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.
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.
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 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.
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.
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.
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 |
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 |
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 |
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 |
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 |
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 |
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 |