Rates by Texas Homeowners Insurance Type

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When shopping online for Texas homeowners insurance quotes you should be aware of the various types of insurance policies that are available in the "The Lone Star State" state.

Did you know that a Homeowners 3 or HO-3 policy is the most common type of homeowers policy? A Texas HO-3 policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.

For homeowners living in the south region of the country typically purchase a standard HO-3 policy. For homes that are on the coastal south areas, an additional flood insurance policy is often required. Also, because this area is prone to major wind and thunderstorms, a seperate wind and hail policy is required by some mortgage companies. If your home is on the coast, there is a good chance that you will need additional coverage protection. At GetHomeInsuranceQuotes.com, we can help you compare and review the best coverage type and protection plans.

Do you own a condo? Did you know that a separate policy, called an Homeowners 6 or HO-6 policy is written for all condoowners living in Texas. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.

If you are looking for Texas renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Texas, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Texas rates and coverage options.

Review average homeowners insurance premiums in Texas per coverage type.

Coverage TypeOverviewRatesCountrywideDifference
DWDwelling Fire Policy - slimmed down version that offers limited coverage, for example: fire and smoke only.$276$857$581
HO-1Basic 'named-perils' like fire, lightning or hail coverage on the home and personal property$1339$1149$-190
HO-2Broad 'named-perils' coverage on the home and personal property; provides coverage for more perils than HO-1 package.$1364$1110$-254
HO-3Most Common: Provides 'all-risks' coverage on the home, broad named-peril coverage on personal property. Insurance providers against risks of direct loss, except losses specifically stated in the policy, like flood damage.$1837$1095$-742
HO-5Provides 'all-risks' coverage on newer homes, more of an upscale policy.$1682$1061$-621
HO-8Older home policy which includes repair cost coverage for the dwelling where the replacement cost exceeds current market value.$0$937$937
TotalTexas's average including all coverage types$1587$1085$-502

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Average Rates Per Top 10 Cities in Texas

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