Best Fort Worth Homeowners Insurance Quotes (2025)
Mercury, State Farm, and Armed Forces Insurance Exchange offer the best homeowners insurance policies in Fort Worth, Texas.
Secure. Free. Easy-to-use.
Excellent
)
Written byAly J. Yale
)
National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average homeowner in Fort Worth, Texas, pays $5,458 annually for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. This is higher than the national annual average of $2,584 and the Texas state average of $4,789 for the same amount of coverage.
Fort Worth homeowners may face expensive home insurance rates due to the city’s exposure to several environmental risks, including drought, windstorms, hail, winter storms, and tornadoes.[1]
Here’s what you should know about finding home insurance in Fort Worth.
Quick Facts
Fort Worth homeowners who select a home insurance policy with a $500 deductible and $300,000 in dwelling coverage pay $5,536 annually for coverage. You can get lower premiums by opting for a higher deductible.
Republic Indemnity, Mercury Insurance, and Armed Forces Insurance Exchange offer the cheapest insurance premiums in Fort Worth, on average.
Fort Worth has a moderate risk of flooding. More than 24,000 properties in the city have a risk of flooding sometime during the next 30 years.[2]
Best home insurance companies in Fort Worth
Many quality home insurance companies serve customers in Fort Worth. The best company for you will depend on your specific coverage needs and budget. It’s a good idea to compare quotes from multiple insurance companies to find affordable coverage.
Start your search below with three of the best home insurance companies in Fort Worth.
Best company for low premiums: Mercury Insurance
low premiums
Mercury
Compare 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. | 7.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $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. | $185/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. | $293/mo |
Mercury offers some of the cheapest home insurance premiums in Fort Worth, with an average premium much lower than the city average. The insurance company also offers many discounts to help you save on coverage. Mercury also has a unique add-on refrigerated products coverage, which can help Fort Worth residents who experience power loss.
Pros
Lower-than-average premiums
Many discounts available
Cons
Below-average J.D. Power customer satisfaction rating
Doesn’t offer flood insurance
Best company 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $354/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. | $484/mo |
If you’re looking for an insurance company with quality customer service, State Farm is a good choice. The insurance company rates above average for customer satisfaction compared to other Fort Worth insurers, according to the J.D. Power 2024 U.S. Home Insurance Study.[3] The company also offers a few methods of contact, including phone, mobile, app, and online dashboard.
Pros
Above-average J.D. Power customer satisfaction rating
Lower-than-average premiums
Cons
Doesn’t offer flood insurance
Must use an agent to get a policy
Best company for military homeowners: Armed Forces Insurance Exchange
Armed Forces Insurance Exchange
If you or your spouse is a military member or veteran, Armed Forces Insurance Exchange can be a smart option for your Fort Worth home insurance. The company’s premiums are among the lowest in the city. The insurance company also offers several discounts, including some for new homes, properties with fire and burglar alarms, and homes within gated communities.
Pros
Lower-than-average premiums
Offers earthquake and flood coverage
Cons
Above-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Available only for military consumers
Our editorial team analyzed regional and national home insurance companies that sell policies in Fort Worth 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.
Cheapest home insurance companies in Fort Worth
Home insurance premiums can vary widely from one insurance company to the next. Republic Indemnity has the lowest average premium in Fort Worth, with an average of $2,273 annually.
Below, you can compare average annual premiums from some of the cheapest home insurance companies in Fort Worth. Average premiums reflect costs for home insurance policies with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company  | Average Annual Premium |
|---|---|
| Republic Indemnity | $2,273 |
| Mercury | $2,811 |
| Armed Forces Insurance Exchange | $2,816 |
| Texas Farm Bureau Group | $3,118 |
| Farmers | $3,801 |
| Bankers Insurance Group | $4,333 |
| State Farm | $4,771 |
| ASI | $4,916 |
| Allstate | $5,681 |
| Travelers | $5,764 |
| Foremost | $5,905 |
| Nationwide | $6,115 |
| Texas Fair Plan Association | $6,946 |
| Occidental/Acceptance Group | $8,084 |
| Chubb | $8,580 |
| AmGUARD Insurance Company | $9,159 |
Shop for Home Insurance in Fort Worth
Insurify partners with top insurers for real quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
How much is home insurance in Fort Worth?
Home insurance premiums vary by city and your home details. The size of the property, the coverages you choose, your home’s risk levels for crime and weather events, and the amount of your deductible can all affect how much you pay for home insurance.[4]
In Fort Worth, homeowners pay an average of $5,458 per year for $300,000 in coverage and a $1,000 deductible. The average annual premium for the same coverage with a $500 deductible is $5,536.
Cost of home insurance by dwelling coverage in Texas
The more insurance coverage you need for your property, the more you’ll pay for home insurance. In Texas, the average home insurance rate varies from $2,037 annually for $100,000 in dwelling coverage to $7,279 for $500,000 in dwelling coverage.
Compare average premiums by dwelling coverage limit below.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $2,037 |
| $200,000 | $3,464 |
| $300,000 | $4,789 |
| $400,000 | $6,005 |
| $500,000 | $7,279 |
Cost of homeowners insurance by deductible amount
Your home insurance deductible is how much you’re financially responsible for when you file an insurance claim. For example, if you have a $1,000 deductible and file a $5,000 claim, you’d pay $1,000, and your insurance company would cover the remaining $4,000.
Higher deductibles result in lower premiums, as the insurance company has to pay out less on your claims. Lower deductibles typically come with higher premiums due to the opposite effect.[5]
See below for the average annual premiums for different deductible amounts.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $5,536 |
| $1,000 | $5,458 |
Average cost of home insurance in other cities in Texas
Average insurance premiums vary based on the location of your home. This is because natural disaster risk, crime rates, weather patterns, and other factors vary by location and ZIP code. For example, home insurance in coastal cities may be more expensive than in more inland cities, since they’re more prone to hurricanes and flooding.
See below for how Fort Worth home insurance premiums measure up to other cities in Texas. Average annual premiums reflect costs for policies with $300,000 in dwelling coverage and a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| Austin | $3,153 |
| Brownsville | $5,579 |
| Dallas | $4,978 |
| El Paso | $2,227 |
| Fort Worth | $5,458 |
| Frisco | $4,744 |
| Houston | $5,980 |
| Ingleside | $5,803 |
| Lubbock | $2,690 |
| San Antonio | $3,443 |
| Sugar Land | $6,524 |
Compare Fort Worth Home Insurance Quotes
Get personalized home insurance quotes in minutes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
What to know about owning a home in Fort Worth
Tarrant County — home to Fort Worth — has a number of natural disasters and weather risks, including hail, flooding, extreme temperatures, droughts, severe storms, winds, earthquakes, and tornadoes. You should consider all these risks when choosing your insurance policy and coverages as a Fort Worth homeowner.
This is particularly true for risks like flooding and earthquakes, which traditional home insurance policies don’t typically cover. For these risks, you need supplemental insurance coverage for protection in the event of a flood or earthquake.
You can purchase flood insurance through the government’s National Flood Insurance Program (NFIP) via approved insurers. Though the U.S. doesn’t have a national earthquake insurance program, some private insurance companies often offer add-on earthquake coverage. You’ll just need to shop around to find it.
Fort Worth home insurance FAQs
The following information can help answer your remaining questions about finding Fort Worth home insurance.
The average cost of home insurance is $5,458 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. For a policy with a $500 deductible, the average annual premium is $5,536. You may also need to add supplementary coverages, like flood and earthquake insurance, which could make your insurance costs more expensive.
The cheapest home insurance company in Fort Worth is Republic Indemnity. The average premium with Republic Indemnity is just $2,273 per year for $300,000 in dwelling coverage. Mercury and Armed Forces Insurance Exchange are two other affordable home insurance companies in Fort Worth.
The average annual cost of a home insurance policy with $500,000 in dwelling coverage in Texas is $7,279. In general, the more dwelling coverage a home needs, the more expensive home insurance will be for the property.
The 80% rule, also called the 80/20 rule, states that you should insure your home for at least 80% of its full replacement cost. If you fail to purchase an insurance policy with this much coverage, your insurer may not fully cover your claim.
The best insurance company depends on your specific coverage needs and budget. In Fort Worth, the top three home insurance companies are Mercury Insurance for low premiums, Armed Forces Insurance Exchange for military homeowners, and State Farm for customer service.
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.
Sources
- Tarrant County, Texas. "Local Hazards."
- First Street Technology. "Fort Worth Flooding Risk."
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
- Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
- Insurance Information Institute. "Understanding your insurance deductibles."
)
Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly has been a contributor at Insurify since September 2023.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in