Home insurance in Texas*
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
Get covered
Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!
What does homeowners insurance cover in Texas?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in Texas
The average cost of home insurance has increased to $2,146 per year in Texas, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got Texas covered.
We help Texans find coverage across the entire Lone Star State!
While we sell policies in every county in Texas, including these major cities:
Arlington
Austin
Dallas
Fort Worth
El Paso
Houston
Plano
San Antonio
Common questions about Texas home insurance
What’s the average cost of home insurance in Texas?
The average cost of Texas home insurance premiums is $2,146 per year, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. Texas is the 4th most expensive state for home insurance because of the high risk of natural disasters such as hurricanes, tornadoes, and wildfires. The cost of your premium will also depend on your home’s location and other characteristics.
Is home insurance required in Texas?
No states require home insurance by law, but almost all mortgage lenders do. Even if your lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in Texas?
Like other Gulf Coast states, Texas’s home insurance rates are influenced by annual hurricane risks, as well as tornadoes and wildfires. Your own insurance rates will depend on where you live in the state, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in Texas?
Though it’s sometimes referred to as hurricane insurance, Texas homeowners should check to ensure their home insurance policies include coverage for wind damage caused by hurricanes. The policies we offer in Texas come with wind damage coverage automatically.
Texans are also eligible for our Signature Coverage Collection for high-value homes.
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