Homeowner Insurance Costs in Harris County, TX
How much does homeowner insurance cost in Harris County? Here's what to expect.
Est. Annual Premium
$1,294
Monthly Cost
$108
Median Home Value
$235,300
% of Income
1.8%
Typical Coverage Breakdown
Coverage Amounts
Dwelling (Coverage A)$235,300
Personal Property (C)$117,650
Liability (E)$300,000
Deductible$2,353
Cost Context
Homeownership Rate54.6%
Median Income$70,789
Property Tax Rate1.8%
Population4,726,177
About Insurance in Harris County
Homeowner insurance in Harris County, Texas costs an estimated $1,294 per year for a median-value home of $235,300. This represents approximately 1.8% of the median household income of $70,789.
Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.
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