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Houston Home Insurance Guide 2021

Living in Houston, especially in the east and southwest suburbs, can be challenging. This is because these areas experience extreme weather conditions. We call these places risky areas because of the frequent occurrence of hurricanes and tropical storms.

Both natural events and other human causes pose a threat to your home and other valuable assets.

One way to take care of this problem is to protect your home and property by getting coverage for home insurance in Houston. You need to find a reputable insurance company and secure a policy that you are comfortable with.

For those who are new in the area or have no idea of where to start, this article contains all the information you need to know about Houston home insurance. There are different factors considered by insurance companies when determining the premium costs.

Table of Contents - Houston Homeowner Insurance

  1. Rate by insurer
  2. Rate by coverage amount
  3. Rate by ZIP
  4. Rate by the deductible amount
  5. Rate by policy bundling discounts

Homeowners Insurance in Houston by Company

The first thing to consider is the insurance company you are to buy the policy from. Different companies offer different premium rates. The companies consider different factors before they decide on the amount to charge.

In this region, Chubb Insurance Company charges more compared to other organizations. Here's a list of the top 10 most expensive insurance coverages in Houston.

Expensive Home Insurers in Houston

 

Company

Average Annual Rate

1.

Chubb

$5,894

2.

Safeco (Division of Liberty Mutual)

$4,510

3.

Texas Farm Bureau Insurance

$4,272

4.

Progressive

$4,118

5.

Liberty Insurance

$3,943

6.

UPC

$3,215

7.

AIG

$3,143

8.

Texas Fair Plan

$3,106

9.

Encompass

$3,054

10.

Tower Hill

$2,915

If you are looking for a cheaper option, try Kemper Insurance that offers affordable rates that fit any budget. Other companies that offer affordable premiums are:

Modest Houston Home Insurers

 

Company

Average Annual Rate

1.

Kemper

$1,030

2.

Lighthouse

$1,297

3.

Allstate

$1,330

4.

Garrison Insurance Company

$1,450

5.

Mercury

$1,595

6.

USAA

$1,620

7.

Mountain Valley

$1,650

8.

National Specialty

$1,810

9.

Texas Farmer Insurance

$2,120

10.

Travelers

$2,150

Average coverage level prices for homeowners’ insurance in Houston

In this section, we talk about the amount that the insurance company is to pay in the event of a disaster. You determine the coverage level as you purchase the policy for homeowner's insurance in Houston. It is recommended that you take a more extensive dwelling coverage if you have a bigger home.

To help you with that, here is a table to give you an idea of what to expect when you walk into any insurance company.

Popular Coverage Homeowners’ Insurance Rates Limits In Houston

 

Coverage Level

 Annual Rate on Average

1.

$150K

$2,150

2.

$200K

$2,650

3.

$350K

$3,800

Home Insurance ZIP Code Rates in Houston

Your insurance premium rate is dependent on your ZIP code.

This is a major factor considered when determining the premium rates. Different geographical locations have different rates. In Houston, for instance, those living in East Houston and the South East suburbs pay more.

The areas mentioned have a greater risk of experiencing tropical storm damage. Another factor considered is the frequency at which natural disasters and other human causes happen.

You should know the amount you are to pay depending on your ZIP code. Use the table below ad a good reference material.

AFFORDABLE HOMEOWNER INSURANCE AREAS IN HOUSTON

 

ZIP Code

Average Home Insurance Rate (Annually)

1.

77084- West Houston

$2,650

2.

77095- North West Houston

$2,500

3.

77015- East Houston

$3,000

4.

77099- South West Houston

$2,770

5.

77002- Downtown Houston

$2,730

6.

77587- South Houston

$2,858

7.

77381- The Woodlands

$2,630

8.

77571- LaPorte

$3,340

9.

77550- Galveston

$5,150

Deductibles of Home Insurance in Houston

Those familiar with insurance policies know the deductible amount affects premium rates. The deductible amount is the amount you are responsible for before your insurance coverage kicks in. This amount is also determined by you when buying the policy.

The rule of deductibles is that the lower the deductible, the higher the premium rates, and the higher the deductible, the lower the premium rates.

Our advice to you is that you set an amount that you can access when disaster strikes. There are incidents where someone sets a higher deductible to reduce the cost of the policy and ends up regretting it.

Here's an overview of the deductible levels and the amounts you are expected to pay.

Deductible Premium Levels for Homeowners Insurance in Houston

 

Deductible Level

Average Annual Homeowners Insurance Rate

1.

$5,000

$3,121

2.

$2,000

$2,672

3.

$1,500

$2,879

4.

$1,000

$2,951

5.

$500

$3,121

Bundling, a Money Saving Tip for Insurance in Houston

Are you looking for a money-saving insurance tip to use in Houston? Then try the bundling option. Bundling is where the home insurance policyholder purchases other policies in addition to enjoy discounts.

Many homeowners use the technique to save on the overall insurance cost. The main advantage you will get is saving money. Other advantages include having access to all your insurance records through one source, and it is easy to manage the policies.

The table below gives a list of some insurance organizations and their respective premium rates.

Affordable Home Handle Car Insurance Rates in Houston

 

Company

Average Annual Auto Insurance Rate (Bundle Inclusive)

1.

Geico

$2,896

2.

Allstate

$2,218

3.

Progressive

$2,028

4.

USAA

$1,357

5.

State Farm

$1,247

There is a lot to cover, but the above basic information will act as your guide as you choose the insurer that suits you. To get more information, visit our website https://www.quotelab.com/home.html.

Quotelab.com is an online insurance marketplace where consumers can obtain pricing information from several insurance providers at once for the optimal price, comparison, and shopping. We provide auto, home, and motorcycle insurance quotes.

It is not easy finding all the information in one source. Use the opportunity we are giving and try our services today to choose the right insurance policy and save money.