Shop Quotes For Spring Texas Home Insurance Rates

How Much Does Spring, TX Homeowners Insurance Cost?

In Spring, TX the standard cost for homeowner’s insurance is about $1,197 a year,  At Freedom Insurance Group, our clients see a significant saving each year on their home insurance.


Coverage Level Average Annual Rate
$200,000 Home Value $1,148
$250,000 Home Value $1,254
$400,000 Home Value $1,627
$500,000 Home Value $1,833
$600,000 Home Value $1,945
$750,000 Home Value $2,120


*Information retrieved from the Texas Department of Insurance from Help Insure and averaged with internal data.

Spring, TX Auto and Homeowners Insurance Bundling Discounts Average rates

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Spring Texas $129 $218 $318


Most companies consider these things when deciding on your premium:

  • Your home’s age and condition. Companies can’t turn you down just because of your home’s age or value, but they can charge you more.
  • Your home’s replacement cost. Houses with higher replacement costs have higher premiums.
  • Construction materials. Premiums are higher for houses built completely of wood. They’re lower for houses built of brick or stone.
  • Where you live. Premiums are higher in areas that have more storms or crime.
  • Availability of local fire protection. Premiums are lower for houses that are close to fire stations.
  • Your claims history. Your premiums might be higher if you’ve had claims in the past.
  • Your insurance score. Some companies use your credit score to decide what to charge you. Your premiums will be lower if you have good credit.

Home Insurance Discounts Available in Spring, TX

Home Discount Name Home Discount Description Discount Amount
New Home New Construction Recently Purchased up to 40%
Age of home 5 Years Old up to 26%
Bundle Home And Auto up to 25%
Upgrades Electrical, plumbing, heating, roof full updates up to 20%
Age of home 10 Years Old up to 13%
Construction type Fire Resistive up to 11%
Advance Purchase 7 Days Advance Purchase up to 8%
Loyalty 10+ Years Renewal up to 8%
Construction type Masonry up to 7%
Paid in Full Paid in Full up to 7%
Loyalty 5 Years Renewal up to 6%
Fire Sprinklers Sprinklers up to 9%
Claims Free 5 Year Claims Free up to 5%
Claims Free 10+ Year Claims Free up to 5%
Hail Resistant Roof Hail Resistant Roof (class 1,2,3,4) up to 12%
Loyalty 3 Years Renewal up to 5%
Fire Alarm Central Station up to 2%
Gated Community With Patrol up to 2%
Burglar Alarm Police Department up to 4%
Burglar Alarm Central Station up to 4%
Age of home 15 Years Old up to 4%
Water Safety System Water Leak Detection – Shut Off And Alarm up to 4%
Water Safety System Water Leak Detection – Shut Off up to 3%
Gated Community Without Patrol up to 2%
Water Safety System Water Leak Detection – Alarm up to 3%
Automatic payments Electronic Fund Transfer up to 3%
Burglar Alarm Local up to 1%
Fire Alarm Local up to 1%
Age of home 20 Years Old up to 2%
Smoke Detector Smoke Detector up to 1%
Fire Extinguisher Fire Extinguisher up to 1%
Storm Shutter Storm Shutters up to 1%
Deadbolt Deadbolt up to 1%


What does the standard Home Insurance Policy in Spring, TX Include?

Homeowners insurance offers coverages with the goal of protecting your home, personal belongings, and your liability in case your home becomes damaged to a peril/loss including a visitor’s medical fee, fire, robbery /vandalism, etc. Policies vary, but take a look at some of the most usual coverage choices below:

  • Dwelling Coverage (A): this protects your home’s physical structure, for instance, your home’s foundation, roof, and walls. It can even protect structures that are linked to your home such as a deck, detached garage, or patio. Dwelling coverage is an important coverage for homeowner’s insurance.
  • Other Structures Coverage (B): whereas the principal structure of your home is covered by dwelling coverage, structures that are not linked to your home will require other structures coverage to stay protected. This encloses decks, detached garages, sheds/shops, etc.
  • Personal Property Coverage (C): protects against damaged personal possessions that happen from particular perils including fires, theft, or vandalism. Each policy differs and what is or isn’t covered will depend on your insurance company. For more costly objects such as art or jewelry, you may need extended coverage options.
  • Loss of Use/Additional Living Expenses Coverage (D): should a covered peril generate a circumstance in which your home is unlivable, this coverage aids you pay for where you temporarily live while waiting for your home to be rebuilt to a habitable state.
  • Personal Liability Coverage (E): this coverage is to protect homeowners against possible medical expenses that can accumulate should a visiting party become injured on your property and you are found responsible. Personal liability coverage can also cover possible legal fees related with the injury.
  • Medical Expenses Coverage (F): within your homeowner’s insurance policy, it helps to cover the essential medical bills of a guest in your home should they become hurt while visiting your property. Medical expenses coverage can even help balance costs if you are not responsible.

Supplementing Your Homeowners Insurance Policy in Spring

There are several perils your home may face that aren’t covered by your standard home insurance policy. Through endorsements, additional coverage options, and changing your homeowner’s insurance policy, you can gain even more protection. Take a closer look at some of the options you have when searching for additional protection and speak with an agent to find the best options for your needs:

  • Flood Insurance- Floods continue to devastate cities across Texas and the United States and you may be surprised to learn that flood damage is not covered by your homeowners insurance. The Dallas, TX, region has a moderate risk of flooding over the next 30 years according to Flood Factor making it a threat to residents in the area. As many as 1 in 4 flood claims come from homeowners who live outside of high-risk areas. Adding flood insurance helps protect against a common threat to your home by helping you restore flood-related losses.
  • Umbrella Insurance- Liability protection is important for every homeowner but for those with more to lose, it is a critical component. In the event of a lawsuit, your assets could become vulnerable without the right protections in place. Avoid losing what you’ve worked hard for by purchasing umbrella insurance that can cover your valuables after you’ve reached your policy limits.
  • Scheduled Personal Property Coverage- Your homeowner’s insurance policy will protect your personal belongings, but there are policy limits. If you are looking to protect valuables like jewelry and fine art with values that exceed your coverage, this endorsement can help protect your high value or unique items
  • Extended Replacement Cost- Although not all losses are completely devastating, some are and can exceed the amount of coverage you have for your home. For example, one of the rarest perils a homeowner may face is also the most expensive, a house fire. If you suffer a total loss and require replacing your possessions and rebuilding your home, extended replacement cost coverage can help you cover losses outside of your homeowners insurance’s coverage.

The Secrets to Saving on Home Insurance in Spring Texas

If you’re a homeowner, chances are you’re going to want to save money on your home insurance policy. A home is your shelter and your investment. Putting a significant amount of money into your home is a great financial move, but you’ll also need to protect your interest. Home insurance policies differ from homeowner to homeowner. This is due to several reasons including your coverage needs, personal factors which affect your premium, and characteristics of your home, just to name a few. But saving on a home insurance policy is the shared dream of all homeowners. Your dream can be a reality through these easy to follow tips:

  • Compare your rates among a variety of insurance brands. Each insurance brand will assess your risk differently which leads to differing insurance premiums. By shopping around you can find the right company for your needs.
  • Bundling: your home insurance policy with your auto insurance
  • Increase your deductible for a lower home insurance premium.
  • Install improvements to your home that increase its ability to sustain natural disasters, prevent crime, or keep your household safe. (Examples: Hurricane grade storm shutters, security systems, a fire alarm system with sprinklers, etc.)
  • Loyalty discounts: Customers who stay with the same insurance company for a long time are rewarded with discounts.
  • Near a fire hydrant/fire station: The closer you are to a fire hydrant and also the fire station, the faster fires can be put out, earning you a discount.
  • New home: New homes typically are built with stronger safety innovations, making claims less costly.
  • High-quality roof: Hail and wind damage are among the top reasons homeowners file a claim. A sturdy roof can lower your premiums. (Of course, it lowers your heating bill and looks nice, too. Sweet!)
  • Tidy yard: When insurance reps visit your property, they like to see it looking spiffy. Neatly trimmed grass, shrubs, and trees lower fire risk and show the insurance company that you care about your property. Discount!
  • Avoid recreational hazards: A home without a pool or trampoline is at much less of a risk of a claim, earning you a discount on your coverage.

There are plenty of ways to save money on your policy and seeing as every homeowner needs this protection, it only makes sense to receive it at the lowest rate. Texas has some of the highest home insurance rates in the country making it imperative for homeowners to take the necessary steps to save money. Shop around, bundle when you can, and do your part in protecting your home for the best results.

The benefits of allying with Freedom Insurance Group for Home Insurance in Spring:

At Freedom Insurance Group, we are convinced that getting first class home insurance should be easy and inexpensive. We shop 25+ quality Insurance companies to find a policy that suits your necessities and finance without ever bargaining on coverage.

We compare and shop your home insurance with our multiple insurance carriers in pursuit for the best coverage and value.

We want our customers to always save on home insurance, so yearly when it’s time to renew, we’ll re-shop and rate your policy to find the best rate for you. You’ll never overpay for insurance again when you choose Freedom Insurance Group!


Zip Codes in Spring, TX That Freedom Insures




Resident Resources in Spring

Police Department in Spring Fire Department in Spring
420 Lockhaven Dr,

Houston, TX 77073


646 E Louetta Rd,

Spring, TX 77373



Major Neighborhoods in Spring

Abramswoods Acacia Park Alden Bridge Hollylaurel Alden Bridge Woodlands
Alden Trace Aldine Alexan Exchange Apartments Alexis
Altwood/Lansdowne Alvin A Klein Auburn Lakes Augusta Pines
Bacopa Bay Belcourte/Bonny Branch Bella Sera Benders Landing
Bending Bough Bethany Bend Birnam Wood-Fairfax Birnam Wood III
Birnhamwood Borough Park Bradbury Forest Brentwood Lakes
Bridgestone Bristol Lakes Candlelight Canoe Bend
Canopy Canyon Lakes At Legends Ranch Carlton Woods Cascade Canyon
Cedar Edge Champion Forest Champion Lake Champions Trail
Chandler Creek Colony Creek Village Copper Sage Country
Coventry Covington Bridge Creekside Forest Creekside Park
Creekside Village Cricket Circle Crossroads CW Creekside
Cypressdale Cypress Forest Cypress Trace Cypress Trails
Cypress Villas Cypresswood Devonshire Dove Meadows
Dulcet Hollow Eagle Mead Enchanted Oaks Enclave/Wrights Landing
Estates Creek Estates Of Legends Ranch Estates of Legends Trace Fairfax Village
Farmette Meadows Five Oaks Forest North Forest Point
Forest Ridge Forest Village Founders Reserve Fox Hollow
Fox Run Garnet Bend Ginger Dr Gleannloch Farms
Glen Mill Glenn Haven Estates Gosling Pines Gosling Rd
Gosling Road Grand Park Market Place Greengate Grogan’s Mill
Grogan’s Point Hampton Creek Hannover Harmony
Havergate Hawthorne Drive Hayden’s Run Hazelcrest
Herald Oaks Hideaway Highland Glen Hollymead
Holzwarth Rd to Whitewood Dr Houston Hunting Imperial Oaks
Jagged Ridge Kleinwood Kuykendahl Rd Lakes At Avalon Village
Lake Voyager Lamesa Hwy Laurel Park Ledgestone
Legacy Point Legends Run Lenox Hill Lexington Woods
Liberty Branch Liberty Park Linton Ridge Lockeridge Farms
Londonderry Maple Glade/Greenvine Maple Terrace Max Conrad Dr
McKenzie Park Meadow Hill Run Memorial Chase Memorial Creek
Memorial Estates Memorial Northwest Memorial Park Mercer
Middlecoff Middlecreek Village Mirror Lake Mossy Oaks
Normandy Forest Northampton Northcrest Village North Gate Crossing
North Hill Estates North Hills North Panther Creek Drive North Spring
Northway/Green Bridge Northwood Park Northwood Pines at Northgate Nursery
Oak Falls Oakhurst Dr Oakmont Village Oak Moss
Oak Ridge North Oakwood Glen West One Westfield Lake Paloma Cove, Paloma Grove
Paloma Pines Paloma Point Park at Meadowhill Park at Research Forest
Postwood Preserve Pruitt Rayford
Regan Mead Reserve at Klein Rhodes Landing Blv Riley Fuzzel Rd
Sandpiper Sawdust Sawmill Ranch Sciaaca
Shaded Arbor Shadowlake Forest Shadow Valley Shale Creek
Shannon Forest Shawnee Ridge S North Winterport Circle Spincaster
Sterling Gate Estates Sterling Pond Sterling Ridge West Stone Creek Courts
Stone Forest Stuebner Airline Rd Summerlyn Sundance
Sylvan Forest Taylor Point TC Jester Blvd Terra Nova
Terranova West The Chancel The Sanctuary The Woodlands
Thrushwood Tiffany Meadows Timbercrest Village Timber Lakes
Timberlane Timber Ridge Timberwild Trailing Vine Place
Tupelo Park Twin Falls Veranda Ridge Village of Panther Creek
Villages of Northgate Crossing Villages – Senterra Lakes Vistas at Klein Lake Webb Creek-Woodlands
Wedgemere West Alden Bridge Westwinds Wilde Creek
Wilding Estates Willowick Forest Willow Trace Wimbledon
Windrose West Windsor Forest Woodbriar Place Wood Farm
Woodland Meadows Woodson’s Reserve Wyngate Terrace Wynnoak


Freedom Insurance Group is Proud to Serve Spring, Texas

Knowing you’re protected with the right coverages can bring you peace of mind. Finding the right coverages for the lowest price will deliver the protection you deserve while keeping money in your pocket. Freedom Insurance Group understands and helps find homeowners throughout Spring, Texas, the right coverage options for their needs at the lowest cost possible.

We get to know our clients to better understand their needs. Each homeowner’s needs are different and by creating a custom approach to your insurance needs we can prevent gaps in your coverage while saving you the most amount of money.

Our agents work for you by comparing your coverage needs among more than 25 top-rated insurance companies with strong financial ratings and a range of coverage options. By comparing your coverage among multiple brands, we can build a custom coverage option for you and your home that doesn’t break the bank. Contact us today or get a free home insurance quote with only a few clicks of a button.

Freedom Insurance specializes in the following Texas Insurance Services:


Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769


M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed