How much is homeowners insurance in Houston,TX

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Houston is $5,853 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $3,349 more than the national average of $2,504 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Houston depend on several factors, including:

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

State Farm is the cheapest homeowners insurance company in Houston with an average annual premium of $5,853 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Houston. Keep reading to learn about the monthly cost of homeowners insurance in Houston, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Houston.

Key takeaways

The average cost of homeowners insurance in Houston is $5,853 per year.
State Farm is the cheapest homeowners insurance company in Houston with an average annual premium of $3,957.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,661 more a year for home insurance.

How much is homeowners insurance in Houston per month

Houston homeowners pay an average of $488 a month, based on our rate analysis. It’s $168 more than the state average of $320 and $279 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Houston 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 Houston

In Houston, TX, homeowners pay an average of $4,192 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

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

Based on a rate analysis conducted by Insure.com, Houston residents pay an average of $5,853 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,661 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Houston by company

After evaluating several carriers, State Farm is the least expensive homeowners insurance provider in Houston. It’s average annual rate for homeowners in Houston is $3,957.

Progressive holds the second position, while Farmers secures the third spot with an average annual home insurance rate of $6,198.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Houston and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Houston and their average annual premiums.

Home insurance company	Annual rate
State Farm	$3,957
Progressive	$6,074
Farmers	$6,198
Nationwide	$7,404
USAA*	$5,643

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Houston 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.