Average Homeowner Insurance Rates for Houston, Texas
| Average Annual Insurance Rate |
| $2885 |
The Cheapest Homeowner Insurance Rates for Houston, Texas
The Most Popular Home Insurance Providers in Houston, Texas
Does credit score affect Houston home insurance rates?
| Credit Score |
Average Annual Insurance Rate |
| bad |
$3700 |
| average |
$2885 |
| good |
$2480 |
Yes! Your credit rating can impact the price you pay for Houston homeowners Insurance up to
$1220 per year. Our analysis shows Houston home insurance shoppers with poor credit will pay up to
49% higher rates than shoppers with good credit. Poor credit shoppers will pay rates that are
33% higher than people with average credit and average credit rate shoppers will pay
16% higher rates than shoppers with good credit.
Does Building Construction affect Houston home insurance rates?
| Construction Type |
Average Annual Insurance Rate |
| frame |
$3155 |
| Stucco/Hardie |
$2889 |
| Brick Veneer |
$2780 |
Your home construction style may also impact the price you pay for Houston homeowners Insurance up to
$375 per year. Houston home insurance shoppers with frame style construction pay up to
13% higher rates than homes made with brick while homeowners with homes constructed with Stucco or Hardieboard will pay
4% higher rates than homes made with Brick Veneer.
Is homeowners insurance higher for older homes in Houston?
| Residence Age |
Average Annual Insurance Rate |
| 1 Year(s) Old |
$2000 |
| 10 Year(s) Old |
$2780 |
| 35 Year(s) Old |
$3115 |
Your home age impacts the price you pay for Houston homeowners Insurance up to
$1115 per year. Houston home insurance shoppers with older homes pay
56% higher rates than new homes while homeowners with homes less than 30 years old will pay
39% higher rates than new construction homes.