5 Best San Antonio Homeowners Insurance Companies (2025)
Farmers and State Farm offer some of the best homeowners insurance policies in San Antonio.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
The average annual home insurance rate in San Antonio, Texas, is $3,156 for a policy with a $1,000 deductible and $300,000 in dwelling coverage. This exceeds the national average of $2,532.
San Antonio has high home insurance premiums partially because of its hot, dry climate, which increases the risk of wildfires. Insurance companies consider this risk factor when determining premiums. But this doesn’t mean you can’t secure cheap home insurance coverage in San Antonio.
Before buying a homeowners policy, it helps to compare home insurance quotes. Here’s what you need to know about home insurance in San Antonio.
Quick Facts
Farmers, Armed Forces Insurance Exchange, and Republic Indemnity are some of the cheapest home insurance companies in San Antonio.
You’ll pay higher premiums for home insurance if you have a lower deductible or higher coverage limits.
Roughly 50% of the city’s buildings will face the risk of a wildfire over the next 30 years.[1]
Best home insurance companies in San Antonio
You have many quality home insurance companies to choose from in the San Antonio area.
Since each insurance company weighs rating factors differently, the best home insurance company for you will depend on your specific home insurance needs and past claims history. Start your search with five of the best San Antonio home insurers below.
Cheap rates: Texas Farm Bureau Group
Texas Farm Bureau Group has some of the cheapest homeowners insurance rates in San Antonio. Along with its excellent customer service reputation, the company has a below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) for a company of its size.
A homeowners insurance policy through the Texas Farm Bureau Group includes coverage for the dwelling, personal property, liability, and loss of use. The company doesn’t provide specifics about any other available endorsements or homeowners insurance discounts.
Pros
Some of the cheapest premiums in the city
50+ years of operations in Texas
Cons
Not many coverage options listed
No homeowners discounts on website
Best insurer for military members and families: Armed Forces Insurance Exchange
Armed Forces Insurance Exchange is an excellent insurer for San Antonio’s military community. The city is home to around 159,000 veterans and more than 80,000 active military members.[2] Armed Forces Insurance Exchange offers affordable rates and extensive, reliable home insurance coverage, making it a great choice for military members, veterans, and their families.
Pros
Affordable rates
Numerous available add-on coverages
Cons
Only available to active military, veterans, and their families
Withdrew from AM Best in 2022 due to declining ratings
Best insurer for customer service: State Farm
State FarmCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $229/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $310/mo |
State Farm is the best insurance company for customer service in San Antonio. Although somewhat less affordable than some of its competitors, it has a lower-than-average number of complaints on the NAIC National Complaint Index, making it a good choice for San Antonio homeowners looking for steady coverage and reliable customer service.
Pros
High ranking in the J.D. Power 2025 U.S. Home Insurance Study
Many local agents
Cons
Not as affordable as other San Antonio insurers
Fewer discounts than other companies
Best insurer for discounts: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 609 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $155/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $260/mo |
Travelers is the best insurer in San Antonio for discounts, offering numerous ways to make home insurance more affordable for homeowners. Some of the discounts Travelers offers are homebuyer, green home, loss-free, protective device, and multi-policy. It’s a good option for homeowners willing to take a few extra steps to save money.
Pros
Many available discounts
Reasonable rates
Cons
Higher-than-average number of complaints on the NAIC National Complaint Index
Below-average J.D. Power customer satisfaction rating
Best insurer for add-on coverages: Allstate
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $341/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $549/mo |
Allstate offers numerous optional coverages, making it easy to customize your home policy. The company offers extended coverage for valuable instruments and sports equipment, identity theft restoration and electronic data recovery, and basics like water backup coverage.
If you do part-time home-sharing, Allstate’s HostAdvantage coverage can help protect you from theft and damage.
Pros
Add-on green improvement coverage replaces damaged items with energy-efficient ones
Discount for homeowners age 55+ or retired
Cons
Below-average J.D. Power customer and claims satisfaction scores
May not be the cheapest home insurance company
Our editorial team analyzed regional and national home insurance companies that sell policies in San Antonio to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in San Antonio?
The average cost of homeowners insurance in San Antonio is $3,156 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This is lower than the statewide average of $4,140 per year for the same coverage levels.
Your exact rate will depend on your location in the city, how much coverage you need, and the insurance company you choose. The higher coverage limits you select, the more expensive your premiums will be.
Other factors that can affect your rate include the size of your house, its age, local building costs, your deductible, and even your credit history.
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Cheapest home insurance companies in San Antonio
Republic Indemnity offers the cheapest home insurance in San Antonio, with an average rate of $105 per month for $300,000 in dwelling coverage and a $1,000 deductible.
Check out some of the cheapest home insurance companies in San Antonio in the table below.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Republic Indemnity | $852 |
| Travelers | $1,356 |
| Mercury | $1,596 |
| Farmers | $1,608 |
| USAA | $1,620 |
| Foremost | $1,824 |
| State Farm | $2,232 |
| Nationwide | $2,352 |
| Allstate | $2,688 |
| Chubb | $3,624 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Republic Indemnity | $2,076 |
| USAA | $3,000 |
| Travelers | $3,120 |
| Mercury | $3,348 |
| Farmers | $3,552 |
| State Farm | $3,720 |
| Foremost | $4,404 |
| Nationwide | $5,076 |
| Allstate | $6,588 |
| Chubb | $7,308 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Republic Indemnity | $3,024 |
| USAA | $4,020 |
| Farmers | $4,632 |
| Travelers | $4,632 |
| Mercury | $4,872 |
| State Farm | $4,968 |
| Foremost | $6,504 |
| Nationwide | $7,236 |
| Allstate | $9,000 |
| Chubb | $9,672 |
How much homeowners insurance do you need in San Antonio?
Though Texas law doesn’t require you to carry homeowners insurance, it’s a good idea to have it, especially since San Antonio faces severe weather like hail and tornadoes. And if you have a mortgage, your lender will require it.
A standard home insurance policy includes four main components:
Dwelling coverage: This pays to repair or rebuild your home if a covered peril damages or destroys it. You’ll want to choose enough dwelling coverage to rebuild your home if it’s a total loss.
Personal property: If a covered peril damages your belongings, such as clothing, furniture, or electronics, home insurance will pay to replace them. Creating a home inventory can help you determine how much personal property coverage you need.
Additional living expenses: This portion of your policy pays for your temporary living expenses, such as hotel stays and restaurant meals, if your home becomes uninhabitable.
Personal liability: If someone is injured on your property and sues you, personal liability insurance helps pay medical expenses and legal fees.
The 80/20 rule is a good guideline to follow for choosing your home insurance coverage: Buy coverage equal to or greater than 80% of your home’s replacement cost.[3] No matter how much dwelling coverage you buy, it’s crucial to know what your home insurance policy covers.
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What to know about home insurance in San Antonio, TX
The following natural disasters pose the biggest risks to homes in San Antonio:
Tornadoes
Texas has averaged more than 100 tornadoes per year for the last five years.[4] San Antonio gets fewer tornadoes than the state average but more than the national average. Most home insurance policies cover tornado and wind damage. Ask your insurer to make sure your policy covers damage from tornadoes.
Wildfires
Texas is a desert state that often experiences extreme heat, which can lead to wildfires. In San Antonio, the risk of wildfire is higher than in 70% of communities in the U.S.[5]
Flooding
Though San Antonio isn’t a coastal city, flash floods can and do occur in the city. Standard home insurance doesn’t cover flood damage. For this reason, you’ll need to purchase additional flood coverage from your home insurance company or through the National Flood Insurance Program (NFIP) if you live in a high-risk area.
Average cost of home insurance in other cities in Texas
Home insurance costs vary by city and even by ZIP codes within the same city. Different areas are susceptible to different risks. For example, certain parts of the city may experience higher rates of vandalism or theft, so rates may be higher in those areas. In contrast, homeowners closer to fire stations may pay lower rates.
Though San Antonio gets fewer tornadoes than the rest of Texas, it still has more than the national average. Home insurers take this into account when setting rates, along with numerous other factors.
Check out the table below to see how home insurance rates vary across cities in Texas for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| El Paso | $1,944 |
| Austin | $2,784 |
| San Antonio | $3,156 |
| Dallas | $4,368 |
| Lubbock | $4,440 |
| Houston | $5,244 |
| Corpus Christi | $6,108 |
San Antonio homeowners insurance FAQs
Before you buy a new home insurance policy, it’s smart to compare quotes and coverage options from multiple insurers. The following information can help answer your remaining questions about San Antonio homeowners insurance.
For a policy with $300,000 in dwelling coverage and a $1,000 deductible, the average home insurance rate in San Antonio is $3,156 annually. Ultimately, your home insurance premium will depend on your coverage details and limits, home features, ZIP code, and more.
Republic Indemnity has the cheapest homeowners insurance in San Antonio, with an average monthly premium of $105 for a policy with a $1,000 deductible and $300,000 in dwelling coverage.
Armed Forces Insurance Exchange and Texas Farm Bureau Group also have cheap coverage.
No. Texas doesn’t require homeowners to purchase home insurance, but your mortgage company will require it.
Even if you’ve already paid off your mortgage, home insurance protects your finances if you experience covered damage or loss to your home and personal belongings. Without home insurance, you’d have to pay for any damages completely out of pocket.
The “best” insurance company is different for every homeowner. But Texas Farm Bureau Group, Armed Forces Insurance Exchange, and State Farm are among the best home insurance companies in San Antonio.
Home insurance is increasingly expensive in Texas, partially due to costly disasters associated with climate change. Texas has a risk of hurricanes, flooding, tornadoes, and wildfires, which can cause a lot of damage and increase the number and severity of filed claims. Insurance companies account for this added risk by increasing the cost of coverage.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Risk Factor. "Does North San Antonio have Wildfire Risk?."
- Center for a New American Security. "Greater San Antonio Military & Veteran Family Needs Assessment."
- National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- USAFacts. "Where do tornadoes do the most damage?."
- COMPTROLLER.TEXAS.GOV. "Texas communities face elevated wildfire threats."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.