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%

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 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.