |
| 78218 | 88,300 | 1,517 |
| 78228 | 86,600 | 1,582 |
| 78223 | 85,700 | 1,652 |
| 78221 | 79,700 | 1,533 |
| 78227 | 78,400 | 1,541 |
| 78224 | 77,100 | 1,654 |
| 78210 | 73,900 | 1,533 |
| 78220 | 70,900 | 1,549 |
| 78225 | 70,600 | 1,582 |
| 78242 | 69,400 | 1,652 |
| 78264 | 68,700 | 1,517 |
| 78204 | 67,900 | 1,651 |
| 78214 | 67,300 | 1,549 |
| 78203 | 65,200 | 1,541 |
| 78257 | 649,000 | 1,517 |
| 78211 | 64,600 | 1,533 |
| 78226 | 64,400 | 1,566 |
| 78237 | 61,300 | 1,549 |
| 78208 | 59,700 | 1,652 |
| 78202 | 57,600 | 1,541 |
| 78207 | 57,300 | 1,654 |
| 78256 | 341,300 | 1,533 |
| 78258 | 280,000 | 1,517 |
| 78255 | 275,300 | 1,651 |
| 78248 | 268,100 | 1,566 |
| 78260 | 267,000 | 1,517 |
| 78261 | 244,500 | 1,541 |
| 78215 | 223,600 | 1,541 |
| 78259 | 207,200 | 1,549 |
| 78230 | 187,200 | 1,549 |
| 78253 | 185,300 | 1,517 |
| 78205 | 182,500 | 1,517 |
| 78263 | 165,100 | 1,651 |
| 78249 | 159,700 | 1,654 |
| 78254 | 155,200 | 1,652 |
| 78216 | 151,100 | 1,582 |
| 78251 | 142,300 | 1,533 |
| 78240 | 140,500 | 1,654 |
| 78229 | 132,100 | 1,541 |
| 78250 | 123,100 | 1,549 |
| 78252 | 119,100 | 1,652 |
| 78217 | 115,000 | 1,651 |
| 78245 | 114,700 | 1,652 |
| 78244 | 110,800 | 1,651 |
Factors Affecting Home Insurance Premiums in San Antonio, TX
The average cost of homeowners insurance in San Antonio, TX is $1631. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.
San Antonio, TX Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 1,470 |
| 3 Bedroom | 1,575 |
| 4 Bedroom | 3,360 |
| 5 Bedroom | 3,570 |
San Antonio, 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 | 1,611 |
| $1000 Deductible | 1,458 |
| $1500 Deductible | 1,372 |
| $2000 Deductible | 1,246 |
| $2500 Deductible | 1,171 |
San Antonio, TX Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in San Antonio, TX pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 1,240 |
| Year 30 Old | 1,655 |
| Year 40 Old | 1,673 |
| Year 50 Old | 1,693 |
| Above Year 50 | 1,709 |
San Antonio, 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 | 163 | 1,468 |
| Masonry | 82 | 1,549 |
| Brick | 82 | 1,549 |
| Superior | 163 | 1,468 |
| Hail Resistant Roof | 49 | 1,582 |
Top Saving Tips on San Antonio, TX Homeowners Insurance | Back to Top
Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. San Antonio, 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 San Antonio, TX homeowners can take advantage of to increase their savings.
San Antonio, TX Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 310 | 1,321 |
| Retiree Discount (Senior Citizen Discount) | 228 | 1,859 |
| Newly Constructed Home | 391 | 1,240 |
San Antonio, TX Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 228 | 1,403 |
| Fire Extinguishers | 179 | 1,452 |
| Smoke Detectors | 179 | 1,452 |
| Sprinkler System | 130 | 1,501 |
| Fire Alarm | 82 | 1,549 |
| Burglar Alarm | 147 | 1,484 |
| Lightning Protection | 49 | 1,582 |
Latest Home Insurance Reviews
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.
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.
Liberty MutualCustomer 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 InsuranceMy 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 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.