Nueces County, TX Homeowners Insurance Quotes

We can help you shop and compare the best home insurance rates for your home in Nueces County, TX. Our easy to use quoting application helps you review which carriers are most competitive in your area and which coverage option is best for your home, family and financial goals. Let us help you discover more affordable rates in Nueces County.

When reviewing Texas home insurance policies, Nueces County residents are finding great ways to save time and money by finding more affordable rates when they shop online. Texas may not be considered the most expensive state in the country to purchase home insurance, but it does rank higher than average at a national rank of 4. Homeowners within Nueces County are paying around $2000 for an annual home insurance policy, where the majority of the U.S. population pays around $1,249. The average home insurance rates we just mentioned reflect the cost of a standard (HO-3) homeowners insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop and compare competitive rate quotes today! Start a Nueces County home insurance quotes request by entering your zip code or Call Us 1-866-502-7287.

For all Nueces County, TX residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in Nueces County? Simply enter your zip code to get your Texas homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Nueces County, TX Housing Demographics

With 340,223 residents living within the Nueces County area there are over 141,033 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 85,270 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Nueces County.

Nueces County, TX Coastal Wind, Hail & Flood Information

For all homeowners living in Nueces County (FIPS: 48355), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Texas is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Nueces County, TX, it's important that you look into hurricane and windstorm insurance options.

Nueces County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Texas.

Helpful Articles:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

• Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

  Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

• Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

  While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

• Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

  Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

• 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

  A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

• 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

  According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

• Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022

  Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]

• Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022

  Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report,  homeowners […]

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Texas homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Nueces County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Nueces County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Nueces County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.