Best homeowners insurance in Fort Worth, TX (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Fort Worth.

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By

Rachael BrennanSenior Editor & Licensed Insurance ExpertRachael Brennan is a licensed auto insurance expert and a former senior editor at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|4 min read

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Fort Worth is known for its rodeos, stockyards, and rich legacy of jazz and blues. Many residents are drawn to the Fort Worth-Dallas metro area for educational, cultural and work activities. Fort Worth home insurance rates tend to be higher than most areas of the country, but there are still plenty of affordable coverage options for area residents.

The average cost of homeowners insurance in Fort Worth is $3,258 per year or $272 a month. This is around 12% higher than the statewide average of $2,919 per year, and about 86% higher than the national average of $1,754. 

Compare home insurance rates in Fort Worth

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Compare the best cheap homeowners insurance companies in Fort Worth

Based on our findings, State Farm, Farmers, Nationwide, Progressive, and Texas Farm Bureau are the best home insurance companies in Fort Worth.

To find the best cheap homeowners insurance in Fort Worth, Policygenius rated over a dozen of the largest insurance companies in Texas across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$249

4.8 out of 5

Farmers

$41

4.5 out of 5

Nationwide

$574

4.5 out of 5

Progressive

$551

4.5 out of 5

Texas Farm Bureau

$49

3.9 out of 5

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance is one of the best overall home insurance providers in Fort Worth thanks to statewide availability, large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • High customer satisfaction and financial strength ratings

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • 20% more complaints filed with the NAIC than other companies of its size

  • No discounts for first-time homebuyers

More detailschevron icon

Why we chose State Farm

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly-rated home insurance to homeowners in most parts of the country, including Fort Worth.

While some of its competitors may not have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How do State Farm home insurance rates compare to the Fort Worth average?

The average cost of State Farm home insurance in Fort Worth is $2,983 per year, which is about 9% cheaper than the average annual premium in Fort Worth of $3,258.

How to get a quote

Online through State Farm

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • 12+ discounts to save on rates

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers home insurance stands out against competitors thanks to its 17 available discounts and policy perks. For context, Farmers competitors offer an average of around seven discounts total.

Along with several discount offerings and affordable rates, Farmers also offers the following two key policy perks:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How do Farmers home insurance rates compare to the Fort Worth average?

The average cost of Farmers home insurance in Fort Worth is $497 per year, which is around 555% cheaper than the annual citywide average of $3,258.

How to get a quote

Online through Farmers

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2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.

Pros and conschevron icon

Pros

  • Multiple high-quality coverage options

  • Highly rated for claims satisfaction with J.D. Power

Cons

  • Below-average customer satisfaction and digital experience ratings

  • Won’t cover Airbnbs or other short-term rentals

More detailschevron icon

Why we chose Nationwide

Nationwide is known for it's robust policy options and large selection of coverage add-ons, such as flood coverage and options to rebuild your roof with stronger materials after a covered loss, making Nationwide a smart choice if you live in a Fort Worth area at risk for extreme weather or natural disasters. While Nationwide’s average home insurance rate of $6,885 is among the most expensive in our top company analysis, it has several discount options available that can trim those high costs.

How do Nationwide home insurance rates compare to the Fort Worth average?

The average cost of Nationwide home insurance in Fort Worth is $6,885 per year, which is around 52% higher than the annual city average of $3,258.

How to get a quote

Online through Policygenius or Nationwide

award icon

2024 Policygenius award winner

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Why we chose itchevron icon

Progressive offers robust home insurance coverage and ways to save. Our fave perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros and conschevron icon

Pros

  • Save up to 20% when you bundle your home and auto insurance

  • Bundling perks include single-deductible claims and streamlined bill payment

  • User-friendly app to manage and update policy

Cons

  • Below-average claims satisfaction ratings

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

More detailschevron icon

Why we chose Progressive

Progressive shines for its industry-best home and auto insurance bundling perks. Insure both your home and car with Progressive and you’ll not only score a huge discount, but you’ll only have to pay one deductible if your home and car are damaged in the same incident. This means if a tornado or hurricane knocks a tree over onto your home and car, you’ll only be on the hook for one deductible.

How do Progressive home insurance rates compare to the Fort Worth average?

The average cost of Progressive home insurance in Fort Worth is $6,614 per year, which is about 50% more expensive than the average annual premium in Fort Worth of $3,258.

How to get a quote

Online through Policygenius or ASI Progressive

Texas Farm Bureau

Farm Bureau Financial Services logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Texas Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance to save money on rates.

Pros and conschevron icon

Pros

  • Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021

  • Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster

  • Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau

Cons

  • Rates are $1,400 more expensive than the national average

  • Need to have a Farm Bureau membership to purchase insurance

More detailschevron icon

Why we chose Texas Farm Bureau

Texas Farm Bureau offers a complete line of insurance products — from auto, home, life, commercial, and ranch, allowing you to have all of your policies with one company. Farm Bureau is a great option for Fort Worth residents looking for personalized customer care and recommendations from a local company that knows the area best.  

How do Texas Farm Bureau home insurance rates compare to the Fort Worth average?

The average cost of Texas Farm Bureau home insurance in Fort Worth is $593 per year, which is about 449% cheaper than the average annual premium in Fort Worth of $3,258.

How to get a quote

By contacting a local Texas Farm Bureau agent

Methodology & why you can trust our rates

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Compare home insurance rates in Fort Worth

We don't sell your information to third parties.

How much is homeowners insurance in Fort Worth?

The average cost of home insurance in Fort Worth is $3,258 per year, or $272 a month, for a policy with $300,000 in dwelling coverage. This is around 11% higher than the average annual cost of $2,919 for homeowners insurance in Texas, and about 85% higher than the national average. 

Fort Worth home insurance rates by ZIP code

Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain Fort Worth neighborhoods may be more prone to extreme weather damage or property crime than others.

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Fort Worth.

ZIP code

Average annual cost

Difference from state average (%)

76179

$3,504

20%

76137

$3,287

13%

76133

$2,890

-1%

76119

$3,179

9%

76116

$3,422

17%

76131

$3,352

15%

76108

$3,233

11%

76112

$3,034

4%

76123

$3,098

6%

76106

$3,301

13%

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Cheapest ZIP codes for home insurance in Fort Worth

With an average home insurance rate of $2,890 per year, the 76133 ZIP code is the most affordable area for home insurance in Fort Worth.

ZIP code

Average annual cost

Difference from state average (%)

76133

$2,890

-1%

76164

$2,951

1%

76114

$2,969

2%

76112

$3,034

4%

76120

$3,040

4%

76134

$3,060

5%

76244

$3,069

5%

76177

$3,088

6%

76123

$3,098

6%

76115

$3,175

9%

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Most expensive areas for homeowners insurance in Fort Worth

With an average annual premium of $3,578, the 76130 ZIP code is the most expensive ZIP code in Fort Worth for home insurance. If you live one of these ZIP codes, your rates might be among the highest in the city.

ZIP code

Average annual cost

Difference from state average (%)

76130

$3,578

23%

76155

$3,567

22%

76179

$3,504

20%

76116

$3,422

17%

76135

$3,415

17%

76140

$3,358

15%

76105

$3,357

15%

76131

$3,352

15%

76103

$3,348

15%

76111

$3,335

14%

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Learn more >> Home insurance rates by ZIP code

Fort Worth home insurance costs by coverage amount

Along with your home's location, your homeowners insurance premiums are primarily based on how much dwelling coverage is in your policy. This is the centerpiece of your home insurance coverage, covering the cost to repair or rebuild your home after a covered disaster. Here are the average rates for homeowners insurance by coverage amount.

Dwelling coverage limit

Average annual cost

$100,000

$1,546

$200,000

$2,335

$300,000

$3,258

$400,000

$4,367

$500,000

$5,180

Fort Worth home insurance costs by deductible amount

Your home insurance deductible is the amount you’re responsible for paying on each claim before insurance kicks in to help cover the cost of repairing or replacing your property. A higher deductible means lower insurance premiums, but it also means you're responsible for paying more out of pocket when you file a claim.

Here are the average rates for homeowners insurance by deductible amount in Fort Worth.

Deductible

Average annual cost

$500

$3,570

$1,000

$2,581

$2,000

$445

Cheapest homeowners insurance companies in Fort Worth

Based on our analysis, Farmers, Texas Farm Bureau, and State Auto are the three cheapest home insurance companies in Fort Worth, with average premiums citywide ranging from $497 to $842 per year.

Here are the average rates for homeowners insurance by company.

Company

Average annual cost

Farmers

$497

Texas Farm Bureau

$593

State Auto

$842

Lighthouse Property Insurance

$1,440

Chubb

$2,065

Mercury

$2,805

USAA

$2,838

State Farm

$2,983

IAT Insurance Group

$3,617

Texas FAIR Plan

$4,645

AmGUARD Insurance

$5,738

Amica

$5,830

UPC Insurance

$6,002

Progressive

$6,614

Nationwide

$6,885

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Cheapest home insurance in Fort Worth if you have poor credit

bad credit score does more than just cost you a few dollars in late payment fees — it can also make your auto and home insurance rates thousands of dollars higher.

Here are the average rates for homeowners with poor credit in Fort Worth.

Company

Average annual cost

Farm Bureau Insurance

$848

Farmers

$1,065

Lighthouse Property Insurance

$1,440

State Auto

$3,102

USAA

$3,455

Mercury

$4,612

Texas FAIR Plain Association

$4,645

State Farm

$5,125

Chubb

$5,650

Amica

$7,448

AmGUARD Insurance

$8,357

Nationwide

$8,735

IAT Insurance Group

$9,362

UPC Insurance

$9,593

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Cheapest home insurance in Fort Worth if you have an older home

Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.

Here are the average rates for Fort Worth residents with older homes.

Company

Average annual cost

Farmers

$489

Farm Bureau Insurance

$593

State Auto

$883

Lighthouse Property Insurance

$1,483

Chubb

$1,847

Mercury

$2,751

USAA

$2,867

State Farm

$2,983

IAT Insurance Group

$3,617

Texas FAIR Plain Association

$4,645

UPC Insurance

$5,735

AmGUARD Insurance

$6,106

Nationwide

$6,195

Amica

$6,605

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Cheapest homeowners insurance in Fort Worth if you have a history of claims

Claims history is one of the biggest factors that insurance companies use when calculating your home insurance premiums. If you have multiple claims on your record, your insurer will likely view you as a risk for filing future claims and may charge you higher rates as a result.

Here are the average rates for homeowners in Fort Worth with multiple claims.

Company

Average annual cost

Farm Bureau Insurance

$655

Farmers

$772

State Auto

$1,901

Lighthouse Property Insurance

$2,177

Chubb

$2,286

State Farm

$2,983

USAA

$3,127

Mercury

$5,284

IAT Insurance Group

$6,152

AmGUARD Insurance

$7,283

Texas FAIR Plain Association

$7,548

Nationwide

$10,317

Amica

$10,900

UPC Insurance

$11,301

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How to get homeowners insurance quotes in Fort Worth

Now that’ve we showed the different kinds of home insurance options available in Fort Worth, here are a few easy steps to take as you shop for insurance: 

5 steps to buying homeowners insurance in Fort Worth, TX

  1. Reach out to a licensed Policygenius agent. Our team of experts can help you get quotes from top companies at no cost or obligation to you. We can help you determine which coverage works best for you and how much protection you’ll need to ensure your home is fully covered in the event disaster strikes.

  2. Ask if you should purchase flood, hurricane, or wildfire coverage. Given the unpredictable weather Texas is known for, consider purchasing additional dwelling coverage or flood insurance to protect your home against catastrophic losses.

  3. Figure out how much you can afford to pay for your deductible. A higher deductible means you’ll pay less for homeowners insurance, but you’ll also pay more out of pocket on each claim. A Policygenius agent can help you pick out a deductible that works within your budget.

  4. Compare quotes from a Policygenius agent. Once you’ve identified your coverage needs, limits, and deductibles, a Policygenius agent will send over quotes from top companies so you can review your options.

  5. Choose your policy, sign it, and pay your first premium. Policygenius will do all of the paperwork for you, and will even cancel your old policy if it isn’t expired yet. All you need to do is sign on the dotted line and pay your first premium. It’s that easy!

Compare home insurance rates in Fort Worth

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Frequently asked questions

How can I lower my homeowners insurance rates in Fort Worth?

Shopping around and comparing quotes from several companies is one of the best ways to keep your home insurance costs low. In addition to re-shopping your coverage, ask your agent about available discounts or consider increasing your policy deductible.

Why do some insurance companies charge higher rates to customers with certain dog breeds?

An aggressive dog is more likely to bite a visitor in your home, resulting in an increased risk of filing an insurance claim. If your dog is considered an aggressive or dangerous breed, insurance companies may charge you higher home insurance rates or deny you coverage outright.

Is it mandatory to have homeowners insurance in Texas?

It isn’t mandatory to have homeowners insurance in Texas unless you have a mortgage on your property. Mortgage lenders require insurance for the full 100% replacement value of your home to protect their investment in the event of a disaster.

Author

Rachael Brennan is a licensed auto insurance expert and a former senior editor at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Pat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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