Texas Home Insurance

“Home on the range” doesn’t have to be sparse, rough, or tumble, and neither should your homeowners insurance policy. Whether you’re looking to buy your first ranch house, a condo in the city, or something in between, you’ll rest easy knowing you have a good homeowners insurance policy to back you up. The Simple Dollar has compiled the basic facts, data, regulations and resources to support consumers in their quest for knowledge and the tools to compare homeowners insurance rates, understand the market, and get a handle on their insurance needs.

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Stats in Your State

To get a better sense of the Texas housing market, compare the cost of homeowners and renters insurance in Texas, and the risks posed to homeowners, read on through the charts below.

Homeowner Insurance Premiums

Considering the natural disasters many Texans face – tornadoes, floods, hurricanes, fires – on a yearly basis, it’s no wonder that the average Texas home insurance premium has often been roughly double the national average during the mid-2000’s.

Renter Insurance Premiums

While not as dramatic as the difference in homeowners insurance premiums, renters insurance in Texas is still well above the national average.

Existing Home Sales

At nearly 600,000 home sales, the Texas housing market peaked in 2006 to coincide with the housing market bubble. Following this was a sharp decline over the second half of the decade.

Flood Insurance in Region

Though many think of it as a desert or prairie state, Texas still suffers from its fair share of flooding. Nearly 250 claims were filed for flood damage during the year beginning October 1, 2011.

Homes Built

Texas has expanded and increased its population immensely in the second half of the twentieth century, with roughly three quarters of its residential buildings constructed after 1960.

Rules in Your State

The rules for homeowners insurance are clearly defined by the Texas Department of Insurance Consumer Bill of Rights. The TDI has also recently held hearings allowing for comment and input from consumers and insurers as to revising and re-wording the bill of rights to be more specific and consumer-friendly.

Texas Department of Insurance Consumer Bill of Rights

The Consumer Bill of Rights provides a list of Texans’ rights regarding homeowners and renters insurance.

Representatives & Resources in Your State

Consumers have a strong advocate in the Texas Department of Insurance. Check through their website for more information and guidance on how to start a formal complaint against an insurer or simply learn more about the rules in your home state.

Texas Department of Insurance Ombudsman
P.O. Box 149104
Austin, Texas 78714-9104
[Phone] 512-475-1776
[Fax] 512-475-2025

Texas Department of Insurance
333 Guadalupe
Austin, TX 78701
[Phone] 512-463-6169
[Toll Free] 1- 800-252-3439
Get Directions
Consumer Resources
TDI Contact Information

Price Comparison and Rate Guide
Homeowners Insurance Price Comparisons / Rate Guides
Texas offers this home comparison tool that provides you with sample rates.

Disaster Relief and Claims
FEMA Region 6 Contact Information
Contact your regional FEMA office with disaster relief or claim question you have.