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Texas Home Insurance Rates |
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Home Insurance Rates in Texas are the highest in the nation. It's been that way for years and it is still true. You can blame it on hurricanes, hail, windstorms, flood or whatever you want but the rates are still the highest in the country. |
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If you want to get the best available rates, you will need to get quotes from several insurance companies. A good independent insurance agency can provide you with quotes from providers who can give you the best insurance coverage. |
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One way to get the best rates is to take advantage of discounts. There are usually home insurance discounts when home and auto policies are combined with the same insurance provider. You may also get discounts for having a monitored alarm, metal roof or a claims-free history. |
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When comparing rates between companies, it is important to note that Texas does not have a standard form policy so coverage can really vary widely from company to company. Especially in the 14 coastal counties around Houston, some policies may not cover windstorm or hail damage. A good independent insurance agency can guide you to the best coverage for the money. |
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| Here are the states with the highest average homeowners insurance premiums in 2006, according to a national study. 2006 is the most recent year for which figures are available. |
| Texas |
$1,409 |
| Florida |
$1,386 |
| Louisiana |
$1,257 |
| Oklahoma |
$1,018 |
| Mississippi |
$998 |
| California |
$937 |
| Massachusetts |
$925 |
| Rhode Island |
$919 |
| Alabama |
$894 |
| Connecticut |
$878 |
| National average |
$804 |
| Source: National Association of Insurance Commissioners |
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