How much is homeowners insurance in Fort Worth,TX

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The average cost of homeowners insurance in Fort Worth is $4,219 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,715 more than the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Fort Worth depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Fort Worth, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Fort Worth.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Fort Worth.

Key takeaways

In Fort Worth, homeowners insurance costs $4,219 annually.
State Farm offers the most affordable homeowners insurance in Fort Worth with an average annual premium of $3,940.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $977 higher.

How much is homeowners insurance in Fort Worth per month

Fort Worth homeowners pay an average of $352 a month, based on our rate analysis. It’s $32 more than the state average of $320 and $143 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Fort Worth may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in Fort Worth

The average cost of homeowners insurance in Fort Worth, TX is $3,242 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in Fort Worth

According to Insure.com’s rate analysis, homeowners in Fort Worth typically pay an average of $4,219 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $977. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

How much is homeowners insurance in Fort Worth by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Fort Worth. It’s average annual rate for Fort Worth homeowners is $3,940. Farmers ranks second and Progressive makes it to the third spot with an average annual home insurance rate of $4,909.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Fort Worth and prepared a list of the cheapest home insurance providers. You can find below the Fort Worth home insurance companies and their average annual premium.

Home insurance company	Annual rate
State Farm	$3,940
Farmers	$4,235
Progressive	$4,909
Nationwide	$7,412
USAA*	$3,207

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Fort Worth for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.