Shop Home Insurance Rates in Houston Texas

What is the cost of home insurance in Houston?

Less than half of homeowner’s comparison shop their insurance policy when it’s time to renew. The rate for homeowner’s insurance in Houston, TX is around $1,810 annually. With Freedom Insurance Group, our Texas client save an approximate of $873 yearly on homeowner’s insurance. Bundle auto insurance and save much more on your home insurance quotes.

POPULAR HOME INSURANCE COVERAGE LIMITS IN HOUSTON TEXAS

Property Coverage Level

Average Annual Rate

$200,000 Home

$1,124

$250,000 Home

$1,245

$400,000 Home

$1,534

$500,000 Home

$1,745

$600,000 Home

$1,934

$750,000 Home

$2,283

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

Houston, 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

Houston, Texas

$161

$244

$325

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 Houston, 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%


houston texas sky line

What does the standard Home Insurance Policy in Houston, 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 Houston

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 homeowners 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. 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 homeowners 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 Houston 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.

How Much is Flood Insurance in Houston, TX?

Houston, TX homeowners pay around $655 yearly for flood insurance. At Freedom Insurance Group, our Houston, TX clients pay about $433 yearly for flood insurance, which means they are saving $222 yearly!

We offer home insurance in the following Houston Texas Zip Codes

77002

77021

77040

77059

77078

77098

77384

77479

77547

77003

77022

77041

77060

77079

77099

77385

77484

77571

77004

77023

77042

77061

77080

77204

77386

77489

77573

77005

77024

77043

77062

77081

77325

77388

77492

77574

77006

77025

77044

77063

77082

77336

77389

77493

77578

77007

77026

77045

77064

77083

77338

77396

77494

77581

77008

77027

77046

77065

77084

77339

77401

77497

77584

77009

77028

77047

77066

77085

77345

77406

77498

77586

77010

77029

77048

77067

77086

77346

77407

77502

77587

77011

77030

77049

77068

77087

77354

77429

77503

77588

77012

77031

77050

77069

77088

77357

77433

77504

77598 _____

77013

77032

77051

77070

77089

77365

77447

77505

77014

77033

77052

77071

77090

77373

77449

77506

77015

77034

77053

77072

77091

77375

77450

77507

77016

77035

77054

77073

77092

77377

77459

77520

77017

77036

77055

77074

77093

77379

77469

77530

77018

77037

77056

77075

77094

77380

77472

77532

77019

77038

77057

77076

77095

77381

77477

77536

77020 _____

77039 _____

77058 _____

77077 _____

77096 _____

77382 _____

77478 _____

77546 _____

Major Neighborhoods in Houston Texas

Willowbrook

Kingwood

Greater Greenspoint

Lake Houston

Carverdale

Northside / Northline

Fairbanks / Northwest Crossing

Jensen

Greater Inwood

East Little York / Homestead

Acres Home

Trinity / Houston Gardens

Hidden Valley

East Houston

Westbranch

Settegast

Addicks / Park Ten

Northside Village

Spring Branch West

Kashmere Gardens

Langwood

El Dorado / Oates Prairie

Central Northwest (formerly Near Northwest)

Hunterwood

Independence Heights

Greater Fifth Ward

Lazybrook / Timbergrove

Denver Harbor / Port Houston

Greater Heights

Pleasantville Area

Memorial

Northshore

Eldridge / West Oaks

Clinton Park / Tri-Community

Briar Forest

Fourth Ward

Westchase

Downtown

Mid-West (formerly Woodlake/Briarmeadow)

Midtown

Greater Uptown

Second Ward

Washington Avenue Coalition / Memorial Park

Greater Eastwood

Afton Oaks / River Oaks

Harrisburg / Manchester

Neartown / Montrose

Museum Park (formerly Binz)

Alief

Greater Third Ward

Sharpstown

Greater OST / South Union

Gulfton

Gulfgate Riverview / Pine Valley

University Place

Pecan Park

Westwood

Sunnyside

Braeburn

South Park

Meyerland

Golfcrest / Bellfort / Reveille

Braeswood

Park Place

Medical Center

Meadowbrook / Allendale

Astrodome Area

South Acres / Crestmont Park

South Main

Minnetex

Brays Oaks (formerly Greater Fondren S.W.)

Greater Hobby Area

Westbury

Edgebrook

Willow Meadows / Willowbend

South Belt / Ellington

Fondren Gardens

Clear Lake

Central Southwest

Magnolia Park

Fort Bend / Houston

MacGregor

IAH Airport

Spring Branch North

Greenway / Upper Kirby

Spring Branch Central

Lawndale / Wayside

Spring Branch East


Freedom Insurance Group is Houston’s Finest Home Insurance Provider

Incorporated in 1837, Houston is the fourth largest city in the United States with a population of approximately 2 million people. The population of the greater Houston metropolitan area is approximately 5 million people.

Houston is located in eastern Texas, on Galveston Bay, near the Texas Gulf Coast. It is approximately two hours from the Texas/Louisiana border. It is unofficially nicknamed the “Bayou City” because of four bayous that run through the city. Houston’s official nickname is “Space City” since it is home to NASA’s Lyndon B. Johnson Space Center, where Mission Control is located.

The port of Houston is one of the ten busiest ports in the world and one of the busiest ports in the United States. Houston is well known for its energy (oil) and aeronautics industries and is home to the world-renowned Texas Medical Center.

houston texas city view insurance

Houston History

Houston was founded by two New York real estate promoters, John Kirby Allen and Augustus Chapman Allen, who purchased the land in 1836 and founded a town named after Sam Houston. The city was incorporated in 1837 and was the capital of the Republic of Texas until early 1839, when the capital was moved to Austin.

Some key dates in Houston’s history include:

In 1861, Harris and all of the surrounding counties voted to secede from the Union and join the Confederacy in the Civil War. Not all Texas counties followed suit.

In 1901, a major oil discovery was made at Spindletop, near Beaumont, giving birth to the oil industry in southeast Texas and Houston.

In 1914, the Houston Ship Channel was constructed along the course of Buffalo Bayou.

In 1961, the Johnson Space Center was established at Clear Lake south of Houston.

In 1965, the Harris County Domed Stadium, later called the Houston Astrodome, was completed.

Freedom Insurance Group is Proud to Serve Houston, 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 Houston, 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.

Contact Us

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

BUSINESS HOURS

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

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