With TGS Insurance, Finding The Right Austin Home Insurance Policy is as Easy as 1-2-3
How Much is Home Insurance in Austin, TX?
On average, TGS Insurance customers in Austin pay about $1,763 per year for their homeowners insurance policy. Your actual rate may vary depending on your home’s size, age, construction type, and coverage limits, as well as personal factors like claims history. Austin’s rapid growth, rising property values, and exposure to Texas weather events—such as hailstorms and severe thunderstorms—can also influence insurance costs. At TGS Insurance, we compare quotes from multiple top-rated carriers to ensure Austin homeowners get the right coverage at the best possible price.
Comparing the Average Cost of Homeowners Insurance in Austin, TX By Dwelling Coverage Limit
Coverage A, also known as dwelling coverage, is the part of your homeowners insurance that protects the structure of your home. The limit you choose represents the maximum amount your insurer will pay to rebuild if your home is damaged or destroyed by a covered event. In Austin, higher Coverage A limits provide more protection but also increase your premium since the insurer is taking on more financial risk. With rising property values and construction costs in Austin, it’s especially important to select a limit that reflects the true cost of rebuilding your home—not just its market value.
Coverage Level Average Annual Premium (incl. wind coverage)
$100,000 - $199,999 $1,184
$200,000 - $299,999 $1,371
$300,000 - $399,999 $1,623
$400,000 - $499,999 $1,922
$500,000 - $599,999 $2,303
$600,000 - $699,999 $2,506
$700,000 - $799,999 $2,693
How Home Size Impacts Your Premium
The size of your home plays a big role in the cost of your homeowners insurance. In Austin, homes under 2,500 square feet average about $1,502 per year, while homes larger than 2,500 square feet average closer to $2,166. Larger homes generally cost more to insure because they require additional materials and labor to rebuild, and they often contain more personal belongings that need protection. Whether you own a cozy bungalow in the city or a spacious property on the outskirts, insurers consider your home’s square footage, layout, and features when determining your rate.
What Does Home Insurance Cover in Austin?
A standard homeowners insurance policy in Austin typically includes:
- Dwelling Coverage – Protects the structure of your home from covered risks like fire, wind, hail, theft, and vandalism.
- Personal Property Coverage – Covers belongings such as furniture, clothing, and electronics if they’re damaged or stolen.
- Liability Protection – Provides financial protection if someone is injured on your property or if you’re responsible for damage to someone else’s property.
- Loss of Use Coverage – Helps cover additional living expenses, like hotel stays and meals, if your home becomes uninhabitable due to a covered event.
Common Risks for Austin Homeowners
Austin homeowners face a range of risks that can impact both their property and their premiums. Severe thunderstorms, hail, and high winds are some of the most common threats in Central Texas, often leading to costly roof and exterior damage. While a standard homeowners policy covers many perils such as fire, theft, vandalism, and certain storm damage, some risks require extra protection.
Additional Coverages Austin Homeowners Often Consider:
- Flood Insurance – Even outside of coastal regions, flash flooding and heavy rains can cause significant damage. Since standard policies don’t cover flooding, a separate flood policy is essential.
- Water Backup Coverage – Protects against damage from backed-up drains or sump pump failures, which can be both expensive and disruptive.
- Extended Replacement Cost – Adds extra protection if rebuilding costs rise due to spikes in construction materials or labor.
- Scheduled Personal Property – Provides higher coverage limits for valuables such as jewelry, fine art, or collectibles.
At TGS Insurance, we help Austin homeowners understand their risks and select the right combination of standard coverage and endorsements to ensure they’re fully protected.
We’re Your “One-Stop-Shop” for Insurance – Bundle Our Services and Save!
Bundling multiple policies—like home and auto—is one of the easiest ways to save on your insurance costs. At TGS Insurance, we make it simple to combine policies and unlock valuable discounts while keeping your coverage seamless.
Many Austin homeowners also choose to add umbrella coverage for extra liability protection. While your homeowners policy covers certain medical and legal expenses, rising costs mean those limits may not always be enough. Umbrella insurance provides an extra layer of security, helping protect your assets and finances if the unexpected happens. Our team works with 55+ top-rated carriers to find the right umbrella coverage at the best rate, giving you added peace of mind without added hassle.
Zip Codes in Austin, TX That We Insure:
| 73301 | 78711 | 78722 | 78733 | 78746 | 78758 | 78772 |
| 73344 | 78712 | 78723 | 78734 | 78747 | 78759 | 78773 |
| 78681 | 78713 | 78724 | 78735 | 78748 | 78760 | 78774 |
| 78701 | 78714 | 78725 | 78736 | 78749 | 78761 | 78778 |
| 78702 | 78715 | 78726 | 78737 | 78750 | 78762 | 78779 |
| 78703 | 78716 | 78727 | 78738 | 78751 | 78763 | 78783 |
| 78704 | 78717 | 78728 | 78739 | 78752 | 78764 | 78799 |
| 78705 | 78718 | 78729 | 78741 | 78753 | 78765 | |
| 78708 | 78719 | 78730 | 78742 | 78754 | 78766 | |
| 78709 | 78720 | 78731 | 78744 | 78755 | 78767 | |
| 78710 | 78721 | 78732 | 78745 | 78756 | 78768 |
Don’t see your zip code listed? Don’t worry, as long as it’s in Texas, we’ve got you covered!
