How much is homeowners insurance in San Antonio,FL

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In San Antonio, homeowners pay an average annual rate of $4,190 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,686 more than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In San Antonio, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in San Antonio, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in San Antonio.

Key takeaways

In San Antonio, homeowners insurance costs $4,190 annually.
Travelers offers the most affordable homeowners insurance in San Antonio with an average annual premium of $1,840.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $1,131 higher.

How much is homeowners insurance in San Antonio per month

San Antonio homeowners pay an average of $349 a month, based on our rate analysis. It’s $32 less than the state average of $381 and $140 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in San Antonio 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 San Antonio

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $3,059 per year in San Antonio, FL. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

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

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

According to Insure.com’s rate analysis, homeowners in San Antonio typically pay an average of $4,190 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 $1,131. 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 San Antonio by company

Among the carriers analyzed, Travelers is the cheapest homeowners insurance company in San Antonio. It’s average annual rate for San Antonio homeowners is $1,840. Security First Insurance ranks second and Citizens Property Insurance makes it to the third spot with an average annual home insurance rate of $2,904.

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 San Antonio and prepared a list of the cheapest home insurance providers. You can find below the San Antonio home insurance companies and their average annual premium.

Home insurance company	Annual rate
Travelers	$1,840
Security First Insurance	$2,479
Citizens Property Insurance	$2,904
HCI Group Inc	$3,081
Amer Integrity Ins Co of FL	$3,122
Progressive	$4,014
Heritage Insurance Holdings	$4,267
FedNat Holding	$4,448
State Farm	$4,957
Allstate	$5,348
Nationwide	$5,396
Universal Insurance Holding	$8,325

Methodology

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