Homeowners Insurance in Houston, TX

Homeowners in Houston, Texas, whether they are native or “Newstonians”, have it all. With excellent schools, a solid healthcare system and warm weather year-round, the fourth largest city in the nation is a great place for families. Houston also has a booming job market and an affordable cost of living, making the journey to owning a home easier for first-timers.

An essential part of owning a home is protecting it with home insurance. Whether you want to buy land and build your own home or purchase a townhome in the city center, Hippo can get you the protection you need. Our guide below covers all things home insurance in Houston so you can feel comfortable planting roots in the Space City. 
 

How much is home insurance in Houston?

Home insurance in Houston costs $4,363 per year on average, according to Insurance.com. For this price, you can buy season tickets to see the Houston Texans play for up to three years. This is a bit more than the average Texas home insurance premium of $2,128, and significantly higher than the national average of $1,200.

What factors influence my home insurance rate?

If you’re purchasing a home for the first time, you may not know that home insurance varies by location. Houston has more expensive home insurance premiums than other major Texas cities like Dallas, San Antonio and Austin because it’s the biggest city in the state and close to beautiful beaches on the Gulf of Mexico. Unfortunately, Houstonites must deal with the hurricane risk that comes with living near the water.

What does home insurance in Houston cover?

Homeowners insurance in Houston covers your dwelling, personal property and other structures on your property. This means if a tree falls on your home during a hurricane, damaging your walls and your collection of Astro's memorabilia, your insurance provider will assist you in financing replacements and repairs needed. 

Home insurance also covers liability in case someone gets injured on your property. Liability may include medical payments, the injured party’s property damages and legal fees if you’re sued. 

What Houston residents need to know

Houston is an affordable city to own a home in when compared to other metro areas in the nation, but residents should be mindful of its proximity to the Gulf Coast. With hurricane season lasting from June through November, flood insurance is crucial to protect your family from catastrophic loss. Living in a city also comes with inherent risks, like package theft and other petty crimes. Adding extra theft protection to your Houston homeowners policy can give you peace of mind.

How to lower your Houston home insurance premium

While the cost of living in Houston is relatively low, Texas’s average home insurance premium is the third most expensive in the country. It may be possible to reduce your insurance rate by making your home safer; that way, insurance companies see you as a lower risk.

Lowering your home insurance premium involves an initial investment, but the price will save you money long-term. You can install smart home technology, add a security system, add wind-resistant upgrades and update your roof and/or HVAC system if they’re over 20 years old.

Here at Hippo, we’re proud to call the Lone Star State home to nearly a quarter of our national team. We understand the specific needs that come with living in this region, and we offer enhanced coverage options to protect the homes of Houstonians. Want to learn more? Call us to discuss our unique and modern home insurance policies.