It’s true what they say: everyone is moving to Texas these days. This is likely due to how much the Lone Star State has to offer, such as a diverse population, killer BBQ spots and plenty of family fun. If you’re considering a move to Texas, the cities that likely come to mind are Dallas, Houston or Austin. However, there’s a lesser-known city that’s becoming quite the hot spot of the South that you should consider: San Antonio.

In fact, according to the U.S. Census Bureau, San Antonio’s Bexar County came in sixth in the country for county population growth from 2010 to 2019. So what exactly draws people to Alamo City, and what do you need to know about owning a home in the area? We’re glad you asked. Hippo has been servicing Texas for quite some time, so let us fill you in on everything you need to know about home insurance in San Antonio.

How much is home insurance in San Antonio?

Illustration of three houses with green doors and smoke coming out of the chimney of one

Home insurance in San Antonio costs an average of $2,944 per year, according to That’s about the same price you’d pay for 200 boat tours up and down the River Walk! While San Antonio premiums clock in a bit more than you’d pay for home insurance in Austin, it's a bargain compared to Houston home insurance, which is high due to the city's hurricane and flooding risks.

Home insurance in San Antonio costs an average of $2,944 per year. That’s about the same price you’d pay for 200 boat tours up and down the River Walk!

What factors influence my home insurance rate?

As you’ve seen, the price of home insurance in Texas can vary greatly depending on your home’s location. The same goes for where you’re located in the city, as some areas — near the San Antonio River or another body of water, for example — are riskier to insure than others. Other factors that will influence your premium include the size of your home, its current condition and its age. How you take care of it matters too, so make sure to get your HVAC system and plumbing serviced regularly.

San Antonio Home Insurance Premiums

What does homeowners insurance in San Antonio cover?

Homeowners insurance in San Antonio will cover your home’s structure (also known as dwelling coverage), personal property and liability. You might also consider additional protection for things like expensive jewelry or service lines. If you have solar panels, as many San Antonio homeowners do (SA is a Solar Star city, after all), getting solar panel insurance is a smart move.

Thankfully, getting this extra coverage is easy with insurance riders that can be added to your original policy for a separate fee. You can even get riders to protect you from specific perils, such as catastrophe insurance or extra mold coverage.

San Antonio Insurance Coverage Options

Traditional coverage


Supplemental coverage


What San Antonio residents need to know

There are plenty of unique things about San Antonio you need to know about. From the city’s area code, 210, inspiring the nickname “Countdown City,” to the weird things found at the bottom of the River Walk, there’s a lot to learn as you settle down in San Antonio. Other things to note? The city’s weather patterns, as they’ll affect what other types of home insurance coverage you may need.

While you won’t find much snow or ice in Southern Texas, the area does experience some severe weather such as tornadoes, hail and hurricanes. Because of this, adding on extra protection such as windstorm and flood insurance is definitely a good idea.

How to lower your home insurance premium

With a future job growth estimate of 40% and a median house price of around $216,000, San Antonio is a great place to save (and make) some cash. Though who doesn’t want to save a little more if they can? 

To lower your home insurance premium, we suggest installing smart home devices — so much so that we’ll even give you a smart home kit when you sign with us.

Other easy ways to save include replacing your roof, keeping up with regular maintenance and raising your deductible.

Once you’ve bought your dream Spanish Colonial home and stuffed your face with Frito pies (which were invented in San Antonio, by the way), you’ll need to get home insurance.

See how we can protect San Antonians with our modern and comprehensive home insurance policies by getting a quote today.

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