Home Insurance in Texas averaged $2,864 a year in 2023, 65% above the national average, per the NAIC, plus the rules that shape your policy.
What home insurance costs in Texas
Homeowners in Texas paid an average of $2,864 a year on a standard HO-3 policy in 2023, 65% above the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $2,762.
Texas rules worth knowing
HO-8 (older homes, repair-cost basis): $1,937 a year
