Trusted Providers Only Home Insurance in Texas — From $39/mo
Find home insurance options in Texas. Quotes only from verified and trusted Texas insurers
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Why compare Home Insurance in Texas?
Prices can vary widely across providers in Texas. Whether you’re in Houston or Dallas, comparing quotes helps you find better coverage for less.
What you get
- Quotes only from verified and trusted Texas insurers
- Wind/Hail Options
- Bundle & Save options where available
Rates in Texas
Typical annual rates start from $470 (based on plans from $39/mo)
Texas has the second-highest home insurance premiums in the US, driven by hurricane risk along the Gulf Coast, tornado activity across North and West Texas, hail storms statewide, and extreme heat affecting foundations. Houston homeowners face flood risk on top of wind exposure. Carriers vary widely on what they cover and at what price — comparing is essential.
Estimated monthly rates by home profile in Texas
Estimates vary by property type, age, and location within Texas. Here's what homeowners often see:
| Home profile | Est. monthly | New construction | Flood available |
|---|---|---|---|
| Single family, $200k–$300k value | $55–$80 | No | ✓ |
| Single family, $300k–$500k value | $85–$125 | No | ✓ |
| Coastal/Gulf area home | $120–$185 | No | ✓ |
| New construction | $45–$70 | Yes | ✓ |
| Older home, built pre-1980 | $75–$110 | No | ✓ |
Quotes only from verified and trusted Texas insurers
Get Trusted Providers Only plans starting at $39/mo — includes Wind/Hail Options.
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Frequently Asked Questions
Why is home insurance so expensive in Texas?
Texas faces multiple severe weather risks simultaneously: hurricane and tropical storm wind along the Gulf Coast, tornado activity across North and West Texas, hail storms statewide, and flash flooding in urban areas. This combination of perils drives premiums significantly above the national average.
Does Texas home insurance cover flood damage?
No. Standard Texas homeowners insurance does not cover flood damage. Flood insurance is separate and available through the National Flood Insurance Program (NFIP) or private flood insurers. In Houston and other flood-prone areas, a separate flood policy is strongly recommended.
Does Texas home insurance cover hurricane damage?
Wind damage from hurricanes is covered under standard Texas homeowners policies. However, most coastal Texas policies have a separate, higher hurricane or windstorm deductible — typically 1–5% of your home's insured value rather than a flat dollar amount.
What is the windstorm deductible in Texas?
Coastal Texas counties use a percentage-based wind/hail deductible rather than a flat amount — typically 1–5% of your home's insured value. On a $300,000 home with a 2% deductible, that's $6,000 out of pocket before insurance pays. Comparing carriers helps find the best deductible structure.
Is home insurance required in Texas?
Texas law doesn't require homeowners insurance, but virtually all mortgage lenders require it as a condition of the loan. Even without a mortgage, going uninsured in Texas's weather environment carries significant financial risk.
How can I lower my home insurance rate in Texas?
Bundling home and auto with the same carrier (10–20% savings), installing storm shutters or impact-resistant roofing, raising your deductible, adding a home security system, and comparing multiple carriers are the most effective approaches. Texas rates vary significantly between carriers for identical homes.