5 Best El Paso Homeowners Insurance Companies (2025)
Amica, State Farm, and USAA offer some of the best homeowners insurance policies in El Paso.
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Home insurance in El Paso costs an average of $1,868 per year for $300,000 in dwelling coverage with a $500 deductible.
This is significantly cheaper than some other Texas communities, including Austin, Brownsville, and Galveston. Yet El Paso faces its own challenges, including year-round weather hazards like cold snaps, hailstorms, and wildfires. Some El Paso homeowners also live in flood zones, and even earthquakes aren’t out of the question.
These weather hazards can play a role in the price you pay for coverage in El Paso. Here’s what you should know about getting home insurance in the area.
Quick Facts
El Paso’s location away from the Gulf Coast protects it from hurricanes and helps keep home insurance rates lower.
At $1,944 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, El Paso home insurance is much lower than the Texas statewide average of $4,140 per year for the same coverage levels.
El Paso homeowners should consider purchasing flood insurance and earthquake insurance alongside their standard homeowners policies.
Best home insurance companies in El Paso
The Texas homeowners insurance industry has plenty of high-quality insurance companies with strong financial ratings, discounts, and customer service reputations. Finding the best insurer for you will depend on your unique needs.
As you begin your search, here are some top companies for you to consider.
State Farm: Best for car-owning households
Amica: Best for customer service
USAA: Best for veterans and military families
Travelers: Best for cheap rates
Allstate: Best for new homes and new buyers
Our editorial team analyzed regional and national home insurance companies that sell policies in El Paso to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in El Paso?
On average, home insurance in El Paso costs $1,944 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is lower than many other parts of the state, thanks to El Paso’s lower cost of living and the fact that it’s not on the Gulf Coast. Its distance from the Gulf Coast protects the area from hurricanes. But your rate may vary based on your unique circumstances.
Insurance companies use your ZIP code, credit, claims history, and more to set your rate. Your home’s replacement cost will also make a big difference in your premium. So will the coverage options you select, your proximity to emergency services, and the emergency detection devices equipped in your home.2
Cheapest home insurance companies in El Paso
The companies in the table below offer the cheapest home insurance in El Paso. You can see their rates for several levels of dwelling coverage.
How much homeowners insurance do you need in El Paso?
Every homeowners insurance policy has several components, each of which you should tailor to your home in El Paso.
Dwelling coverage
Dwelling coverage pays to repair damage to your house or replace it if it’s destroyed — provided that your policy covers the cause of the damage (such as a fire or windstorm).
Make sure that your dwelling coverage limit is at least 80% of the replacement cost of your home. An amount below 80% could leave you without enough coverage in the event of a disaster.
You should also check which perils your policy covers and which perils are specified as policy exclusions. You should also know what your policy says about perils that the policy doesn’t specifically name.
Additional coverage options on a typical homeowners policy
Eight types of home insurance are available, each of which offers different ranges of damage coverage. Additional coverage options on these policies include the following:3
Personal property coverage: Personal property coverage protects your belongings and furniture, even when they’re not in the house.
Other structures coverage: Other structures insurance protects garages, sheds, and other structures not attached to the house.
Additional living expenses coverage: Loss of use coverage helps pay for rent and other living costs while your home gets rebuilt or repaired during an insurance claim.
Liability coverage: Liability insurance pays for medical expenses, legal fees, and property damage if you hurt someone or their property, or someone is hurt on your property.
Additional insurance policies to consider buying
Flood insurance: Standard homeowners policies rarely cover flood damage. It’s a smart move to get a flood policy anywhere in El Paso — especially if you live in a flood zone. You can buy a policy through the National Flood Insurance Program (NFIP) or some private insurers.
Earthquake insurance: Most standard home insurance policies exclude earthquakes. While El Paso’s risk may not be high, an earthquake could still be possible.
What to know about home insurance in El Paso
Home insurance in Texas is more expensive than in many other parts of the country. Rising property values, the increasing cost of building materials, and more frequent and severe natural disasters, including rainstorms, tornadoes, and hurricanes, are all driving up Texas homeowners insurance costs.
Because of these elevated and compounding risks, some of the country’s largest insurance companies have stopped writing new home insurance policies in Texas.
Relative to the coastal areas of the state, though, El Paso is in a slightly better position. It’s not at an extreme hurricane risk. Yet El Paso homes are still vulnerable to damage from windstorms, hail, severe thunderstorms, wildfires, tornadoes, and cold snaps. Most standard home insurance policies cover damage from these perils.
Some neighborhoods in El Paso are especially vulnerable to floods. If you have a mortgage and your home is in a flood zone, you’ll probably be required to purchase flood insurance. You can refer to the National Flood Insurance Program (NFIP) for subsidized policies if your home is in a flood zone.
Even if you’re outside of a designated flood risk area, it’s a good idea to consider purchasing a separate flood insurance policy for your home, as most standard home insurance policies don’t cover floods, and lots of flood damage still happens outside of designated flood zones.
Average cost of home insurance in other cities in Texas
Texas home insurance prices vary widely depending on the city and region. On the coast, where storm damage and flood risks are highest, home insurance rates are extremely expensive. Even within El Paso, some ZIP codes are at greater risk of water or wind damage and will command higher premiums as a result.
Here, you can see the average annual premium for several different Texas communities. All premiums are for $300,000 in dwelling coverage with a $1,000 deductible.
El Paso homeowners insurance FAQs
If you still have questions about homeowners insurance in El Paso, check out the additional information below as you research your coverage options.
On average, home insurance in El Paso costs $1,944 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. But you may also want to purchase flood insurance or earthquake insurance as separate, secondary policies. Doing so will increase your total home insurance costs.
Republic Indemnity offers the cheapest homeowners insurance in El Paso, with an average monthly premium of $65. But the cheapest insurer for you will depend on a variety of factors.
If you’re part of a military family and qualify for USAA, it’s probably your best option for home insurance in El Paso. Otherwise, Travelers and State Farm have affordable rates. Amica’s customer service is also highly rated.
The coverage limits on your home insurance policy should be at least 80% of the replacement cost of your home, according to the 80% rule. If your limit falls below 80% of your home’s full replacement cost, your insurer could reduce the amount it’ll pay on a claim.
Texas allows insurers to use insurance credit scores when setting rates. This means a good credit history might get you a better quote on your home insurance policy, while a bad credit history could increase your costs. Insurance companies value credit scores differently, so it’s essential to compare quotes.
The national average annual home insurance premium on a $300,000 house is $2,532. Rates in El Paso are slightly lower, with the average annual premium being $4,140. But many factors affect home insurance premiums, from ZIP code to flood risk and deductibles.
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