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.

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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

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.
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 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
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.
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.
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.
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.
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).
They have great prices. There service is top notch every time I call them.
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.
They offer the best rates and are located in the great state of Texas.
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
Only that my rates keep going up. Maybe do to inflation.