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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.

Aly J. Yale
Written byAly J. Yale
Aly J. Yale
Aly 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.

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Katie Powers
Edited byKatie Powers
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Katie PowersSenior Editor

  • Licensed auto and home insurance agent

  • 3+ 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.

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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 premiumsMercury logoMercury

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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
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
586
$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.
$237/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.
$367/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

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.
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.
$402/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.
$547/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
sort ascsort desc
Average Annual Premium
sort ascsort desc
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

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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
sort ascsort desc
Average Annual Premium
sort ascsort desc
$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
sort ascsort desc
Average Annual Premium
sort ascsort desc
$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
sort ascsort desc
Average Annual Premium
sort ascsort desc
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

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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.

Sources

  1. Tarrant County, Texas. "Local Hazards."
  2. First Street Technology. "Fort Worth Flooding Risk."
  3. J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
  4. Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
  5. Insurance Information Institute. "Understanding your insurance deductibles."
Aly J. Yale
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.

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Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor

  • Licensed auto and home insurance agent

  • 3+ 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.

Read Editorial Guidelines

View Full Bio

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