Best & Cheapest Homeowners Insurance in Fort Worth, TX For 2024

Chubb offers the cheapest homeowners insurance to homeowners in Fort Worth, with an average annual quote of $2,274.

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Updated: 05 April 2024
Written by
Bob Phillips
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In our comprehensive review of homeowners insurance providers in Fort Worth, TX, Chubb emerges as the most budget-friendly option, with average annual rates of $2,274. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For instance, if your credit score has taken a hit, USAA stands out as the most economical choice with an average annual premium of $4,890. In contrast, if your home is on the older side, State Farm rises to the top with its competitive rates of $3,621 per year, and comprehensive coverage.

On the other hand, if you’re the proud owner of a newly constructed home, Chubb offers the most cost-effective solution at $1,996 per year. And for those who’ve had a history of claims, Mercury provides an affordable and understanding solution at $5,294 per annum.

Last, if you possess a wealth of personal property that needs protection, USAA again proves to be your best bet, offering extensive coverage at a reasonable $2,419 per year.

Our in-depth analysis at Insuranceopedia is designed to guide you toward the perfect fit for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we will provide you with all the information necessary to make an informed decision.

How much is homeowners insurance in Fort Worth, TX?

Chubb offers the most affordable rate for homeowners insurance in Fort Worth, at $2,274 annually.

As you can see below, rates in Fort Worth are more expensive than the National average. The rates are also higher than the Texas State average.

Area Average Monthly Rate
National $1,820
Texas $3,208
Fort Worth $4,092

It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

For instance, your personal driving history plays a pivotal role; a record filled with traffic violations or accidents will likely lead to higher premiums than a clean slate. The type and model of your vehicle also come into play, as high-performance or luxury cars typically cost more to insure.

Your geographical location can impact your rates, too, with densely populated urban areas generally facing higher rates due to increased risk of theft or accidents. Even your age and marital status can influence your car insurance premiums.

Cheapest Homeowners Insurance in Fort Worth, TX 2024

Our Methodology

To find the cheapest home insurance rates in Fort Worth, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Fort Worth, TX

Chubb emerges as the cheapest overall option for homeowners insurance in Fort Worth, TX, with an average annual rate of $2,274.

Company Annual Premium
Chubb $2,274
USAA $3,315
Travelers $4,030
Allstate $4,692
State farm $4,436

The cost of your policy is influenced by many factors, including location, home value, and your claims history. Chubb offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Fort Worth If You Have an Older Home

For those with older homes, State Farm offers the cheapest rates, averaging $3,621 per year.

Insurance Company Average Annual Premium
State Farm $3,621
Amica $6,608
UPC $5,746
Nationwide $6,189
AmGuard $6,108

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. State Farm offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, USAA provides the most affordable solution, with an average annual rate of $4,890.

Insurance Company Average Annual Premium
USAA $4,890
Amica $6,394
Nationwide $7,230
Allstate $9,098
State Farm $9,132

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. USAA understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Chubb offers the most cost-effective solution, with an average annual rate of $1,996.

Insurance Company Average Annual Premium
Chubb $1,996
Farmers $2,462
Travelers $2,714
Allstate $3,630
State Farm $3,101

New constructions often require different coverage compared to older homes, and Chubb excels in providing affordable policies tailored to these specific needs.

Cheapest Home Insurance In Fort Worth for a History of Claims

For homeowners with a history of claims, Mercury provides an affordable solution, with an average annual rate of $5,294.

Insurance Company Average Annual Premium
Mercury $5,294
UPC $11,307
Nationwide $10,318
Amica $10,904

A history of claims can raise red flags for insurers, often leading to higher premiums. However, Mercury believes in second chances and offers reasonable rates for those with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a wealth of personal property, USAA offers the cheapest rates, with an average annual rate of $2,419.

Insurance Company Average Annual Premium
USAA $2,419
Travelers $4,106
State Farm $4,467
Amica $4,494
Allstate $4,708

The more personal property you have, the higher your coverage needs, which can increase premiums. USAA provides extensive coverage at reasonable rates, ensuring all your belongings are adequately protected.

Best Homeowners Insurance Companies in Fort Worth, TX

Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Fort Worth’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Fort Worth, TX. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
Farmers $3,649
Amica $4,365
Chubb $2,274
USAA $3,315
Universal $2,352
Travelers $4,030
Allstate $4,692
State farm $4,436

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Fort Worth, TX can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Fort Worth, along with the five cheapest and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
76137 $3,286
76123 $3,099
76119 $3,182
76116 $3,432
76108 $3,234
76112 $3,044

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
76164 $2,961
76112 $3,044
76114 $2,970
76134 $3,060
76177 $3,089

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
76155 $3,572
76116 $3,432
76179 $3,508
76105 $3,360
76103 $3,349

Average Home Insurance Rates in Fort Worth, TX by Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Fort Worth, TX. Here’s how the average home insurance rates fluctuate for different deductible amounts:

Deductible Amount Annual Rate
$500 $3,276
$1,000 $3,061
$2,000 $2,740
$5,000 $2,381

Average Home Insurance Rates in Fort Worth, TX By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $2,754
$250,000 $3,067
$300,000 $3,467
$350,000 $3,885
$400,000 $4,501

Average Home Insurance Rates in Fort Worth, TX by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Fort Worth:

Company Annual Premium
Farmers $3,649
Amica $4,365
Chubb $2,274
USAA $3,315
Universal $2,352
Travelers $4,030
Allstate $4,692
State farm $4,436

How Much is Homeowners Insurance for Other Cities in Texas?

The following is a  detailed comparison chart that showcases the cheapest companies and their annual premiums across various cities in Texas.

City Annual Premium
Odessa $3,346
Amarillo $3,830
Dallas $3,600
Corpus Christi $4,596

Getting Online Homeowners Insurance Quotes in Texas

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

FAQs

Who has the cheapest home insurance in Fort Worth, TX?

The cheapest home insurance in Fort Worth, Texas, is provided by Chubb, with an annual premium of $2,274

What is the average cost of home insurance in Fort Worth, TX?

The average cost of homeowners insurance in Fort Worth, Texas, is approximately $4,092 per year.

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