How much is homeowners insurance in San Antonio,TX

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In San Antonio, homeowners pay an average annual rate of $2,714 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 $210 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

Homeowners insurance costs $2,714 per year in San Antonio.
At $2,615 per year, State Farm offers the cheapest homeowners insurance in San Antonio.
Your home insurance rates increase by $634 more annually if you increase your dwelling coverage from $200,000 to $300,000.

How much is homeowners insurance in San Antonio per month

Residents of San Antonio pay an average of $226 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $94 less than the state average of $320 and $17 more than the national average for home insurance across the United States.

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

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

In San Antonio, TX, homeowners pay an average of $2,080 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 San Antonio

According to Insure.com’s rate analysis, homeowners in San Antonio typically pay an average of $2,714 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 $634. 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, State Farm is the most affordable homeowners insurance company in San Antonio, offering an average annual rate of $2,615.

Progressive ranks second, while Farmers holds the third spot with an average annual rate of $2,877.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in San Antonio and compiled a list of the most affordable options.

Below are the details of home insurance companies in San Antonio and their average annual premiums.

Home insurance company	Annual rate
State Farm	$2,615
Progressive	$2,780
Farmers	$2,877
Nationwide	$3,255
USAA*	$2,431

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.