Best homeowners insurance in San Antonio

Your guide to the best homeowners insurance companies in San Antonio, the cost of coverage by ZIP code, and special considerations for San Antonio homeowners.

Homeowners insurance is crucial protection for your home, your personal property, and your combined assets in the event your property is damaged or you’re held liable for an injury and sued. If you’re one of the over 400,000 homeowners in the Greater Antonio area, you’ll want to make sure you protect your house with exceptional homeowners insurance and that you’re insured with a reputable company.

San Antonio experiences frequent flooding, wildfires, and being right on the edge of Tornado Alley, it also sees some twisters from time to time. If you’re a homeowner in the Greater San Antonio area, especially in northern Bexar County, you should consider an extended or guaranteed replacement cost coverage endorsement to make sure your home is fully insured in the event of a total wildfire or tornado loss. Additionally, homes in the Alamo City should also have comprehensive flood insurance. San Antonio is one of the most flood-prone cities in the U.S., and even homes outside of the FEMA-designated flood zones are susceptible to inundation.

Keep reading for our guide on homeowners insurance in San Antonio, and check out our Texas homeowners insurance guide for more information about insuring your home in the Lone Star State.

The best homeowners insurance companies in San Antonio

When comparing and selecting homeowners insurance, you should examine more than just the cost of coverage. Pay special attention to companies’ financial strength rating with insurance credit agency A.M. Best and their customer satisfaction ratings with J.D. Power. These metrics don’t tell the entire story, but it’s a fast and easy way to compare which companies are best positioned to pay out and handle claims in the event of a loss. You should also compare the number of discounts offered by each company and how robust their standard policy offerings are.

The cheapest company for homeowners insurance in the San Antonio area is Mercury, with an average annual premium around $700. Chubb is far and away the most expensive insurer with an almost $4,000 average annual premium.

CompanyAverage annual premium
Crestbrook Insurance$1,763
Garrison Insurance Company$1,201
Liberty Insurance$2,382
Mountain Valley$1,309
National Specialty$1,019
National Surety$1,631
Republic Lloyds$1,751
Safeco (a division of Liberty Mutual)$1,621
State Farm$1,767
Texas FAIR Plan$1,690
Texas Farm Bureau Insurance$2,173
Texas Farmers Insurance$717

Methodology: Average annual premium data is based on a 10- to 35-year-old home in the San Antonio area with $200,000 in coverage. Quotes were retrieved using Help Insure—a Texas Department of Insurance quoting tool.


Get the right advice, right here.

No sweaty sales pitches. Just unbiased advice from licensed experts.

San Antonio homeowners insurance prices by ZIP code

Your homeowners insurance rates typically vary by ZIP code. There are a number of reasons for this: ZIP codes in North and West San Antonio, for example, are more at risk of wildfire damage than the more urban areas to the south. Insurers also often base rates on the claim frequency of particular ZIP codes and how prone the areas are to property-related crime like theft and larceny.

The cheapest region for homeowners insurance in the San Antonio area amongst the areas we researched was the 78133 ZIP code (Canyon Lake) with a $1,481 average annual premium. The 78207 ZIP-code (West San Antonio) sees the highest rates with a $1,599 average annual premium.

ZIP codeAverage Annual premium
78133 (Canyon Lake)$1,481
78154 (Schertz)$1,499
78207 (West San Antonio)$1,599
78221 (South San Antonio)$1,592
78223 (SE San Antonio)$1,595
78233 (NE San Antonio)$1,587
78249 (NW San Antonio)$1,559
78258 (North San Antonio)$1,587

Methodology: Average annual premium data is based on a 10- to 35-year-old home with $200,000 in coverage. Quotes were retrieved using Help Insure—a Texas Department of Insurance quoting tool.

San Antonio homeowners insurance rates by coverage amount

Your coverage amounts are directly impacted by how much coverage you have. Your home’s insured value or dwelling coverage amount should be equal to the rebuild cost of the home. If you live in a multi-story customized craftsman home, there’s a good chance you’ll need more dwelling coverage than a single-story ranch home.

Here is the average rate for three different coverage levels for a home in San Antonio.

Coverage amountAverage annual premium

Methodology: Average annual premium data is based on a 10- to 35-year-old home in San Antonio with $150,000, $200,000 and $350,000 in coverage. Quotes were retrieved using Help Insure—a Texas Department of Insurance quoting tool.

Special considerations for San Antonio residents

Homeowners in the Greater San Antonio area have a number of things to consider when setting up their homeowners insurance policy. The northern reaches of Bexar County experience wildfires in hotter months and the occasional twister during tornado season. If your home neighbors a wildland (areas with 10 or more acres of forested land) be attentive to your coverage amounts and make sure your home is insured for its full replacement cost.

In addition to homeowners insurance, San Antonio residents should also consider an NFIP or private flood insurance policy to insure their home from frequent flooding in the area. The multiple creeks and rivers that weave throughout the Alamo City are a big reason for the city’s mystique and charm, but they’re also prone to overflowing during torrential rainfall.

The southern San Antonio suburbs are also no stranger to the occasional earthquake. Homeowners insurance doesn’t cover earthquake damage, but your insurer may offer an earthquake endorsement to your policy for a small additional premium.

Wind and hail deductibles

Although homeowners insurance covers damage caused by tornado and hurricane winds, it’s pretty standard for insurance companies in South Texas to require a separate wind and hail deductible before they’ll reimburse you for damage caused by those perils.

Your insurance company will give you the option of choosing your wind and hail deductible amount. They’ll also typically give you the option of leaving it off your policy altogether for a cheaper premium. Keep in mind that wind and hail damage is typically excluded from your policy if you forego this deductible.

Homeowners insurance resources for San Antonio residents