Texas encounters many natural disasters each year threatening the financial well-being of homeowners within the state.  If you call Texas home, knowing how to protect your property financially through home insurance can safeguard your household in the case of possible perils. 

How much is homeowners insurance in Texas?

The average Texas homeowners insurance policy costs around $2500 annually, which is higher than the national average. This is because of frequent natural disasters happening in Texas every year which often includes hail storms, tornadoes, hurricanes, wildfires and more. 

With the plethora of risks facing homes in Texas, it’s essential to find a good insurance company offering great coverage for the specific needs of your property. This may include protection for  detached structures, personal belongings and more. 

How to find the right home insurance company for you in Texas?

When researching insurance companies, review the coverages their policies offer to see what protections are included Some policies may only offer dwellings coverage which solely covers the structure of your home. 

Other policies may be more comprehensive and also offer coverage for your personal property and liability insurance. 

It’s great to shop around and compare prices and special promotions to find a policy priced at a point most suitable for you.  

You can even find some companies offering discounts based on characteristics of applicants outside of identification information. This can include factors such as having a home security system, bundling coverages and more.

Even though homeowners insurance in Texas is a bit costly, you can still save money in the long run by protecting your home with a homeowners insurance policy.