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Is home insurance required in Texas?
I live in the Lone Star State and just purchased a small ranch home on a big property. Does Texas require home insurance?
Talullah Blanco · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on the new home! Home insurance is not required in Texas by law, but your lender may require you to purchase it as a condition of your mortgage.
Texas homeowners can expect to pay $1,863 per year on average for home insurance. That’s a drop in the bucket compared to the thousands of dollars worth of damages you’d spend to repair your home after a major event (like a fire) without insurance.
Homeowners insurance is a type of property insurance that covers losses or damages to your home and your belongings in it. A typical homeowners insurance policy will provide coverage to repair or rebuild your home after events caused by a
named peril
. If you’re shopping for home insurance,
Jerry
will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles. View full answer
- Gregory R.
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