Texas Home Insurance Costs (2026)

How much is home insurance in Texas?

The 4 major insurers we compared across Texas are USAA (military families only), State Farm, Safeco and ASI (American Strategic Insurance). Some of the lowest prices for our sample Texas home came from USAA, which sells only to military members, veterans and their families ($194 a month on average), and State Farm ($482). Prices for the same house vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for yours, so compare a few quotes.

That $640 is a sample price for one fixed house, averaged across 1,019 Texas ZIP codes in 179 counties, so the gaps on this page come from the insurer and the location, not from the house.

The Texas average of $7,674 a year is 147.5% higher than the average of the 50 states and D.C. for the same house ($3,101 a year, or $258 a month). Only Florida averages more.

For the same insurers and ZIP codes, the Texas home average rose 5.8% over the past ten months, from $605 to $640 a month. That’s about $418 more a year than in November 2025 for the same coverage. Over the same months, State Farm’s average rose 14.2% and ASI’s 20.4%, Safeco’s didn’t change, and USAA’s (military families only) fell 37.1%.

Homeowners insurance averages by insurer in Texas for our sample home (rates as of Sept. 30, 2026)

USAA (military families only) averaged $194 a month ($2,330 a year), State Farm $482 ($5,781), Safeco $743 ($8,920) and ASI $1,130 ($13,559) for our sample home across Texas.

ASI’s average ($1,130 a month) is more than twice the other insurers’ average. It stays in our figures; without it, the Texas average would be $475 a month ($5,701 a year).

Each insurer’s price for the same house moved a lot across the state. State Farm’s ran from $2,187 a year in El Paso’s 79936 to $18,070 in Galveston’s 77554, and ASI’s from $6,331 in Laredo’s 78045 to $52,848 in Galveston’s 77550.

What changes your price: your home’s value, roof, deductibles, claims and credit, where in Texas you live and whether you add a car. Across Texas, both the insurer and the ZIP code move the price a lot, so compare quotes for your address.

What does a Texas homeowners policy cover?

A standard homeowners policy packs six coverages into one price, and all six are inside the $7,674-a-year Texas average for our sample home.

• Dwelling ($300,000): repairs or rebuilds the house itself, roof and walls included, after a covered loss.
• Other structures ($30,000): a detached garage, fence or shed.
• Personal property ($150,000): your belongings, from furniture to clothes.
• Loss of use ($30,000): extra living costs, such as a rental, while a covered loss keeps you out of your home.
• Personal liability ($300,000): covered claims and legal defense if you’re responsible for someone else’s injury or property damage.
• Medical payments ($5,000): smaller medical bills for an injured guest, typically without anyone proving fault.

Say a spring hailstorm in North Texas wrecks the roof and the repair runs $20,000. With the $1,000 deductible we priced, the policy would pay up to $19,000, depending on the roof’s age and the policy’s roof terms. If your policy has a separate 2% wind and hail deductible, you’d pay $6,000 of that claim yourself.

On the Gulf Coast, a home policy may leave wind and hail out entirely; see wind on the Texas coast. Flood and earthquake damage generally need separate policies.

What is the 80% rule in homeowners insurance?

Most companies require you to insure your house for at least 80% of its replacement cost, the cost to rebuild it, according to TDI. If you carry less, the insurer can pay only part of a partial loss, even one far smaller than your limit. People also call it the 80/20 rule or coinsurance.

How it works on our sample house: we priced $300,000 of dwelling coverage. Say the house would cost $300,000 to rebuild: 80% of that is $240,000. If a kitchen fire does $40,000 of damage, a $300,000 or $240,000 limit pays the repair in full, minus the $1,000 deductible. A $180,000 limit is 75% of the $240,000 required, so under a typical 80% clause the insurer could pay about 75% of the repair, $30,000, before the deductible. Your policy states its own rule.

How the 80% rule can change a $40,000 repair on our sample house (illustration, before the $1,000 deductible)

Rebuild cost isn’t your home’s price: replacement cost and market value are not the same, according to the National Association of Insurance Commissioners (NAIC). Market value includes your land, and a home policy pays to rebuild the house, not to replace the lot, so the right limit can sit well above or below what you paid.

Keep it current: a $300,000 limit meets the 80% rule for a house that would cost up to $375,000 to rebuild. Our Texas average of $640 a month is for that $300,000 limit, and a higher limit generally costs more. Raise your limit after a renovation or an addition, and ask your insurer how it figures your rebuild cost.

Same house, different state: how does Texas compare?

Because the house never changes, these comparisons show how much the state moves the price.

The same sample home costs $640 a month to insure in Texas, $497 in Louisiana, $474 in Oklahoma, $320 in Arkansas and $232 in New Mexico. Florida is the only state where it costs more, at $852 a month.

Same sample home: average home insurance prices in Texas, nearby states and the 50 states and D.C. (rates as of Sept. 30, 2026)

Same sample house in every row. For the state with the highest average, see home insurance costs in Florida.

Does home insurance cover wind on the Texas coast? TWIA explained

Not always. On the Gulf Coast, a home policy might not cover wind and hail damage, according to TDI. If yours leaves them out, you can buy that coverage from TWIA, the insurer the state created for the coast.

Who TWIA covers: TWIA serves the 14 first-tier coastal counties (Aransas, Brazoria, Calhoun, Cameron, Chambers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy) and the part of Harris County east of Highway 146, which takes in La Porte, Morgan’s Point, Pasadena, Seabrook and Shore Acres. TWIA covers dwellings up to $1,773,000, and you usually need a turndown and a windstorm certificate to buy a policy (below). It had 288,676 policies in force on June 30, 2026. Our highest-priced Texas ZIP code, Seabrook’s 77586 ($1,742 a month for our sample home), is in that part of Harris County.

Don’t wait for a storm: TWIA won’t sell a new policy while a hurricane is in the Gulf, according to TDI. After damage, you have one year from the date of the loss to file a TWIA claim.

What our coastal prices show: In the 14 coastal counties, the 4 insurers’ averages for our sample home ranged from $577 a year (USAA, military families only) to $18,292 (ASI), about 32 times as much. Among insurers anyone can buy from, ASI’s coastal average was about 4.2 times Safeco’s $4,397. Prices that far apart for one house suggest the insurers aren’t all covering the same risks. Our data shows each insurer’s price, not what it covers, so we compared each insurer’s coastal price with its own price in the rest of Texas.

Our assessment of wind coverage in coastal prices for our sample home (rates as of Sept. 30, 2026)

Coast means the 14 coastal counties; rest of Texas leaves out those counties and Harris County.

Why we grouped them this way: A full policy that includes hurricane wind would normally be expected to cost more on the coast than inland, not less. USAA (military families only) averaged $577 a year on the coast, 72.2% lower than its $2,075 a year elsewhere in Texas, and Safeco’s coastal $4,397 a year was 45.1% lower than its $8,015 a year elsewhere. Next door in Harris County, where TWIA covers only the area east of Highway 146, USAA (military families only) averaged $4,970 a year and Safeco $17,394. So we think these two insurers likely leave wind and hail to TWIA in the coastal counties. State Farm’s coastal average ($9,473 a year) was 83.2% higher than elsewhere in Texas ($5,170 a year), and ASI’s ($18,292 a year) was 40.3% higher than its $13,042 a year elsewhere, which fits prices that likely include wind.

This is our assessment, not a fact from the insurers. Our data doesn’t say what each price covers, and an insurer’s rules can differ by ZIP code and by house. When you compare quotes for a coastal home, ask whether each one includes wind and hail. If one doesn’t, add the price of a TWIA policy before you set it against a quote that does.

Why the coast looks only a little pricier on average: Our 14-county coastal average, $682 a month, is 6.7% above the Texas average of $640 and well below Harris County’s $913. It mixes prices that likely include wind with prices that likely don’t, so it likely understates what a coastal home costs to insure once a separate TWIA policy is added. Our price requests also placed every house 10 miles from the coast, so these figures don’t reflect beachfront or bayfront homes. Among the five coastal counties where we priced the most ZIP codes, the average ran from $462 a month in Cameron County to $989 in Galveston County.

Condo and renters on the coast: Condo prices show a similar split. Allstate’s coastal condo average ($5,152 a year) was more than 6 times its average elsewhere in Texas ($803 a year), and ASI’s was also higher on the coast, while Safeco, USAA (military families only) and State Farm charged less on the coast than inland. State Farm’s condo pattern differs from its home pattern, so we can’t tell whether its coastal condo price includes wind. For renters, Safeco’s coastal average ($103 a year) was well below its $255 a year elsewhere.

The FAIR Plan on the coast: The Texas FAIR Plan can’t sell wind and hail coverage where TWIA is available, so some coastal homes need both a FAIR Plan policy and a TWIA policy, according to the Texas FAIR Plan Association.

Is windstorm insurance worth it in Texas?

On the coast, it’s often the main way to insure the house against hurricane wind and hail. If your home policy leaves them out, a TWIA policy covers them; without one, that damage would be yours to pay. TWIA sells only in the 14 coastal counties and part of Harris County, so homes in inland counties such as Travis, Dallas and Bexar don’t need it: there, wind and hail are usually covered by the home policy itself, often with their own deductible.

What do you need to buy a TWIA policy?

• A home in the TWIA area: one of the 14 coastal counties, or part of Harris County east of Highway 146 (in cities such as La Porte, Pasadena and Seabrook).
• A turndown: proof that a Texas-licensed insurer that writes wind and hail on the coast declined to cover your home. A policy that simply leaves wind out, or a higher price, doesn’t count, and TWIA asks for new proof every three years.
• A windstorm certificate: a certificate of compliance (form WPI-8) from TDI showing the house meets the windstorm building code. Homes built before 1988 generally don’t need a WPI-8, though they may need other building paperwork, and repairs or additions made since 1988 do need certification.
• A separate flood policy: TWIA covers wind and hail only, so flood needs its own policy.

TWIA’s board voted to file no rate change for 2026 policies, and on Aug. 4, 2026, it voted the same for 2027.

How to find cheaper home insurance in Texas

No single insurer has the lowest price for every Texas home, so comparing is the biggest lever. These are the steps most likely to change your price; only quotes show by how much.

Compare at least three insurers: For our sample home, the 3 insurers anyone can buy from averaged $482 to $1,130 a month statewide, and each one’s price changed from ZIP code to ZIP code. If you’re in a military family, include USAA, which sells only to military members, veterans and their families and averaged $194.

Use the state’s comparison site: TDI’s HelpInsure site (helpinsure.com) lets you compare Texas home insurance policies and rates.

Choose your deductibles on purpose: A higher deductible, or a percentage deductible for wind and hail, usually lowers the premium. But on our sample home, a 2% wind and hail deductible means paying the first $6,000 of a storm claim, so only a quote shows whether the lower price is worth it to you.

Ask about roof discounts: Roof coverings are tested and rated Class 1 to Class 4, and a Class 4 roof would receive the highest premium credit from insurers that offer one, according to TDI. FORTIFIED is a storm-resistant building standard from the Insurance Institute for Business & Home Safety. In September 2026, TDI issued a bulletin encouraging insurers to recognize FORTIFIED roofs and other steps that reduce storm damage in their rates; it doesn’t require a discount.

Keep small claims off your record: Three or more non-weather claims in three years can be a reason an insurer won’t renew a Texas policy, according to TDI, so weigh paying for small repairs yourself.

On the coast, compare like with like: a quote without wind and hail, plus a TWIA policy, is the total to set against a quote that includes them.

Consider buying home and car together, with care: If you also insure a car, see car + home for how a multi-policy discount might apply.

How much is renters insurance in Texas?

Renters insurance for our sample renter averages $18 a month ($218 a year) in Texas, 14.8% below the average of the 50 states and D.C. we priced for renters ($256 a year). Texas ranks 15th-lowest of those 51 places, so renters is the one line we priced where Texas costs less than most of the country.

Some of the lowest renters prices for our sample renter came from USAA, which sells only to military members, veterans and their families ($12 a month on average), and State Farm ($19). Among insurers anyone can buy from, prices were close: State Farm averaged $19 a month, and ASI and Safeco $21 each.

Renting in Texas? That’s about 3% of what our sample home costs to insure here.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 4,051 sample prices by 4 insurers across 1,019 Texas ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

For the same insurers and ZIP codes, the Texas renters average held about steady over the past ten months; the monthly figure is $18 either way. Among the 10 Texas cities with the most ZIP codes priced, the renters average ran from $15 a month in Amarillo to $22 in Houston, and by ZIP code the yearly average ran from about $161 in parts of Williamson and Hays counties, including Georgetown and San Marcos, to $292 in Houston’s 77007.

Renters insurance averages by insurer in Texas for our sample renter (rates as of Sept. 30, 2026)

USAA (military families only) averaged $12 a month ($141 a year), State Farm $19 ($231), ASI $21 ($247) and Safeco $21 ($255) for our sample renter.

ASI’s renters average covers 994 of the 1,019 ZIP codes; in the other 25, it said it isn’t accepting new business in that county.

What does renters insurance cover that your landlord’s policy doesn’t?

Your landlord’s policy generally covers the building, not your belongings or your liability. Renters insurance isn’t required by Texas law, though a landlord can require it, according to TDI.

Our sample renter policy covers belongings up to $40,000 after a covered event such as a fire or theft, plus up to $4,000 for temporary housing if a covered loss makes the apartment unlivable. Liability ($300,000) can pay covered claims and legal costs if a guest is hurt in your apartment, and medical payments ($1,000) handles smaller injury bills for guests. In Texas, that whole package averages $18 a month for our sample renter.

Many renters policies limit some items, such as $100 for cash, $500 for jewelry and watches and $2,500 for business property, according to TDI, so ask about added coverage for valuables.

Is renters insurance more expensive in Houston?

Yes, a little. For our sample renter, it averages $22 a month in Houston, against $18 a month ($218 a year) across Texas and $16 in Austin and El Paso, with rates as of Sept. 30, 2026. USAA (military families only) averaged $12 statewide; among insurers anyone can buy from, averages ran from $19 to $21.

Does renters insurance cover floods in Texas?

No. Standard renters policies generally don’t cover flood; separate flood coverage for belongings usually starts 30 days after you buy it (FEMA). Texas landlords must tell you if they know the rental is in a 100-year floodplain or has had flood damage in the past five years (Texas Property Code).

How we got these renters prices: each insurer’s average across the Texas ZIP codes it priced. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Texas

The home price uses rates as of Sept. 30, 2026 and the car price is the latest one on our car insurance page. They come from two different examples (the house we priced and our sample 40-year-old driver), so they are separate prices, not a combined price for one policy.

The same insurer has to write both policies, and not every insurer writes both home and car insurance. Depending on the insurer, the discount may apply to one policy or both, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways. On the coast, a separate TWIA wind policy is priced on its own.

See Texas car insurance rates · How bundling home and auto insurance works