How much is home insurance in Fort Worth?
Home insurance premiums vary by city and your home details. The size of the property, the coverages you choose, your home’s risk levels for crime and weather events, and the amount of your deductible can all affect how much you pay for home insurance.4
In Fort Worth, homeowners pay an average of $5,458 per year for $300,000 in coverage and a $1,000 deductible. The average annual premium for the same coverage with a $500 deductible is $5,536.
Cost of home insurance by dwelling coverage in Texas
The more insurance coverage you need for your property, the more you’ll pay for home insurance. In Texas, the average home insurance rate varies from $2,037 annually for $100,000 in dwelling coverage to $7,279 for $500,000 in dwelling coverage.
Compare average premiums by dwelling coverage limit below.
Cost of homeowners insurance by deductible amount
Your home insurance deductible is how much you’re financially responsible for when you file an insurance claim. For example, if you have a $1,000 deductible and file a $5,000 claim, you’d pay $1,000, and your insurance company would cover the remaining $4,000.
Higher deductibles result in lower premiums, as the insurance company has to pay out less on your claims. Lower deductibles typically come with higher premiums due to the opposite effect.5
See below for the average annual premiums for different deductible amounts.
Average cost of home insurance in other cities in Texas
Average insurance premiums vary based on the location of your home. This is because natural disaster risk, crime rates, weather patterns, and other factors vary by location and ZIP code. For example, home insurance in coastal cities may be more expensive than in more inland cities, since they’re more prone to hurricanes and flooding.
See below for how Fort Worth home insurance premiums measure up to other cities in Texas. Average annual premiums reflect costs for policies with $300,000 in dwelling coverage and a $1,000 deductible.
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