How much is homeowners insurance in Houston, Texas?

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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), based on Insure.com’s rate data analysis. It’s $3,349 more than the national average of $2,504 .

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

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Houston, what home insurance costs for different dwelling coverage, and which companies offer cheap 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

Residents of Houston pay an average of $488 a month for homeowners insurance. It’s $168 more than the state average of $320 and $279 more than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Houston may change based on location, property value, and selected coverage options.

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

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $4,192 per year in Houston. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

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

Homeowners in Houston typically pay an average of $5,853 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 $1,661 . You should 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 Houston by company

Among the carriers we analyzed, State Farm is the cheapest homeowners insurance company in Houston. Its average annual rate for Houston homeowners is $3,957 , while Progressive ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Houston and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

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

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Texas that can impact your home insurance

Living in Texas comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Texas is commonly affected by Cold wave, Hail, Heat wave, Lightning, Riverine flooding, Strong wind, Tornado and Winter weather.

How home insurance protects you against natural disasters

Home insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

TIP

Many homeowners find out too late that their insurance doesn’t cover certain natural disasters. Be proactive – review your policy, ask your insurer about disaster-specific exclusions, and explore additional protection if you’re in a high-risk zone.

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 $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.