How Can I Make My Austin, TX Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Austin, TX by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your Austin, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $82,500 $70,000 $75,000-$100,000
2 Bedroom $211,500 $180,000 $200,000-$250,000
3 Bedroom $260,000 $210,000 $200,000-$250,000
4 Bedroom $219,000 $200,000 $175,000-$200,000
5 Bedroom $535,000 $490,000 $500,000-$600,000

Bundle your Austin, TX Auto & Home Insurance from the Same Company | Back to Top

Austin, TX Car Insurance Austin, TX Home Insurance
Details Porsche, 911 Carrera 4 5 Beds, 3 Baths, 2350 Square Feet worth $359500
Insurance Rates Individually $1,856.25 $5640
Savings from buying both from the same company $1,124.44

Choose your Austin, TX Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $7,088
Hail Damage $5,587
Wind Damage $10,316
Expensive Claims
Fire $35,329
Accidental Discharge/Leakage $8,453
Optional Coverage Losses $7,908

Identify Top Home Insurance Agents near Austin, TX | Back to Top

Home Insurance Company Austin, TX Homeowners Insurance Agency Austin, TX Address Popularity Score Distance from Austin (miles)
Allstate Fleming & Conway Agency 3435 Greystone Dr Ste 107, Austin, TX, 78731
3.5
State Farm Stuart Nalewaik 503 Oakland Ave Ste B, Austin, TX, 78703-5113
2.4
State Farm Leslie Lybarger 30 Gruene Park Dr, New Braunfels, TX, 78130-2460
44.8
State Farm Nancy Britain 7500 W Highway 71 Ste 102, Austin, TX, 78735-8242
8.8
Farmers Drake Besheer 5910 Courtyard Dr Ste 160, Austin, TX, 78731
4.0
Travelers Heaton Bennett Insurance 3933 Steck Ave Ste B119, Austin, TX, 78759
4.6
State Farm Dick Cohalla 11005 Burnet Rd Ste 114, Austin, TX, 78758-4440
6.4
Travelers Sotelo Insurance Agency 12593 Research Blvd Ste 202, Austin, TX, 78759
8.6
Farmers Lynn-Marie Bonds 8700 Manchaca Rd Ste 203, Austin, TX, 78748
9.2
State Farm Karen Hall 7004 Bee Cave Road, Austin, TX, 78746-5067
5.0

Compare Rates for Austin, TX Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $128,000 $740 $490 $1,140 $650
Hays County, TX $174,100 $960 $630 $1,480 $850
Austin, TX $216,700 $890 $590 $1,370 $780
Lost Creek, TX $453,400 $1,630 $1,080 $2,510 $1,430
Bee Cave, TX $522,400 $1,570 $1,040 $2,420 $1,380
Lakeway, TX $372,700 $1,230 $810 $1,890 $1,080
Jonestown, TX $136,600 $740 $490 $1,140 $650
Buda, TX $187,000 $800 $530 $1,230 $700
Hutto, TX $140,500 $810 $530 $1,250 $720
Dripping Springs, TX $226,600 $1,180 $780 $1,820 $1,040
Bertram, TX $107,000 $490 $320 $750 $430
Kingsbury, TX $150,900 $650 $430 $1,000 $570
Southwest Bell, TX $169,400 $680 $450 $1,050 $600

Research Home Insurance Companies Reviews in Austin, TX Before Buying | Back to Top

Share a review on your home insurance company


GEICO Home Insurance Reviews

Date: December 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The deductible is at a reasonable price and premium is also at a reasonable price when I selected the deductible. As I mentioned I did not compare much with other insurance companies.

Date: September 16, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
Geico offered a cheaper premium than most other companies I looked into. It was several hundred dollars cheaper. I do also bundle my car insurance with it, so that helped some.

Date: September 13, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
When I need them they are responsive. They have good hours to call and text and I've never had a problem in getting someone to help me.

Date: September 13, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
For the most part, customer service has been good. They seem to read from a script a lot but I get answers to my questions when I ask them.

Date: September 12, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
They are easy to reach, never have long wait times on the phone and are very friendly. I've never experienced an issue with them.

Date: August 26, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I didn't shop around much because this was included in a bundle with auto insurance and I trust Geico. I think it's about average for the area.

Date: August 24, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
It is functional, clean and easy to use. I can quickly navigate it to find what I'm looking for. Also, it works when I need it to work.

Date: August 23, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
Their website and app are very user-friendly. It's no frills, right to the point. I like that I don't have to log in to pay my bill. I also like that I can access my insurance cards easily.

Date: June 08, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
They keep me updated on any changes or things I should be aware of. I don't like that they send me paper advertisements a lot. I'm already a customer of them, so they shouldn't need to bother me with advertising.

Date: November 18, 2017    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
It covers house coverage, installable and personal property such as clothes furniture appliances and so on.


State Farm Home Insurance Reviews

Date: December 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
The insurance company's policy offerings are better for me because I have been a long time customer and they give me perks. I am satisfied.


Date: November 12, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
I have coverage for my main dwelling, detached structures, and contents. I have coverage for named perils such as wind, fire, theft, and earthquake. I have liability coverage of 100,000 and coverage against identity theft as well.


Date: October 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
The dwelling, loss of use and any medical payments. Basically, they will replace the home.


Date: August 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
It works fine but can be hard to navigate sometimes. I have a hard time finding the information I need.

Date: July 31, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
They are very easy to work with. If anything, they are sometimes a bit too friendly!

Date: December 22, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I got multiple quotes, State Farm was in line with all the other companies. I think they were fair and have a good reputation.

Date: November 27, 2017    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Communication
One thing they do that annoys me: I signed up for e statements and notices, but I still get mail from them every month or two. I'd really like to get everything electronically.

Progressive Home Insurance Reviews

Date: December 05, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
They were cheaper compared to other companies. I am not sure if this means the price may go up later on. It was only a couple hundred dollars cheap than other companies.

Date: September 28, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
It's extremely easy to use. When paying my bill or browsing for options everything is neatly placed where I can find them easily.

Date: July 30, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
All personal property as well as the dwelling and any sheds on the property.


Date: July 24, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Customer Service
Like before, I have searched many insurance companies and none of them compare in price and coverage.

Date: May 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
I had a problem with my auto insurance through this company and I gave them a ring and everything was sorted out immediately.

Date: November 18, 2017    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Premium
I haven't been able to find a better price for home insurance anywhere else.

Allstate Home Insurance Reviews

Date: May 24, 2019    Age: 30 to 39    Gender: Married    Marital Status: Female

Premium
I wish I didn't have a deductible, but deductible is what I choose so it's not really comparable as far as that. All deductibles throughout most insurances are the same.

Date: April 05, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
My premium and deductible are better priced/lower than any other home insurance policy that I've used. They offer different options so you can choose the one that you can afford.

Date: February 09, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
customer service for allstate is very good you can call them anytime and the are very helpful. I love their service

Blue Cross Blue Shield Home Insurance Reviews

Date: December 31, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
The deducatible and premium are pretty great and cheap compared to most policies that I have seen. I am eventaully going to have to switch providers when I move and I am not looking forward to it.

Liberty Mutual Home Insurance Reviews

Date: September 08, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I have never filed a claim with my home insurance company in over twenty years, and they never check in with me to review my coverage.

The Hartford Home Insurance Reviews

Date: July 01, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
COMPARED TO OTHER INSURANCE PROVIDERS MY HOME INSURANCE COMPANY IS BEST BECAUSE MY COMPANY PROVIDE MANY POLICY THAT WAS STATISFIED TO THE CUSTOMERS.


Amica Mutual Insurance Home Insurance Reviews

Date: November 17, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Premium
The premium was significantly lower that my previous insurance company as well as those that I researched to do comparison shopping. The deductible was the same because I used it as a parameter.

9 Ways to Get Discounts on Homeowners Insurance in Austin, TX

What Makes Your Austin, TX Home Insurance Cheap or Expensive