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Texas homeowners insurance

By Posted : April 14, 2017

Homeowners insurance: Texas

Here we outline what you need to know to make smart choices when buying Texas homeowners insurance, including a comparison of rates for homeowners insurance companies in Texas and recommendations on how much coverage you need.

Let Insurance.com help you find affordable home insurance now.

No matter where you live, it pays to compare rates for homeowners insurance. The same is true for Texas. Premiums can vary, sometimes by a little, sometimes by a good amount more.

Why is that? Michael Barry, a spokesman for the Insurance Information Institute, a trade group, explains that various factors can influence local rates. They can include building costs in your area, local crime rates, and the risk where you live from natural disasters such as hurricanes, hail storms and tornadoes. And, of course, insurance companies want your business and that may affect pricing.

For more information home insurance basics, check out the “Home Insurance Resources” articles on the left.

  • Here we will provide information on:
  • Homeowners insurance: Texas average cost
  • How deductibles affect your insurance rate
  • Texas homeowners insurance comparison: Rates for 75 coverage levels
  • What deductible and liability limits provide the cheapest Texas homeowners insurance?
  • Texas home insyurance comparison by ZIP code
  • Texas home insurance rates by company
  • Best Texas home insurance companies
  • Texas home insurance discounts
  • Other types of home insurance you may need in Texas
  • Methodology

Homeowners  insurance: Texas average cost

The average cost of home insurance in Texas is $1,945, making Texas  the seventh most expensive state in the country for home insurance. Its average cost is $717 more than the national average of $1,288, for the coverage level of:

  • $200,000 dwelling coverage
  • $1,000 deductible
  • $100,000 liability

When buying a homeowner insurance policy, you decide the coverage amount for the following:

  • dwelling
  • liability
  • medical payments

The limits of your coverage for the following are typically a set percentage of your dwelling coverage limit as shown below:

  • other structures – 10 percent
  • personal property – 50 percent
  • oss of use – 20 percent

 

A deductible is the amount of money you pay before your insurance company pays out on a claim. For example, if your home sustains damage of $3,000 and you have a $500 deductible, you pay the first $500 and your insurer pays $2,500.

Some deductibles are based on dollar amounts. Others are based on a percentage of your home's value. If your home is insured for $200,000 and your deductible is 2 percent, you will owe $4,000 before insurance coverage kicks in.

You  choose a home insurance deductible amount, which applies to claims for damage to your home or belongings, but not if you’re sued or a medical claim is filed by someone injured in your home. These are typically in the amounts of $500, $1,000, $1,500, $2,000 and $2,500.

How deductibles affect your insurance rate

Understanding the implications of the deductible you choose when buying homeowners insurance is important - in Texas, as in all the states, a higher deductible means the more you'll save on insurance premiums.

The savings can be significant. Barry says that most insurers recommend a deductible of at least $500, which may be ok for you. But keep in mind that by raising that to $1,000, you're likely to save as much as 25 percent on your policy, according to the III. Of course, that's $1,000 out of your pocket if there are major problems, so it's a bit of a balancing act.

 

Texas homeowners insurance comparison: Rates for 75 coverage levels

When buying home insurance, you should insure your home based on its replacement cost, which is the amount you need to rebuild it if damaged or destroyed, and not its market value, which is what you could sell your home for in its current condition. Replacement cost offers more protection because the cost of building a home often exceeds its market value.

When shopping for a policy, you will have to choose a “dwelling coverage” amount. You should select a dwelling coverage limit that best matches the cost to repair damage to your home or rebuild it completely at equal quality — at current prices. This can be an arduous task, so using online calculators or hiring an appraiser to give you a replacement cost valuation will save you time.

Here we show the average cost of Texas homeowners insurance for 75 coverage levels, based on a rate analysis by Insurance.com. 

Enter a dwelling coverage of $200,000, $300,000, $400,000, $500,000 or $600,000. You will see annual average rates based on five deductible amounts (from $500 to $2,500) for each liability limit of $100,000, $300,000 and $500,000.

Coverage levelAverage annual rate
$200,000 with $500 Deductible and $100,0000 Liability $2,037
$200,000 with $1,000 Deductible and $100,000 Liability $1,945
$200,000 with $1,500 Deductible and $100,000 Liability $1,894
$200,000 with $2,000 Deductible and $100,000 Liability $1,828
$200,000 with $2,500 Deductible and $100,000 Liability $1,734
$200,000 with $500 Deductible and $300,000 Liability $2,048
$200,000 with $1,000 Deductible and $300,000 Liability $1,955
$200,000 with $1,500 Deductible and $300,000 Liability $1,905
$200,000 with $2,000 Deductible and $300,000 Liability $1,839
$200,000 with $2,500 Deductible and $300,000 Liability $1,745
$200,000 with $500 Deductible and $500,000 Liability $2,059
$200,000 with $1,000 Deductible and $500,000 Liability $1,966
$200,000 with $1,500 Deductible and $500,000 Liability $1,916
$200,000 with $2,000 Deductible and $500,000 Liability $1,849
$200,000 with $2,500 Deductible and $500,000 Liability $1,755
$300,000 with $500 Deductible and $100,000 Liability $2,694
$300,000 with $1,000 Deductible and $100,000 Liability $2,587
$300,000 with $1,500 Deductible and $100,000 Liability $2,508
$300,000 with 2$,000 Deductible and $100,000 Liability $2,465
$300,000 with $2,500 Deductible and $100,000 Liability $2,332
$300,000 with $500 Deductible and $300,000 Liability $2,707
$300,000 with $1,000 Deductible and $300,000 Liability $2,599
$300,000 with $1,500 Deductible and $300,000 Liability $2,520
$300,000 with $2,000 Deductible and $300,000 Liability $2,477
$300,000 with $2,500 Deductible and $300,000 Liability $2,344
$300,000 with $500 Deductible and $500,000 Liability $2,719
$300,000 with $1,000 Deductible and $500,000 Liability $2,611
$300,000 with $1,500 Deductible and $500,000 Liability $2,532
$300,000 with $2,000 Deductible and $500,000 Liability $2,488
$300,000 with $2,500 Deductible and $500,000 Liability $2,356
$400,000 with $500 Deductible and $100,000 Liability $3,388
$400,000 with 1000 Deductible and $100,000 Liability $3,262
$400,000 with $1,500 Deductible and $100,000 Liability $3,206
$400,000 with 2000 Deductible and $100,000 Liability $3,109
$400,000 with $2,500 Deductible and $100,000 Liability $3,008
$400,000 with $500 Deductible and $300,000 Liability $3,402
$400,000 with $1,000 Deductible and $300,000 Liability $3,275
$400,000 with $1,500 Deductible and $300,000 Liability $3,220
$400,000 with $2,000 Deductible and $300,000 Liability $3,122
$400,000 with $2,500 Deductible and $300,000 Liability $3,022
$400,000 with $500 Deductible and $500,000 Liability $3,416
$400,000 with $1,000 Deductible and $500,000 Liability $3,289
$400,000 with $1,500 Deductible and $500,000 Liability $3,233
$400,000 with $2,000 Deductible and $500,000 Liability $3,135
$400,000 with $2,500 Deductible and $500,000 Liability $3,035
$500,000 with $500 Deductible and $100,000 Liability $4,119
$500,000 with $1,000 Deductible and $100,000 Liability $3,976
$500,000 with $1,500 Deductible and $100,000 Liability $3,916
$500,000 with $2,000 Deductible and $100,000 Liability $3,776
$500,000 with $2,500 Deductible and $100,000 Liability $3,666
$500,000 with $500 Deductible and $300,000 Liability $4,136
$500,000 with $1,000 Deductible and $300,000 Liability $3,992
$500,000 with $1,500 Deductible and $300,000 Liability $3,932
$500,000 with $2,000 Deductible and $300,000 Liability $3,791
$500,000 with $2,500 Deductible and $300,000 Liability $3,682
$500,000 with $500 Deductible and $500,000 Liability $4,152
$500,000 with $1,000 Deductible and $500,000 Liability $4,008
$500,000 with $1,500 Deductible and $500,000 Liability $3,948
$500,000 with $2,000 Deductible and $500,000 Liability $3,807
$500,000 with $2,500 Deductible and $500,000 Liability $3,697
$600,000 with $500 Deductible and $100,000 Liability $4,865
$600,000 with $1,000 Deductible and $100,000 Liability $4,690
$600,000 with $1,500 Deductible and $100,000 Liability $4,620
$600,000 with $2,000 Deductible and $100,000 Liability $4,567
$600,000 with $2,500 Deductible and $100,000 Liability $4,326
$600,000 with $500 Deductible and $300,000 Liability $4,883
$600,000 with $1,000 Deductible and $300,000 Liability $4,708
$600,000 with $1,500 Deductible and $300,000 Liability $4,637
$600,000 with $2,000 Deductible and $300,000 Liability $4,584
$600,000 with $2,500 Deductible and $300,000 Liability $4,343
$600,000 with $500 Deductible and $500,000 Liability $4,901
$600,000 with $1,000 Deductible and $500,000 Liability $4,726
$600,000 with $1,500 Deductible and $500,000 Liability $4,655
$600,000 with $2,000 Deductible and $500,000 Liability $4,601
$600,000 with $2,500 Deductible and $500,000 Liability $4,360

What deductible and liability limits provide the cheapest Texas homeowners insurance?

Let’s take a closer look at the average Texas homeowners insurance rates by coverage level. As you’ll see in the chart above, the cheapest Texas home insurance rates are those with the highest deductible amount and lowest liability limit. Let’s look just at dwelling coverage of $200,000 as an example, outlined below. The premium with the highest deductible of $2,500 with the lowest liability limit of $100,000 is $1,734. That’s $303 less than the same policy with a $500 deductible.

$200,000 dwelling/$100,000 liability

Rate

$2,500 Deductible

$1,734

$2,000 Deductible

$1,828

$1,500 Deductible

$1,894

$1,000 Deductible

$1,945

$500   Deductible

$2,037

 

Texas homeowners insurance comparison by ZIP code

ZIP codes in Galveston are among the most expensive places to insure a home in Texas, topping out at an average of about $7,000. That’s over $6,000 more than the cheapest neighborhoods in the state for home insurance, which are in El Paso.  Insurance.com analyzed home insurance rates from major insurance companies in nearly every ZIP code in Texas. 

For $200,000 dwelling coverage with a $1,000 deductible and $100,000 liability limits, the average rate of $7,105 in Galveston  ZIP code 77550 is not the highest for the Lone Star state. All of El Paso’s ZIP codes came in with rate ranging from $803 to $845, sand are the cheapest Texas home insurance rates by ZIP code.

By entering your ZIP code in the search box, you’ll see the average home insurance rate for that area, as well as the highest and lowest premium fielded from major insurers. This will give you an idea of how much you can save by comparing home insurance rates. For example, the highest rate ($2,760) for Dallas ZIP 75260 is $1,486 more than the lowest ($1,274). That means you can save nearly $1,500 just by comparing rates and shopping around. Rates are for coverage of $200,000 with a $1,000 deductible and $100,000 liability limits.

ZIP codeCityAverage annual rate

 Highest

annual rate

 Lowest

 annual rate

77550 Galveston $7,105 $11,563 $2,926
77551 Galveston $7,014 $11,321 $2,926
77554 Galveston $6,927 $13,662 $2,926
77650 Bolivar Peninsula $6,731 $11,728 $2,926
77617 Gilchrist $6,422 $11,641 $2,926
77518 Bacliff $6,277 $13,049 $2,926
77982 Port O Connor $6,193 $12,732 $3,012
77623 Bolivar Peninsula $6,060 $9,467 $2,926
77457 Matagorda $5,927 $10,682 $3,088
78373 Port Aransas $5,919 $10,547 $2,316
78597 South Padre Island $5,789 $13,185 $2,308
77565 Clear Lake Shores $5,595 $11,245 $2,926
77590 Texas City $5,532 $9,861 $2,926
78358 Fulton $5,490 $10,496 $2,808
77655 Sabine Pass $5,364 $8,716 $2,926
77428 Collegeport $5,354 $9,325 $3,088
77568 La Marque $5,281 $7,157 $2,926
78578 Laguna Heights $5,267 $10,133 $2,308
77983 Seadrift $5,166 $8,285 $3,012
77563 Bayou Vista $5,139 $7,145 $2,926
77661 Stowell $5,106 $10,847 $2,926
77950 Austwell $4,973 $8,390 $2,808
78598 Port Mansfield $4,949 $9,277 $2,308
78382 Lamar $4,934 $8,744 $2,808
77586 El Lago $4,916 $10,923 $2,792
77431 Danciger $4,862 $10,847 $2,300
77979 Port Lavaca $4,822 $8,279 $3,012
77541 Freeport $4,802 $9,291 $3,325
77465 Palacios $4,795 $8,694 $3,088
77539 Dickinson $4,787 $7,601 $2,926
78402 Corpus Christi $4,770 $9,168 $2,316
77978 Point Comfort $4,749 $8,279 $2,862
78568 Lozano $4,725 $10,847 $2,308
77591 Texas City $4,707 $5,975 $2,926
78418 Corpus Christi $4,686 $9,239 $2,316
78404 Corpus Christi $4,685 $8,957 $2,316
78401 Corpus Christi $4,641 $8,695 $2,316
78419 Corpus Christi $4,591 $8,841 $2,316
78411 Corpus Christi $4,580 $8,032 $2,316
77573 League City $4,539 $6,036 $2,926
77577 Liverpool $4,482 $5,739 $3,325
78412 Corpus Christi $4,469 $8,238 $2,316
77517 Santa Fe $4,389 $5,289 $2,926
78405 Corpus Christi $4,356 $6,399 $2,316
77990 Tivoli $4,303 $5,671 $2,808
78407 Corpus Christi $4,286 $5,981 $2,316
77514 Anahuac $4,284 $7,290 $2,926
77204 Houston $4,256 $10,847 $2,239
77571 La Porte $4,248 $6,649 $2,622
77510 Santa Fe $4,204 $4,912 $2,926
78416 Corpus Christi $4,200 $5,464 $2,316
77534 Danbury $4,187 $5,183 $3,325
78347 Chapman Ranch $4,182 $6,711 $2,316
77507 Pasadena $4,179 $6,874 $2,792
77483 Wadsworth $4,175 $5,744 $3,088
77407 Richmond $4,171 $10,847 $2,173
77406 Pecan Grove $4,109 $10,847 $2,173
77411 Alief $4,108 $10,847 $1,986
78408 Corpus Christi $4,104 $5,637 $2,316
77531 Clute $4,079 $5,705 $3,088
77639 Orangefield $4,064 $10,847 $2,056
78336 Aransas Pass $4,060 $8,392 $2,316
77440 Elmaton $4,058 $5,219 $3,200
77463 Old Ocean $4,041 $4,659 $3,325
78567 Los Indios $4,027 $10,847 $1,315
77058 Houston $4,012 $6,503 $2,550
78415 Corpus Christi $3,986 $5,885 $2,316
77422 Brazoria $3,985 $5,343 $3,088
77597 Wallisville $3,984 $5,206 $2,926
77453 Lane City $3,968 $10,847 $2,031
78362 Ingleside $3,958 $7,782 $2,316
78409 Corpus Christi $3,954 $5,134 $2,316
78414 Corpus Christi $3,952 $5,514 $2,316
77566 Lake Jackson $3,948 $5,118 $3,088
78561 Lasara $3,947 $10,847 $1,315
78535 Combes $3,941 $10,847 $1,315
77468 Pledger $3,931 $6,072 $3,200
77515 Angleton $3,895 $5,000 $3,088
77520 Baytown $3,888 $5,554 $2,691
78340 Bayside $3,887 $5,759 $2,808
78417 Corpus Christi $3,882 $5,134 $2,316
77458 Midfield $3,868 $6,072 $3,012
77337 Hufsmith $3,859 $10,847 $1,487
77413 Barker $3,858 $10,847 $1,986
77560 Hankamer $3,852 $5,739 $2,926
77436 Egypt $3,852 $10,847 $2,031
78413 Corpus Christi $3,843 $5,026 $2,316
77640 Port Arthur $3,841 $5,053 $2,926
77523 Baytown $3,824 $4,820 $2,926
77415 Cedar Lane $3,820 $4,887 $3,088
77486 West Columbia $3,811 $4,852 $3,325
77580 $3,796 $5,102 $2,926
78406 Corpus Christi $3,794 $5,134 $2,316
77480 Sweeny $3,773 $4,417 $3,325
77430 Damon $3,756 $5,468 $2,300
77511 Alvin $3,750 $4,442 $2,990
78359 Gregory $3,740 $6,215 $2,316
78374 Portland $3,737 $6,201 $2,316
77419 Blessing $3,726 $4,999 $3,012
77059 Houston $3,696 $5,239 $2,587
77482 Van Vleck $3,693 $4,318 $3,200
77583 Alvin $3,674 $5,206 $2,300
77456 Markham $3,664 $4,532 $3,012
77622 Hamshire $3,647 $5,468 $1,892
77598 Houston $3,635 $4,950 $2,550
77414 Bay City $3,627 $4,602 $3,088
77062 Houston $3,625 $4,889 $2,550
77642 Port Arthur $3,610 $4,446 $2,926
77976 Nursery $3,601 $10,847 $1,679
77665 Winnie $3,592 $5,279 $1,892
77578 Manvel $3,587 $4,498 $2,307
77619 Groves $3,586 $4,036 $2,862
77993 Weesatche $3,548 $10,847 $1,440
76352 Bluegrove $3,504 $10,847 $1,230
77505 Pasadena $3,490 $4,540 $2,609
76369 Kamay $3,487 $10,847 $1,230
77546 Friendswood $3,474 $4,540 $2,550
79077 Sam Norwood $3,448 $10,847 $1,180
77536 Deer Park $3,444 $4,250 $2,613
77581 Brookside Village $3,427 $4,079 $2,237
75097 Weston $3,423 $10,847 $1,123
78583 Rio Hondo $3,422 $5,249 $2,308
77521 Baytown $3,398 $4,508 $2,691
78599 Weslaco $3,398 $10,847 $1,228
78350 Dinero $3,392 $10,847 $1,228
76465 Morgan Mill $3,384 $10,847 $1,109
76467 Paluxy $3,383 $10,847 $1,109
78162 Tuleta $3,382 $10,847 $1,402
77584 Pearland $3,375 $4,079 $1,976
76855 Lowake $3,374 $10,847 $1,043
76164 Fort Worth $3,358 $10,847 $1,233
77089 Houston $3,357 $4,117 $2,471
78342 Ben Bolt $3,351 $10,847 $1,233
78390 Taft $3,350 $4,056 $2,316
77503 Pasadena $3,344 $4,540 $2,445
76485 Peaster $3,335 $10,847 $1,149
79516 Dunn $3,330 $10,847 $1,097
77504 Houston $3,328 $4,540 $2,370
75157 Rosser $3,312 $10,847 $1,002
76267 Slidell $3,311 $10,847 $1,149
76005 Arlington $3,308 $10,847 $1,194
77530 Channelview $3,299 $4,540 $2,536
77875 Roans Prairie $3,294 $10,847 $1,321
77562 Highlands $3,286 $4,540 $2,369
77444 Guy $3,283 $4,331 $2,301
75425 Chicota $3,282 $10,847 $987
78370 Odem $3,266 $3,872 $2,316
76439 Dennis $3,263 $10,847 $1,149
77075 Houston $3,256 $4,117 $2,497
75443 Gober $3,249 $10,847 $1,027
77034 Houston $3,247 $3,919 $2,475
75458 Merit $3,246 $10,847 $1,158
77532 Barrett $3,245 $4,540 $2,588
78521 Brownsville $3,245 $5,696 $1,315
78410 Corpus Christi $3,244 $5,134 $1,520
78380 Banquete $3,232 $5,134 $1,520
78343 Bishop $3,230 $5,011 $1,520
77332 Dallardsville $3,227 $10,847 $1,112
77461 Needville $3,225 $4,188 $2,301
77350 Leggett $3,225 $10,847 $1,112
79430 Lubbock $3,220 $10,847 $1,097
79258 South Plains $3,214 $10,847 $1,052
79221 Aiken $3,208 $10,847 $1,052
77460 Nada $3,200 $10,847 $1,110
76650 Irene $3,198 $10,847 $1,109
77613 China $3,196 $4,079 $1,892
77502 Pasadena $3,187 $4,540 $2,370
75865 Woodlake $3,187 $10,847 $1,154
78393 Woodsboro $3,186 $4,318 $2,430
77587 South Houston $3,184 $4,540 $2,370
78330 Agua Dulce $3,179 $5,134 $1,520
77705 Beaumont $3,174 $3,911 $2,150
77651 Port Neches $3,156 $3,972 $2,150
75772 Maydelle $3,155 $10,847 $1,069
78351 Driscoll $3,146 $4,384 $1,520
77048 Houston $3,146 $4,117 $2,370
77627 Central Gardens $3,142 $4,079 $2,150
78387 Rancho Chico $3,138 $3,868 $2,316
77611 Bridge City $3,137 $4,204 $2,056
77989 Thomaston $3,112 $10,847 $1,110
75832 Cayuga $3,109 $10,847 $898
78352 Edroy $3,108 $3,872 $2,316
77053 Houston $3,103 $4,117 $2,464
75779 Neches $3,101 $10,847 $898
77452 Kenney $3,096 $10,847 $1,110
78377 Refugio $3,090 $3,916 $2,430
75658 Joinerville $3,088 $10,847 $895
75685 Panola $3,087 $10,847 $895
77015 Channelview $3,083 $4,117 $2,494
78961 Warrenton $3,082 $10,847 $1,110
75694 Woodlawn $3,079 $10,847 $956
75642 Elysian Fields $3,077 $10,847 $956
75688 Scottsville $3,077 $10,847 $956
77061 Houston $3,071 $3,919 $2,370
76939 Knickerbocker $3,070 $10,847 $912
76684 Ross $3,067 $10,847 $887
76654 Leroy $3,065 $10,847 $887
76623 Avalon $3,056 $10,847 $1,082
75659 Jonesville $3,055 $10,847 $956
77506 Pasadena $3,052 $4,540 $2,370
75637 Clayton $3,046 $10,847 $895
77967 Hochheim $3,045 $10,847 $1,110
77547 Galena Park $3,042 $4,540 $2,344
77545 Fresno $3,041 $3,835 $2,397
77986 Sublime $3,039 $10,847 $1,110
75666 Laird Hill $3,038 $10,847 $895
77863 Lyons $3,025 $10,847 $883
76886 Veribest $3,020 $10,847 $912
77045 Houston $3,015 $4,117 $2,355
75660 Judson $3,013 $10,847 $967
77987 Sweet Home $3,006 $10,847 $1,110
79786 Toyahvale $3,003 $10,847 $845
77085 Houston $2,996 $4,117 $2,355
77629 Nome $2,995 $4,079 $1,892
78604 Belmont $2,989 $10,847 $1,110
77047 Houston $2,988 $4,117 $2,333
78951 Oakland $2,985 $10,847 $1,110
75958 Martinsville $2,982 $10,847 $928
77049 Channelview $2,979 $4,321 $2,369
77033 Houston $2,972 $4,117 $2,441
78054 Macdona $2,961 $10,847 $836
77451 Kendleton $2,958 $4,025 $2,308
78385 Sarita $2,956 $3,916 $1,644
78952 Plum $2,955 $10,847 $1,110
79770 Orla $2,954 $10,847 $894
78379 Riviera $2,951 $5,249 $1,644
77701 Beaumont $2,931 $3,884 $2,105
77459 Missouri City $2,928 $3,460 $2,437
78871 Langtry $2,923 $10,847 $703
77017 Houston $2,923 $3,919 $2,344
77881 Wellborn $2,922 $10,847 $883
77023 Houston $2,916 $4,117 $2,248
77051 Houston $2,915 $4,117 $2,333
77012 Houston $2,915 $3,919 $2,344
77401 Bellaire $2,912 $4,540 $1,998
77417 Beasley $2,912 $3,835 $2,308
77713 Beaumont $2,912 $3,884 $1,892
77707 Beaumont $2,911 $3,884 $2,143
77044 Houston $2,909 $4,117 $2,383
77029 Houston $2,907 $3,919 $2,344
77071 Houston $2,904 $4,117 $2,263
78575 Brownsville $2,904 $4,760 $1,315
77862 Kurten $2,902 $10,847 $883
77054 Houston $2,900 $4,321 $2,134
77021 Houston $2,900 $4,321 $2,248
77703 Beaumont $2,897 $3,884 $2,105
77838 Chriesman $2,896 $10,847 $883
77852 Deanville $2,896 $10,847 $883
77035 Houston $2,895 $4,117 $2,281
77708 Beaumont $2,895 $3,884 $2,105
77025 Houston $2,892 $4,117 $2,120
77706 Beaumont $2,891 $3,884 $2,105
76564 Pendleton $2,890 $10,847 $822
77702 Beaumont $2,889 $3,884 $2,105
76558 Mound $2,889 $10,847 $868
77096 Houston $2,886 $4,117 $2,253
76599 Gatesville $2,885 $10,847 $868
77006 Houston $2,881 $4,117 $2,019
77074 Houston $2,876 $4,117 $2,101
77030 Houston $2,872 $4,117 $2,248
77031 Houston $2,871 $4,117 $2,203
77011 Houston $2,871 $3,919 $2,344
77004 Houston $2,869 $4,117 $2,239
77005 Houston $2,868 $4,321 $2,070
78341 Benavides $2,867 $10,847 $749
78594 Sebastian $2,867 $4,999 $1,315
77019 Houston $2,865 $4,321 $2,005
77003 Houston $2,860 $4,321 $2,082
76533 Heidenheimer $2,859 $10,847 $822
77098 Houston $2,859 $4,117 $1,985
77056 Houston $2,858 $4,321 $1,931
77027 Houston $2,857 $4,321 $2,012
78651 Mc Neil $2,854 $10,847 $752
77024 Bunker Hill Village $2,854 $4,321 $1,919
77498 Four Corners $2,851 $3,312 $2,159
78115 Geronimo $2,848 $10,847 $871
77477 Houston $2,847 $4,117 $1,986
77464 Orchard $2,847 $3,652 $2,308
76573 Schwertner $2,846 $10,847 $747
77630 Orange $2,846 $3,780 $2,056
77081 Houston $2,846 $4,117 $1,992
77013 Houston $2,840 $4,117 $2,344
77057 Houston $2,839 $4,321 $1,955
78135 New Braunfels $2,838 $10,847 $822
77970 La Ward $2,832 $4,353 $1,894
77315 North Houston $2,831 $5,003 $2,021
77002 Houston $2,831 $4,321 $2,082
78566 Indian Lake $2,830 $4,112 $1,315
77479 Greatwood $2,827 $3,154 $2,429
77971 Lolita $2,827 $4,604 $1,894
78673 Walburg $2,824 $10,847 $747
77063 Houston $2,823 $4,117 $1,945
77036 Houston $2,823 $4,117 $1,978
78674 Weir $2,819 $10,847 $747
77028 Houston $2,811 $4,117 $2,021
77046 Houston $2,808 $4,321 $2,012
77087 Houston $2,798 $3,919 $2,248
77336 Houston $2,797 $4,117 $1,986
77010 Houston $2,792 $4,117 $2,082
77420 Boling $2,785 $3,677 $2,031
77094 Houston $2,778 $4,540 $1,986
77469 Richmond $2,767 $3,154 $2,301
77078 Houston $2,766 $3,919 $2,021
78585 Salineno $2,764 $10,847 $724
77042 Houston $2,763 $4,117 $1,970
78049 Laredo $2,758 $10,847 $703
77471 Rosenberg $2,757 $3,006 $2,308
78526 Brownsville $2,757 $3,941 $1,315
78569 Lyford $2,753 $4,760 $1,315
77201 Houston $2,751 $4,117 $2,082
78338 Armstrong $2,748 $3,916 $1,644
77961 Francitas $2,748 $3,847 $1,894
77072 Houston $2,747 $4,117 $1,986
77050 Houston $2,743 $3,919 $2,021
77099 Houston $2,741 $4,117 $1,969
77432 Danevang $2,740 $3,928 $2,031
77016 Houston $2,733 $3,919 $2,021
77476 Simonton $2,724 $3,835 $1,546
77082 Houston $2,720 $4,117 $1,831
77489 Houston $2,710 $3,154 $2,039
78520 Brownsville $2,708 $3,729 $1,315
78593 Santa Rosa $2,701 $4,999 $1,315
77077 Houston $2,697 $4,117 $1,913
77007 Houston $2,665 $3,521 $1,833
77083 Four Corners $2,640 $3,312 $2,056
77481 Thompsons $2,635 $3,835 $1,341
77478 Sugar Land $2,634 $3,312 $1,976
77441 Fulshear $2,628 $3,479 $2,111
78363 Kingsville $2,628 $3,916 $1,445
77346 Atascocita $2,622 $3,352 $1,849
78586 Brownsville $2,619 $3,916 $1,315
77538 Devers $2,615 $4,061 $2,056
77009 Houston $2,610 $3,192 $1,988
77055 Hilshire Village $2,608 $3,194 $1,856
77467 Pierce $2,608 $3,450 $2,031
77494 Cinco Ranch $2,603 $3,652 $1,984
77977 Placedo $2,601 $3,646 $1,886
77020 Houston $2,592 $3,919 $1,172
77450 Cinco Ranch $2,591 $3,479 $2,066
77951 Bloomington $2,585 $3,646 $1,886
78559 Iglesia Antigua $2,580 $4,318 $1,315
77396 Atascocita $2,577 $3,352 $1,728
77039 Aldine $2,577 $3,194 $2,021
77582 Raywood $2,577 $3,503 $2,056
77485 Wallis $2,573 $3,312 $2,111
77632 Deweyville $2,572 $3,429 $1,880
78580 Raymondville $2,565 $3,916 $1,315
77026 Houston $2,558 $3,192 $2,021
77091 Houston $2,545 $2,985 $1,866
77455 Louise $2,541 $3,328 $2,031
77018 Houston $2,538 $2,985 $1,880
77969 La Salle $2,537 $3,403 $1,886
77093 Houston $2,536 $2,985 $2,021
77533 Daisetta $2,533 $3,867 $2,056
77092 Houston $2,532 $2,985 $1,866
77038 Houston $2,530 $3,352 $1,690
77448 Hungerford $2,530 $3,182 $2,031
77962 Ganado $2,530 $3,181 $2,031
77076 Houston $2,530 $2,985 $1,866
77080 Houston $2,522 $2,985 $1,751
77032 Houston $2,518 $3,352 $1,986
77973 Mcfaddin $2,518 $3,472 $1,679
77443 Glen Flora $2,510 $3,182 $2,031
78550 Harlingen $2,510 $3,729 $1,315
78552 Harlingen $2,510 $3,729 $1,315
77060 Aldine $2,499 $3,194 $1,690
77079 Houston $2,498 $3,041 $1,944
77345 Houston $2,497 $3,194 $1,851
77561 Hardin $2,495 $3,199 $2,056
78592 Santa Maria $2,493 $3,729 $1,315
77088 Houston $2,493 $2,897 $1,785
77037 Aldine $2,492 $2,985 $1,785
77086 Houston $2,486 $3,041 $1,739
77040 Houston $2,485 $2,897 $1,739
77014 Houston $2,482 $3,696 $1,565
77022 Houston $2,478 $2,985 $1,880
77066 Houston $2,456 $3,352 $1,739
77043 Houston $2,453 $2,985 $1,817
77339 Houston $2,452 $3,041 $1,734
77437 El Campo $2,445 $3,105 $2,031
77041 Houston $2,443 $3,352 $1,739
77064 Houston $2,418 $3,194 $1,739
77433 Cypress $2,417 $3,521 $1,569
77564 Hull $2,414 $3,341 $1,964
77067 Houston $2,414 $3,194 $1,739
77968 Inez $2,398 $3,472 $1,679
77065 Houston $2,397 $3,194 $1,739
77090 Houston $2,391 $3,352 $1,576
77988 Telferner $2,391 $3,472 $1,679
77662 Vidor $2,386 $3,780 $1,880
77488 Wharton $2,384 $2,871 $2,031
77084 Houston $2,380 $3,041 $1,739
77449 Katy $2,376 $3,041 $1,737
77454 Lissie $2,375 $3,182 $2,018
77905 Quail Creek $2,359 $3,472 $1,679
77069 Houston $2,359 $3,194 $1,660
77535 Dayton $2,357 $2,886 $1,964
77073 Houston $2,346 $3,521 $1,512
77070 Houston $2,343 $3,194 $1,660
77435 East Bernard $2,339 $2,930 $2,018
77379 Spring $2,324 $3,521 $1,611
77068 Houston $2,323 $3,194 $1,604
77095 Houston $2,322 $3,352 $1,708
76491 Woodson $2,318 $3,764 $1,230
77429 Cypress $2,313 $3,521 $1,670
77484 Waller $2,313 $3,880 $1,566
77957 Edna $2,312 $3,000 $1,886
77008 Houston $2,306 $2,985 $1,158
79247 Odell $2,305 $4,148 $1,230
77575 Liberty $2,302 $2,768 $1,964
77585 Saratoga $2,292 $4,060 $1,791
77374 Thicket $2,284 $3,867 $1,791
77338 Houston $2,283 $3,041 $1,560
77377 Tomball $2,274 $3,352 $1,588
77376 Votaw $2,264 $3,867 $1,791
77519 Batson $2,242 $3,182 $1,791
79539 O Brien $2,237 $3,764 $1,230
77388 Spring $2,232 $3,352 $1,553
79544 Rochester $2,222 $3,764 $1,230
77373 Spring $2,213 $3,194 $1,534
76483 Throckmorton $2,207 $3,185 $1,230
76379 Scotland $2,207 $3,415 $1,227
76363 Goree $2,201 $3,185 $1,230
77659 Pinewood Estates $2,199 $2,749 $1,791
76371 Munday $2,196 $3,185 $1,230
79505 Benjamin $2,195 $3,185 $1,230
79225 Chillicothe $2,194 $3,252 $1,230
77375 Tomball $2,190 $3,194 $1,487
79529 Knox City $2,187 $3,185 $1,230
76388 Weinert $2,185 $3,415 $1,230
76464 Moran $2,184 $3,584 $1,195
77389 Spring $2,170 $3,194 $1,487
79227 Crowell $2,162 $3,252 $1,230
77657 Lumberton $2,151 $2,749 $1,688
79252 Quanah $2,150 $3,185 $1,230
79533 Lueders $2,150 $3,415 $1,195
79061 Mobeetie $2,148 $3,629 $1,180
77625 Kountze $2,147 $3,029 $1,791
79547 Rule $2,142 $3,252 $1,230
76380 Seymour $2,142 $3,185 $1,230
77656 Silsbee $2,137 $3,029 $1,688
76228 Bellevue $2,134 $3,252 $1,227
76389 Windthorst $2,129 $3,185 $1,227
76373 Oklaunion $2,128 $3,185 $1,230
79230 Dodson $2,128 $3,629 $1,180
79240 Lelia Lake $2,128 $3,629 $1,180
76377 Petrolia $2,126 $3,185 $1,230
79525 Hawley $2,125 $3,252 $1,195
79018 Channing $2,124 $3,629 $1,123
79503 Avoca $2,123 $3,252 $1,195
79548 Rule $2,116 $3,185 $1,230
77960 Fannin $2,110 $3,150 $1,440
77663 Village Mills $2,107 $3,182 $1,439
79521 Haskell $2,101 $3,185 $1,230
77901 Victoria $2,097 $2,720 $1,679
78389 Skidmore $2,097 $3,828 $1,402
79098 Wildorado $2,095 $3,138 $1,180
76364 Harrold $2,094 $3,185 $1,230
76366 Holliday $2,093 $3,185 $1,230
76370 Megargel $2,093 $3,185 $1,230
79520 Hamlin $2,093 $3,185 $1,230
77904 Victoria $2,093 $2,720 $1,679
79003 Allison $2,092 $3,456 $1,180
79011 Briscoe $2,092 $3,456 $1,180
79001 Adrian $2,080 $3,294 $1,180
79094 Wayside $2,080 $3,138 $1,180
76351 Archer City $2,078 $3,185 $1,227
76357 Byers $2,078 $3,185 $1,230
76384 Vernon $2,072 $3,185 $1,230
76310 Wichita Falls $2,071 $3,185 $1,230
79044 Hartley $2,068 $3,294 $1,123
78368 Mathis $2,066 $3,828 $1,228
76430 Albany $2,062 $3,185 $1,195
79553 Stamford $2,061 $3,185 $1,230
79501 Anson $2,061 $3,185 $1,230
78107 Berclair $2,060 $3,150 $1,440
79024 Darrouzett $2,056 $3,138 $1,123
79034 Follett $2,056 $3,138 $1,123
79062 Morse $2,050 $3,294 $1,123
77963 Goliad $2,049 $3,150 $1,440
76365 Henrietta $2,035 $3,185 $1,230
78391 Tynan $2,034 $3,307 $1,402
77372 Splendora $2,031 $3,182 $1,502
79058 Masterson $2,031 $2,942 $1,123
78383 Sandia $2,026 $3,828 $1,228
79010 Boys Ranch $2,024 $2,942 $1,180
79092 Vega $2,024 $2,942 $1,180
77466 $2,020 $2,526 $1,321
79084 Stratford $2,018 $2,942 $1,123
79226 Clarendon $2,015 $2,942 $1,180
77368 Romayor $2,015 $3,029 $1,502
76305 Wichita Falls $2,014 $3,185 $1,230
79014 Canadian $2,014 $2,942 $1,123
79096 Wheeler $2,010 $2,942 $1,180
76311 Sheppard AFB $2,007 $3,185 $1,084
79019 Claude $2,004 $2,942 $1,180
79005 Booker $2,004 $2,942 $1,123
79059 Miami $2,004 $2,942 $1,123
76309 Wichita Falls $2,000 $3,185 $1,230
79237 Hedley $1,998 $2,942 $1,180
79080 Skellytown $1,995 $2,942 $1,180
76360 Electra $1,995 $3,185 $1,230
76308 Wichita Falls $1,993 $3,185 $1,230
79057 McLean $1,993 $2,942 $1,180
79039 Groom $1,991 $2,942 $1,180
79087 Texline $1,991 $2,942 $1,123
79086 Sunray $1,990 $2,942 $1,123
76302 Wichita Falls $1,989 $3,185 $1,230
79056 Lipscomb $1,987 $2,942 $1,123
79046 Higgins $1,986 $2,942 $1,123
76367 Iowa Park $1,986 $3,185 $1,230
76301 Wichita Falls $1,986 $3,185 $1,230
77612 Buna $1,983 $2,899 $1,075
77327 Cleveland $1,981 $2,886 $1,502
77369 Rye $1,980 $2,886 $1,502
79079 Shamrock $1,978 $2,942 $1,180
79097 White Deer $1,970 $2,942 $1,180
76354 Burkburnett $1,965 $3,185 $1,158
79068 Panhandle $1,964 $2,942 $1,180
79095 Wellington $1,964 $2,942 $1,180
76306 Wichita Falls $1,961 $3,185 $1,084
76250 Lindsay $1,958 $3,165 $1,149
76272 Valley View $1,955 $3,165 $1,149
79251 Quail $1,954 $2,942 $1,180
79033 Farnsworth $1,954 $2,942 $1,123
79083 Stinnett $1,953 $2,942 $1,123
77328 Cleveland $1,951 $2,749 $1,502
76239 Forestburg $1,950 $3,165 $1,149
79022 Dalhart $1,948 $2,942 $1,123
76245 Gordonville $1,946 $3,548 $1,097
79121 Amarillo $1,945 $2,942 $1,180
78563 Linn $1,945 $3,646 $1,228
79070 Perryton $1,944 $2,942 $1,123
79093 Waka $1,943 $2,942 $1,123
78543 Elsa $1,943 $3,150 $1,228
78562 La Villa $1,942 $3,150 $1,228
77423 Brookshire $1,940 $2,387 $1,321
79013 Cactus $1,940 $2,942 $1,123
79029 Dumas $1,940 $2,942 $1,123
79054 Lefors $1,937 $2,942 $1,180
79040 Gruver $1,936 $2,942 $1,123
79036 Fritch $1,933 $2,942 $1,123
79078 Sanford $1,933 $2,942 $1,123
76449 Graford $1,932 $3,489 $1,149
76265 Saint Jo $1,931 $3,015 $1,149
79065 Pampa $1,929 $2,942 $1,180
79119 Amarillo $1,928 $2,942 $1,180
76486 Perrin $1,928 $3,324 $1,149
76459 Jermyn $1,927 $3,324 $1,149
79002 Alanreed $1,927 $2,942 $1,180
79081 Spearman $1,926 $2,942 $1,123
76263 Rosston $1,926 $3,015 $1,149
77493 Katy $1,926 $2,549 $1,321
76251 Montague $1,925 $3,015 $1,149
76270 Sunset $1,924 $3,015 $1,149
79124 Amarillo $1,923 $2,942 $1,180
79012 Bushland $1,921 $2,942 $1,180
76253 Myra $1,919 $2,735 $1,149
79016 Canyon $1,917 $2,942 $1,180
76429 Caddo $1,916 $3,165 $1,149
75933 Call $1,915 $3,043 $1,075
77447 Hockley $1,915 $2,820 $1,221
76460 Loving $1,912 $3,324 $995
78538 Edcouch $1,912 $3,150 $1,228
79007 Borger $1,912 $2,942 $1,123
79111 Amarillo $1,910 $2,942 $1,180
76238 Era $1,908 $2,870 $1,149
76177 Fort Worth $1,907 $2,769 $1,348
76261 Ringgold $1,905 $2,870 $1,149
76255 Nocona $1,905 $2,870 $1,149
79178 Amarillo $1,904 $2,942 $1,180
76264 Sadler $1,904 $3,378 $1,097
79051 Kerrick $1,903 $2,669 $1,123
78142 Normanna $1,900 $2,857 $1,402
78579 Progreso $1,900 $3,000 $1,228
76259 Ponder $1,898 $3,056 $1,149
76247 Fort Worth $1,898 $3,208 $1,149
79025 Dawn $1,897 $2,942 $1,180
79045 Hereford $1,897 $2,942 $1,180
78570 Indian Hills $1,894 $3,000 $1,228
76052 Fort Worth $1,892 $2,909 $1,348
76140 Everman $1,888 $2,769 $1,348
76252 Muenster $1,887 $2,735 $1,149
76179 Fort Worth $1,887 $2,639 $1,348
75009 Celina $1,884 $3,056 $1,123
79108 Amarillo $1,883 $2,942 $1,180
76129 Fort Worth $1,881 $2,639 $1,310
75058 Gunter $1,881 $3,219 $1,097
75054 Grand Prairie $1,880 $2,898 $1,274
76226 Argyle $1,880 $3,056 $1,149
79256 Roaring Springs $1,880 $3,455 $1,052
76435 Carbon $1,879 $3,572 $1,109
76475 Strawn $1,879 $3,165 $1,149
76472 Santo $1,879 $3,165 $1,149
76453 Gordon $1,879 $3,165 $1,149
76372 Newcastle $1,878 $3,165 $995
75172 Wilmer $1,878 $3,196 $1,274
76484 Palo Pinto $1,878 $3,165 $1,149
76126 Benbrook $1,878 $2,639 $1,348
79109 Amarillo $1,877 $2,942 $1,180
76427 Bryson $1,876 $3,015 $1,149
76116 Benbrook $1,875 $2,639 $1,348
78596 Llano Grande $1,875 $2,857 $1,228
76445 Desdemona $1,875 $3,401 $1,109
76490 Whitt $1,875 $3,324 $1,149
76127 Fort Worth $1,874 $2,769 $1,347
76271 Tioga $1,873 $3,219 $1,097
78375 Premont $1,873 $3,150 $1,233
76131 Blue Mound $1,872 $2,639 $1,348
79118 Amarillo $1,872 $2,942 $1,180
75260 Dallas $1,872 $2,760 $1,274
78372 Orange Grove $1,872 $3,000 $1,233
78537 Donna $1,871 $3,000 $1,228
76108 Fort Worth $1,869 $2,639 $1,347
75251 Dallas $1,868 $2,760 $1,274
79015 Canyon $1,868 $2,942 $1,180
79091 Umbarger $1,868 $2,942 $1,180
77331 Coldspring $1,868 $2,629 $1,257
78589 Lopezville $1,866 $3,150 $1,228
78353 Encino $1,864 $3,307 $1,228
75182 Sunnyvale $1,863 $3,044 $1,274
76020 Azle $1,863 $2,769 $1,288
76225 Alvord $1,862 $3,015 $1,149
75154 Glenn Heights $1,861 $3,044 $1,244
76123 Fort Worth $1,859 $2,639 $1,348
76120 Fort Worth $1,858 $2,639 $1,348
76132 Benbrook $1,858 $2,639 $1,348
76107 Fort Worth $1,858 $2,639 $1,348
78102 Beeville $1,858 $2,857 $1,402
79566 Wingate $1,858 $3,258 $1,043
75022 Flower Mound $1,856 $3,056 $1,149
75076 Pottsboro $1,856 $3,064 $1,097
76106 Fort Worth $1,856 $2,639 $1,348
78542 Doolittle $1,856 $2,857 $1,228
79101 Amarillo $1,856 $2,942 $1,180
75166 Lavon $1,855 $3,056 $1,123
79106 Amarillo $1,855 $2,942 $1,180
75230 Dallas $1,855 $2,760 $1,274
75141 Hutchins $1,854 $3,044 $1,274
76433 Bluff Dale $1,853 $3,241 $1,109
75068 Little Elm $1,853 $3,056 $1,149
79104 Amarillo $1,853 $2,942 $1,180
76424 Breckenridge $1,852 $2,870 $1,149
79353 Pep $1,852 $3,292 $1,114
75232 Dallas $1,851 $2,760 $1,274
76105 Fort Worth $1,851 $2,639 $1,329
75241 Dallas $1,849 $2,760 $1,274
76104 Fort Worth $1,849 $2,639 $1,329
75134 Lancaster $1,848 $3,044 $1,189
75237 Dallas $1,848 $2,760 $1,274
79103 Amarillo $1,847 $2,942 $1,180
76258 Pilot Point $1,847 $2,771 $1,149
76432 Blanket $1,847 $3,401 $1,109
78516 Alamo $1,846 $3,000 $1,228
76119 Arlington $1,845 $2,639 $1,312
76112 Fort Worth $1,844 $2,639 $1,282
76230 Bowie $1,844 $2,604 $1,149
75104 Cedar Hill $1,844 $2,898 $1,239
76050 Grandview $1,840 $3,241 $1,168
76155 Fort Worth $1,840 $2,639 $1,231
77357 New Caney $1,840 $2,511 $1,321
79107 Amarillo $1,840 $2,942 $1,180
76078 New Fairview $1,839 $3,015 $1,149
76836 Doole $1,839 $3,769 $948
76135 Fort Worth $1,839 $2,639 $1,332
75180 Balch Springs $1,838 $3,196 $1,179
76117 Haltom City $1,837 $2,639 $1,253
77446 Prairie View $1,837 $2,387 $1,321
79102 Amarillo $1,837 $2,942 $1,180
79528 Jayton $1,837 $3,292 $1,097
75220 Dallas $1,836 $2,760 $1,274
79110 Amarillo $1,836 $2,942 $1,180
76443 Cross Plains $1,836 $3,102 $1,043
76071 Newark $1,835 $2,870 $1,149
75088 Rowlett $1,835 $2,898 $1,226
76180 North Richland Hills $1,835 $2,639 $1,231
75236 Dallas $1,834 $2,629 $1,274
75115 DeSoto $1,833 $2,898 $1,244
75454 Melissa $1,833 $3,369 $1,123
77365 Porter $1,833 $2,511 $1,321
76111 Fort Worth $1,833 $2,639 $1,233
76426 Bridgeport $1,833 $2,870 $1,149
75229 Dallas $1,833 $2,760 $1,274
78541 Doolittle $1,833 $2,857 $1,228
75240 Dallas $1,833 $2,760 $1,274
75270 Dallas $1,833 $2,760 $1,228
76240 Gainesville $1,833 $2,604 $1,149
75216 Dallas $1,832 $2,760 $1,274
75453 Lone Oak $1,831 $3,548 $1,168
78549 Hargill $1,831 $3,646 $1,123
76073 Paradise $1,831 $3,015 $1,149
79085 Summerfield $1,831 $2,987 $1,114
76070 Nemo $1,830 $3,086 $1,109
75093 Plano $1,829 $2,910 $1,149
76092 Southlake $1,829 $2,769 $1,348
76636 Covington $1,829 $3,401 $1,109
76114 Fort Worth $1,828 $2,639 $1,205
76137 Fort Worth $1,828 $2,639 $1,197
75474 Hawk Cove $1,828 $3,548 $1,168
76133 Fort Worth $1,827 $2,639 $1,179
79560 Sylvester $1,827 $3,135 $1,097
76627 Blum $1,827 $3,401 $1,109
75121 Copeville $1,827 $2,910 $1,123
76102 Fort Worth $1,827 $2,769 $1,233
76249 Krum $1,826 $2,910 $1,149
75038 Irving $1,826 $2,760 $1,274
76273 Whitesboro $1,825 $3,064 $1,097
78557 Hidalgo $1,825 $3,150 $1,228
76034 Colleyville $1,825 $2,639 $1,348
77371 Shepherd $1,825 $2,606 $1,257
75208 Dallas $1,824 $2,629 $1,274
76001 Arlington $1,824 $2,639 $1,288
78384 San Diego $1,824 $3,150 $1,233
76103 Fort Worth $1,823 $2,639 $1,329
75253 Dallas $1,823 $2,760 $1,274
76044 Godley $1,823 $3,241 $1,168
76864 Mullin $1,822 $3,401 $1,046
76227 Aubrey $1,822 $2,910 $1,149
75411 Arthur City $1,821 $3,724 $987
77363 Plantersville $1,821 $2,629 $1,321
76487 Poolville $1,821 $3,015 $1,149
75146 Lancaster $1,821 $2,898 $1,219
79563 Tye $1,820 $3,258 $1,043
75019 Coppell $1,820 $2,760 $1,274
75078 Prosper $1,820 $3,056 $1,123
76134 Edgecliff Village $1,820 $2,639 $1,289
76266 Sanger $1,819 $2,771 $1,149
76890 Zephyr $1,819 $3,750 $1,046
76110 Fort Worth $1,818 $2,639 $1,312
76067 Mineral Wells $1,818 $2,870 $1,149
77616 Fred $1,818 $3,043 $1,075
76182 North Richland Hills $1,817 $2,513 $1,240
76109 Benbrook $1,817 $2,639 $1,310
75052 Grand Prairie $1,817 $2,639 $1,348
75224 Dallas $1,816 $2,629 $1,274
76246 Greenwood $1,816 $2,735 $1,149
77660 Spurger $1,816 $3,043 $1,075
76450 Graham $1,815 $2,735 $995
76481 Eliasville $1,815 $2,735 $995
75928 Bon Wier $1,815 $3,043 $1,075
77624 Hillister $1,815 $3,043 $1,075
76622 Aquilla $1,815 $3,401 $1,109
76014 Arlington $1,815 $2,769 $1,110
79527 Ira $1,814 $3,135 $1,097
75207 Dallas $1,814 $2,760 $1,228
76866 Paint Rock $1,814 $3,589 $1,043
75201 Dallas $1,814 $2,629 $1,274
76148 Fort Worth $1,814 $2,639 $1,102
78332 Alice $1,813 $3,000 $1,233
79526 Hermleigh $1,813 $3,135 $1,097
75010 Carrollton $1,813 $2,910 $1,149
76463 Mingus $1,813 $2,870 $1,149
75205 Dallas $1,812 $2,760 $1,274
75424 Blue Ridge $1,812 $3,369 $1,123
76872 Rochelle $1,812 $3,589 $948
75214 Dallas $1,812 $2,629 $1,274
75181 Mesquite $1,812 $2,760 $1,274
75006 Carrollton $1,811 $2,898 $1,182
76006 Arlington $1,811 $2,639 $1,260
77364 Pointblank $1,810 $2,629 $1,152
75448 Klondike $1,810 $3,548 $1,040
76023 Boyd $1,809 $3,015 $1,149
75225 Dallas $1,809 $2,629 $1,274
76002 Arlington $1,809 $2,513 $1,335
75219 Dallas $1,809 $2,629 $1,274
75558 Cookville $1,809 $3,548 $1,013
78125 Mineral $1,808 $2,857 $1,402
75226 Dallas $1,808 $2,629 $1,274
75135 Caddo Mills $1,808 $3,378 $1,168
75242 Dallas $1,808 $2,760 $1,228
76118 Fort Worth $1,808 $2,639 $1,253
75223 Dallas $1,808 $2,629 $1,274
76458 Jacksboro $1,808 $2,604 $1,149
76054 Hurst $1,807 $2,639 $1,248
75244 Dallas $1,807 $2,629 $1,268
75173 Josephine $1,807 $2,910 $1,123
76040 Euless $1,807 $2,639 $1,231
75233 Dallas $1,807 $2,629 $1,274
79355 Plains $1,807 $2,987 $1,114
75051 Grand Prairie $1,806 $2,769 $1,232
76060 Kennedale $1,806 $2,769 $1,220
77306 Conroe $1,806 $2,820 $1,221
76452 Energy $1,806 $3,241 $1,060
76455 Gustine $1,806 $3,241 $1,060
75231 Dallas $1,805 $2,629 $1,226
76039 Euless $1,805 $2,639 $1,189
75566 Marietta $1,805 $3,548 $1,032
78577 Pharr $1,804 $2,857 $1,228
75001 Addison $1,804 $2,898 $1,263
79326 Fieldton $1,804 $2,987 $1,114
76016 Arlington $1,803 $2,639 $1,242
79358 Ropesville $1,803 $2,987 $1,114
75007 Carrollton $1,803 $2,910 $1,149
75554 Avery $1,803 $3,548 $1,013
75422 Campbell $1,803 $3,378 $1,168
75050 Grand Prairie $1,803 $2,769 $1,232
75116 Duncanville $1,803 $2,760 $1,147
79376 Tokio $1,802 $2,987 $1,114
75080 Richardson $1,802 $2,898 $1,143
76207 Denton $1,802 $2,771 $1,149
75206 Dallas $1,802 $2,629 $1,274
76077 Rainbow $1,802 $2,939 $1,109
76017 Arlington $1,802 $2,639 $1,220
76233 Collinsville $1,801 $2,779 $1,097
75412 Bagwell $1,801 $3,548 $1,013
75048 Sachse $1,801 $2,629 $1,274
79519 Goldsboro $1,801 $3,258 $1,043
75043 Garland $1,801 $2,629 $1,170
75342 Dallas $1,801 $2,760 $1,228
76852 Lohn $1,800 $3,589 $948
76690 Walnut Springs $1,799 $3,572 $1,109
75032 Heath $1,799 $2,910 $1,058
75150 Mesquite $1,799 $2,898 $1,105
75630 Avinger $1,799 $3,548 $1,032
78022 George West $1,799 $3,150 $1,228
75094 Murphy $1,799 $2,910 $1,123
75204 Dallas $1,799 $2,629 $1,274
76012 Arlington $1,798 $2,639 $1,219
76115 Fort Worth $1,798 $2,513 $1,312
76018 Arlington $1,798 $2,639 $1,181
76015 Arlington $1,797 $2,639 $1,129
77362 Pinehurst $1,797 $2,688 $1,139
75249 Dallas $1,796 $2,629 $1,256
76637 Cranfills Gap $1,796 $3,572 $1,060
76011 Arlington $1,796 $2,639 $1,194
75470 Petty $1,795 $3,548 $987
76066 Millsap $1,794 $3,015 $1,149
78539 Edinburg $1,794 $2,857 $1,228
75480 Scroggins $1,794 $3,548 $1,013
75234 Dallas $1,794 $2,629 $1,241
75414 Bells $1,794 $3,064 $1,097
76013 Arlington $1,794 $2,639 $1,189
76262 Fort Worth $1,793 $2,769 $1,261
79541 Ovalo $1,793 $3,102 $1,043
76093 Rio Vista $1,793 $3,086 $1,168
78595 Sullivan City $1,793 $3,472 $1,193
76374 Olney $1,793 $2,604 $995
79530 Lawn $1,793 $3,102 $1,043
75087 Fate $1,793 $2,910 $1,058
75071 McKinney $1,792 $2,910 $1,123
75235 Dallas $1,791 $2,629 $1,274
76055 Itasca $1,791 $2,798 $1,109
75209 Dallas $1,790 $2,629 $1,274
79259 Tell $1,790 $2,843 $1,052
75044 Garland $1,790 $2,629 $1,219
76244 Fort Worth $1,790 $2,639 $1,348
75082 Richardson $1,790 $2,760 $1,159
75020 Denison $1,788 $2,779 $1,097
76234 Decatur $1,788 $2,735 $1,149
75254 Addison $1,788 $2,760 $1,273
79540 Old Glory $1,788 $2,987 $1,097
76268 Southmayd $1,788 $2,779 $1,097
76035 Cresson $1,787 $3,241 $1,109
75203 Dallas $1,787 $2,629 $1,228
76436 Carlton $1,787 $2,939 $1,109
79063 Nazareth $1,787 $2,709 $1,114
75218 Dallas $1,786 $2,629 $1,249
76431 Chico $1,786 $2,735 $1,149
78503 McAllen $1,786 $2,857 $1,228
79381 Wilson $1,786 $2,709 $1,097
75202 Dallas $1,785 $2,629 $1,228
76010 Arlington $1,785 $2,639 $1,118
75217 Dallas $1,785 $2,629 $1,274
78355 Falfurrias $1,784 $3,000 $1,233
75089 Rowlett $1,784 $2,760 $1,274
75149 Mesquite $1,784 $2,898 $1,179
75210 Dallas $1,784 $2,629 $1,228
75966 Newton $1,784 $2,761 $1,075
76021 Bedford $1,783 $2,513 $1,191
75476 Ravenna $1,783 $3,378 $1,027
75488 Telephone $1,783 $3,378 $1,027
75137 Duncanville $1,783 $2,760 $1,191
75492 Windom $1,783 $3,378 $1,027
75479 Savoy $1,782 $3,219 $1,027
75024 Plano $1,782 $2,771 $1,149
75439 Ector $1,782 $3,378 $1,027
75415 Ben Franklin $1,782 $3,378 $1,040
75469 Pecan Gap $1,782 $3,378 $1,040
79342 Loop $1,782 $2,843 $1,114
75033 Frisco $1,781 $2,910 $1,146
75065 Hickory Creek $1,781 $2,771 $1,149
76875 Rowena $1,781 $3,258 $1,043
75450 Lake Creek $1,780 $3,378 $1,040
76043 Glen Rose $1,780 $2,798 $1,109
75246 Dallas $1,779 $2,620 $1,274
76053 Fort Worth $1,779 $2,513 $1,208
75060 Grand Prairie $1,778 $2,629 $1,136
79377 Welch $1,778 $2,987 $1,097
75189 Royse City $1,778 $2,771 $1,123
75442 Farmersville $1,778 $2,771 $1,123
75039 Irving $1,778 $2,760 $1,241
75090 Sherman $1,778 $2,779 $1,097
79738 Gail $1,777 $3,135 $1,097
79239 Lakeview $1,777 $2,843 $1,052
79324 Enochs $1,777 $2,843 $1,114
75081 Richardson $1,777 $2,760 $1,159
75567 Maud $1,777 $3,378 $1,019
75560 Douglassville $1,777 $3,378 $1,032
79082 Springlake $1,777 $2,843 $1,114
76666 Mertens $1,776 $3,241 $1,109
76660 Malone $1,776 $3,241 $1,109
76248 Keller $1,776 $2,639 $1,348
75451 Leesburg $1,776 $3,219 $1,013
75092 Sherman $1,776 $2,779 $1,097
79344 Maple $1,776 $2,843 $1,114
75573 Redwater $1,775 $3,378 $1,019
75550 Annona $1,775 $3,378 $1,013
76454 Gorman $1,775 $2,798 $1,109
78504 McAllen $1,775 $2,857 $1,228
75459 Howe $1,775 $2,918 $1,097
76474 Sidney $1,774 $2,939 $1,109
75063 Irving $1,774 $2,629 $1,269
75555 Bivins $1,773 $3,378 $1,032
75565 Mc Leod $1,773 $3,378 $1,032
76201 Denton $1,773 $2,640 $1,149
75127 Fruitvale $1,773 $3,378 $962
76022 Bedford $1,773 $2,513 $1,169
76471 Rising Star $1,773 $2,939 $1,109
79538 Novice $1,773 $3,102 $1,043
77386 Oak Ridge North $1,773 $2,511 $1,254
79261 Turkey $1,773 $2,843 $1,052
75431 Como $1,773 $3,378 $1,040
76882 Talpa $1,772 $3,589 $1,043
75160 Terrell $1,771 $3,064 $1,168
78060 Oakville $1,771 $3,000 $1,228
76880 Star $1,771 $3,086 $1,046
77664 Warren $1,771 $2,899 $1,075
76671 Morgan $1,771 $3,401 $1,109
76870 Priddy $1,771 $3,086 $1,046
76051 Grapevine $1,771 $2,639 $1,224
78501 McAllen $1,771 $2,857 $1,228
75041 Garland $1,770 $2,629 $1,162
75398 Dallas $1,770 $2,629 $1,228
76009 Alvarado $1,770 $2,798 $1,168
76652 Kopperl $1,770 $3,401 $1,109
75040 Garland $1,770 $2,629 $1,128
76937 Eola $1,770 $3,102 $1,043
75212 Dallas $1,770 $2,629 $1,228
75491 Whitewright $1,770 $2,918 $1,097
76210 Corinth $1,769 $2,640 $1,149
76084 Venus $1,769 $2,798 $1,168
75238 Dallas $1,768 $2,629 $1,153
76476 Tolar $1,768 $3,086 $1,109
79043 Hart $1,768 $2,581 $1,114
76930 Barnhart $1,767 $3,669 $912
76462 Lipan $1,767 $3,086 $1,109
76059 Keene $1,767 $2,939 $1,168
75243 Dallas $1,767 $2,629 $1,223
75472 Point $1,767 $3,378 $962
75686 Pittsburg $1,767 $3,219 $1,013
76631 Bynum $1,767 $3,241 $1,077
75248 Dallas $1,766 $2,629 $1,255
79517 Fluvanna $1,766 $2,843 $1,097
75477 Roxton $1,766 $3,378 $987
75077 Copper Canyon $1,765 $2,640 $1,149
75433 Cumby $1,765 $3,378 $1,040
79506 Blackwell $1,765 $3,172 $912
75486 Sumner $1,765 $3,378 $987
76469 Putnam $1,765 $2,682 $1,043
79373 Tahoka $1,764 $2,581 $1,097
79351 Odonnell $1,764 $2,581 $1,097
75228 Dallas $1,764 $2,629 $1,233
75227 Dallas $1,763 $2,629 $1,241
76676 Penelope $1,763 $3,086 $1,109
76457 Hico $1,763 $2,798 $1,109
75215 Dallas $1,763 $2,629 $1,228
76857 May $1,762 $3,401 $1,046
77445 Hempstead $1,762 $2,384 $1,321
75495 Van Alstyne $1,762 $2,918 $1,097
79518 Girard $1,762 $2,843 $1,097
75028 Flower Mound $1,762 $2,771 $1,149
75062 Irving $1,761 $2,629 $1,160
76208 Corinth $1,761 $2,640 $1,149
75410 Alba $1,761 $3,378 $1,044
75444 Golden $1,761 $3,378 $1,044
76205 Denton $1,761 $2,640 $1,149
76209 Denton $1,760 $2,640 $1,149
75409 Anna $1,760 $3,056 $1,123
76887 Voca $1,760 $3,420 $948
78071 Three Rivers $1,759 $3,000 $1,228
76862 Millersview $1,759 $3,258 $1,043
79504 Baird $1,759 $2,682 $1,043
78146 Pettus $1,759 $2,857 $1,283
79345 Meadow $1,758 $2,709 $1,114
76088 Weatherford $1,758 $2,870 $1,149
79543 Roby $1,756 $2,709 $1,097
79567 Winters $1,755 $2,814 $1,043
76689 Valley Mills $1,755 $3,401 $1,060
75070 McKinney $1,754 $2,771 $1,123
76649 Iredell $1,754 $3,241 $1,109
75021 Denison $1,754 $2,779 $1,097
79698 Abilene $1,753 $2,439 $1,043
79699 Abilene $1,753 $2,439 $1,043
77380 Spring $1,753 $2,511 $1,254
75061 Irving $1,753 $2,629 $1,142
75069 Fairview $1,753 $2,910 $1,123
75211 Cockrell Hill $1,753 $2,620 $1,228
75402 Greenville $1,752 $3,219 $1,168
75075 Plano $1,751 $2,771 $1,123
76008 Aledo $1,751 $2,604 $1,149

Texas home insurance rates by company

Because costs are not uniform, it's crucial to shop around for the best home insurance rate.

Many factors influence the price you pay for insurance. Among others, the Insurance Information Institute (III) cites the following:

  • Your home's square footage
  • Building costs in your area, and your own home's construction, materials and features
  • Local crime rates
  • The likelihood of certain types of disasters, such as hurricanes

So, shop around for the right policy. III suggests getting at least three price quotes when shopping for coverage, and says that doing so can save you up to hundreds of dollars annually.

Although Texas home insurance costs can be expensive, it's a mistake to cut corners in an attempt to save. III recommends that you get enough insurance to cover the costs to:

  • Repair or replace the structure of your home and personal possessions
  • Defend yourself against liability costs if someone is hurt on your property
  • Pay for a temporary place to live while your home is repaired or replaced

Here are home insurance rates by company for six coverage sets. Based on our rate analysis, you’ll see Liberty Mutual was the cheapest insurance company in Texas, followed by USAA.  Allstate and State Farm were the most expensive insurance companies for the coverage levels analyzed.

 

$200,000 dwelling/$1,000 deductible/$100,000 liability $200,000 dwelling/$1,000 deductible/$300,000 liability
Liberty Mutual $1,305 Liberty Mutual $1,313
USAA $1,386 USAA $1,386
Farmers $1,814 Farmers $1,819
Travelers $2,199 Travelers $2,220
Allstate $2,239 Allstate $2,254
State Farm $2,724 State Farm $2,739
$300,000 dwelling/$1,000 deductible/$300,000 liability $400,000 dwelling/$1,000 deductible/$300,000 liability
Liberty Mutual $1,519 Liberty Mutual $1,857
USAA $1,776 USAA $2,236
Farmers $2,649 Farmers $3,379
Travelers $2,815 Travelers $3,540
Allstate $3,338 State Farm $4,211
State Farm $3,496 Allstate $4,431
$500,000 dwelling/$1,000 deductible/$300,000 liability $600,000 dwelling/$1,000 deductible/$300,000 liability
Liberty Mutual $2,146 Liberty Mutual $2,408
USAA $2,662 USAA $3,071
Farmers $4,079 Farmers $4,735
Travelers $4,549 Travelers $5,492
State Farm $4,935 State Farm $5,884
Allstate $5,583 Allstate $6,656

Best Texas home insurance companies

The homeowners insurance company with the cheapest rates isn’t necessarily the best. Other factors to consider are customer service and claims processing. Insure.com’s 2017 Best Home Insurance Companies report ranks major insurers on feedback from 3,700 customers. They are asked about the value for the price, customer service, claims service and if they’d recommend the company.

Here are the top 10 for the Southern region of the country:

  1. USAA
  2. Chubb
  3. American Family
  4. Erie
  5. Allstate
  6. Nationwide
  7. State Farm
  8. The Hartford
  9. Travelers
  10. AIG

Texas home insurance discounts

There are several ways to reduce your Texas home insurance costs. Many insurers will lower your bill if you purchase more than one type of insurance policy from them. This process – known as "bundling" – can cut your costs by up to 15 percent, III says.

You can also cut your costs by making your home more disaster-resistant. Installing hurricane glass or accordion shutters might net you a discount.

According to III, other possible home insurance discounts include:

  • Installing smoke detectors, a burglar alarm or dead-bolt locks -- 5 percent each
  • Installing a sprinkler system, and a fire and burglar alarm -- 15 to 20 percent
  • Loyalty discounts -- up to 5 percent after three to five years, and 10 percent for six years or more

Other types of home insurance coverage you may need in Texas

Windstorm and hail

You'll have to take special steps to get protection from windstorm (including hurricanes) and hail damage if you live in any of Texas' 14 coastal counties or parts of Harris County on the Galveston bay. The specific counties are Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kennedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy.

The Texas Windstorm Insurance Association (TWIA) is a state-sponsored group that serves as the insurer of "last resort" for these areas. According to the TWIA, the coverage it provides is "similar to for-profit insurance companies in that it gives homeowners a written contract that details the coverage and restrictions of their insurance policy; policyholders make premium payments and TWIA pays claims."

If you're seeking TWIA coverage, the TDI recommends contacting a licensed insurance agent who can provide guidance. To be eligible, you have to meet certain criteria beyond location, including:

  • You must have been denied coverage by at least one insurer in the private market.
  • Properties must be certified by the TDI or TWIA as having been built to building codes.
  • If the home is in a designated flood zone, proof of insurance through the National Flood Insurance Program (NFIP) must be provided.

Do keep in mind that you can't buy TWIA insurance just before a hurricane threatens your home. The TWIA is specific: "When a hurricane enters the Gulf of Mexico (at 80 degrees longitude and 20 degrees latitude), you may no longer change or buy windstorm coverage."

The average cost for this coverage is about $1,500 per year, according to the TWIA, which adds that individual premiums will vary and are based on the characteristics of each policy. For more information, call 1-855-352-6278.

Hurricane deductibles

There are also separate deductibles for protection from hurricanes and wind/hail damage in Texas, whether you buy it from a regular insurer or the TWIA. The III and TDI note that, typically, these deductibles range from one to five percent of your home's insured value.

Flood insurance

The National Flood Insurance Program (NFIP) was created to provide property owners with flood insurance that is typically not covered under standard policies. Texas homeowners who live in flood-prone areas, like coastal communities, may need to buy this protection, which they can get through most standard insurance companies.

The TDI points out that this coverage comes with a deductible, usually ranging from $1,000 to $10,000 once a claim is made.

Something important to know: You can't purchase flood insurance after learning that a hurricane or tropical storm is approaching. Coverage becomes effective 30 days after purchase, so the NFIP recommends that you consider where you live and the risks living there, and plan ahead.

For more information, visit https://www.floodsmart.gov/floodsmart.

Earthquake insurance

The TDI notes that most polices do not cover damage from earthquakes. But it adds that most insurers offer policy endorsements to cover such damages.

The TDI says these additions tend to be fairly cheap because earthquakes are rare in the state. Trusted Choice, a trade group representing independent insurance agents in Texas, points out that there is no average rate for the coverage, which will be affected by the home's value and location.

Extra coverage and endorsements

In Texas, as elsewhere, you can buy additional coverage that's not specified on your policy. But these attachments will raise your premiums.

The III says the more typical endorsements raise coverage on your most valuable items, such as fine art and jewelry. Cameras and other expensive equipment can also be protected. Here are several other endorsements you can buy for added protection, according to the TDI:

  • Backup of sewers or drains.
  • Damage to foundation or slabs.
  • Extended or additional dwelling replacement coverage, which pays up to a determined amount if your basic policy doesn't pay enough to rebuild your home.
  • Law or ordinance coverage, which provides protection when repair costs are higher because of local building codes or ordinances.
  • Mold remediation, which covers mold damage.
  • Replacement cost-dwelling, which pays replacement cost once you fix or replace your property.
  • Replacement cost-personal property, which pays replacement costs after you repair or replace your property.
  • Water damage from a plumbing, heating, or air conditioning system. The TDI says this covers "sudden and accidental" water damage. But the TDI notes that most insurers won't provide coverage for "continuous and repeated" water damage.

Need a FAIR plan?

The Fair Access to Insurance Requirements (FAIR) Plan is a state-mandated program that can provide insurance for individuals who are having trouble protecting their property because insurers consider them high risk. In Texas, the Texas Fair Plan Association (TFPA) provides homeowners insurance when no one else will.

To qualify, homeowners much meet certain conditions.

  • Applicants must have been denied coverage by at least two insurance companies licensed to write, and are actually writing, homeowner policies in Texas.
  • Homeowners are not eligible if they already have a policy or have been given a renewal offer from a Texas-licensed insurer.
  • A qualified policyholder must reapply for coverage in the open market every two years.

The TFPA does not sell policies directly to the public and does not have agents of its own; you can only apply to the TFPA through a licensed agent.

Surplus lines carriers

For the very last last-resort, when you can't find homeowners insurance even through the TPFA, the TDI says you could consider Surplus lines carriers.

"Surplus lines carriers are out-of-state companies not licensed in Texas, but legally eligible to sell insurance to insure risks that companies in the standard market are unwilling to insure," the TDI explains. "Surplus lines carriers usually charge more than licensed companies and offer less coverage."

The TDI adds that, since these carriers aren't members of a guaranty association, your claims might go unpaid if the surplus lines carrier becomes insolvent and unable to cover claims.

Regular insurance agents must make a good effort to find coverage with a licensed company before offering you a surplus lines policy. "Ask which licensed companies turned you down, and why," the TDI advises. "Companies must tell you why they turned you down."

Cancellation and nonrenewal

An insurer cannot cancel a homeowners policy after 60 days of purchase "unless there is (evidence of) fraud, increased risk or nonpayment of premium," according to the TDI. "An insurer is required to provide 10 days notice before a cancellation. If you paid premiums in advance, they must be returned to you.

As for nonrenewal, a company must give you at least 30 days written notice before your policy's expiration. If the company fails to notify you, it must renew the policy if you want it to.

There are several reasons why an insurer may decide not to renew, including that the property has fallen into disrepair; it may require you to make repairs before renewal. Also, the TDI says nonrenewal can occur if you've filed three or more non-weather claims within three years or you file a claim for a loss not covered in your policy.

Final advice from the TDI and III: be sure to go over the specifics of policy cancellations and nonrenwal, as well as all elements of the policy, with an agent before securing homeowners insurance in Texas.

 

Methodology:

Insurance.com in 2016 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 75 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.

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