Best homeowners insurance in Fort Worth, TX for 2022

Gianetta Palmer

By 

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Updated

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Fort Worth is known for its rodeos, stockyards, and rich legacy of jazz and blues. Many residents are drawn to the Fort Worth-Dallas metro area for educational, cultural and work activities. But as with most cities in East Texas, Fort Worth home insurance rates tend to be higher than most areas of the country, but there are plenty of affordable coverage options for area residents.

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The average cost of homeowners insurance in Fort Worth is $3,678 per year or $281 a month. This is around 17% higher than the statewide average of $3,080 per year, and about 39% higher than the national average of $1,899. 

However, the cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Fort Worth.  

Best homeowners insurance companies in Fort Worth

Of the companies we evaluated, Farmers has the lowest rate, with an average annual policy cost of $497 per year — almost $2,500 less than the state average. Texas Farm Bureau has the next lowest average rates at $593 per year.

Policygenius analyzed thousands of quotes from the 5 largest Fort Worth insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Fort Worth residents to find the best homeowners insurance in Fort Worth.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,983

835

USAA

$2,838

882

Farmers

$497

813

Nationwide

$7,265

812

Texas Farm Bureau Insurance

$593

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State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm has an excellent rating with J.D. Power and its rates are $700 less than the city average, making State Farm a great all-around insurance option in Fort Worth. One potential reason for State Farm’s high J.D. Power ratings is how easy they make it to manage and use your policy. Customers can easily file claims online, through State Farm’s signature app, or by calling and speaking with an agent directly. It also offers a complete line of insurance options, including several coverage add-ons like water backup and equipment breakdown.

How to get a quote

Online through State Farm

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

It’s no surprise that USAA is the number one choice for military service members and their families. USAA customers can score discounts for zero claims and opting for e-billing, and its base policy includes coverages that typically cost extra with other companies. Along with its multiple savings and coverage options, USAA also has some of the highest customer service and claims satisfaction ratings with J.D. Power.

How to get a quote

Online through USAA

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Farmers may be one of the largest insurance companies in the country, but it hasn’t forgotten about those who serve our neighborhoods and local communities. Farmers offers special rates to teachers, firefighters, and various affinity groups. You can also qualify for discounts by living in a smoke-free home, going a certain number of years without filing a claim, or choosing e-billing. In addition to saving opportunities, Farmers also offers unique coverage options, including an add-on that gives you the option to use green materials to rebuild your home after a loss. 

How to get a quote

Online through Farmers

Nationwide

Nationwide logo

Nationwide offers flexible home insurance policy options for every home type and income level. And we love its slew of discounts for everything from having a newish roof to living in a gated community.

Pros

  • Offers lots of coverage add-ons, including flood and earthquake insurance

  • Option to rebuild roof with stronger, safer materials after a covered loss

  • Score discounts for living in a gated community, making home renovations, having a newer roof, and more

  • Seamlessly submit claims online or through its mobile app

  • Above-average claims satisfaction rating

Cons

  • Below-average customer satisfaction ratings

  • Water backup coverage is more expensive than with other insurers

Why Nationwide tops our best list

Nationwide combines a high customer satisfaction rating with J.D. Power with industry best coverage add-ons, including flood insurance and earthquake coverage. Nationwide also offers numerous discount options, including discounts for living in a gated community or having a newer roof. Additionally, Nationwide provides a hassle-free customer experience — you can easily submit claims online or through its mobile app.

How to get a quote

Online through Policygenius or Nationwide

Texas Farm Bureau Insurance

Texas Farm Bureau Insurance logo

On top of its stellar customer satisfaction ratings, Texas Farm Bureau Insurance offers everything from home, auto, and life insurance to ranch, farm, and commercial coverage — allowing you to keep all of your policies under one roof.

Pros

  • Offers home, farm, ranch, commercial, life, and auto insurance — letting you keep all of your policies with one company

  • High customer satisfaction ratings for 10 years running

  • File claims online — with 24/7 customer support

Cons

  • Farm Bureau membership required for coverage

  • Minimal information about coverages and discounts available online

Why Texas Farm Bureau Insurance tops our best list

Texas Farm Bureau Insurance offers a complete line of insurance products from auto, commercial, home, and others allowing you to carry all of your policies under one roof. With its local agents and offices, Texas Farm Bureau offers great rates for those looking for personable service and affordable rates. 

How to get a quote

Online through Texas Farm Bureau

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Cheapest homeowners insurance companies by ZIP code in Fort Worth

Looking at average home insurance costs for the most popular companies in Fort Worth, we found that the cheapest home insurance in the city can be found in the 76110 ZIP code (Forest Park) with Farmers. The average Farmers rate in this area is $399 per year — significantly less than the city average of $3,678 per year. 

Homeowners in most areas of Fort Worth are likely to have the cheapest rates with Farmers and Texas Farm Bureau. 

ZIP code

Company

Average yearly cost

76052

Farmers

$419

76102

Farmers

$505

76103

Texas Farm Bureau Insurance

$593

76104

Farmers

$466

76105

Farmers

$473

76106

Farmers

$452

76107

Texas Farm Bureau Insurance

$593

76108

Farmers

$466

The most affordable areas for homeowners insurance in Fort Worth

With an average home insurance rate of $3,492 per year, the 76115 ZIP code (Worth Heights), is the most affordable area for home insurance in Fort Worth. Median home values of $183,000 make the Worth Heights neighborhood one of the most affordable places to live in the city.   

ZIP code

Average yearly cost

76115

$3,492

76107

$3,531

76102

$3,556

76110

$3,557

76155

$3,567

The most expensive areas for homeowners insurance in Fort Worth

With an average home insurance rate of $3,897, the 76108 ZIP code (Silver Ridge) is the most expensive area for home insurance in Fort Worth. Although these ZIP codes are the most expensive in Fort Worth, the rates are less than $200 above the city average.

ZIP code

Average yearly cost

76108

$3,897

76179

$3,889

76130

$3,852

76177

$3,830

76244

$3,816

Shopping for homeowners insurance in Fort Worth

With unpredictable Texas weather that includes tornadoes, dust storms, and the occasional hurricane, your home insurance is a valuable part of your life that shouldn’t be ignored. You’ll want to find the best coverage at a price that works within your budget.

In this section, we break down the average annual home insurance rates in Fort Worth for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners.

Fort Worth home insurance costs by coverage amounts

Dwelling coverage is that section of your home insurance policy that pays to rebuild your home from the ground up after a covered loss. 

Fort Worth homes with a dwelling coverage limit of $500,000 pay an average of $5,870 each year for home insurance — over $2,000 higher than the city average.

Dwelling coverage amount

Average yearly cost

$100,000

$1,677

$200,000

$2,631

$300,000

$3,678

$400,000

$4,752

$500,000

$5,870

Personal liability coverage is the portion of your homeowners insurance policy that pays for medical or legal bills if you’re found legally responsible for an injury. 

As the table below reflects, additional liability coverage doesn’t necessarily mean higher average home insurance rates in Dallas. While adding more liability coverage to your individual policy will likely make your rates go up, the increase is often minimal.

Liability coverage amount

Average yearly cost

$100,000

$3,718

$200,000

$3,597

$300,000

$3,678

$400,000

$4,946

$500,000

$3,398

Fort Worth home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying upfront on a claim before your insurance coverage kicks in after a covered loss. A higher deductible amount means lower insurance premiums, but it also means you’ll have to pay more out of pocket on each claim.

As seen in the table below, Fort Worth residents can save around $280 on home insurance by choosing a $2,000 deductible over the $1,000 option.

Deductible amount

Average yearly cost

$500

$4,131

$1,000

$3,971

$2,000

$3,958

Home insurance discounts in Fort Worth

Some insurance companies offer discounts if you install deadbolts, fire alarms, security systems, or other protective devices in your home.

While you won’t get a huge discount if your house has any of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Fort Worth with deadbolts, smoke alarms, or burglar alarms.

Discount

Average yearly cost

Dead bolt

$3,659

Smoke alarm

$3,671

Burglar alarm

$3,590

Home insurance companies in Fort Worth for dog owners

If you already own or are considering getting a dog that is considered an “aggressive breed,” you should be aware you might pay more for your home insurance. Some insurance companies charge higher rates for certain breeds and could even deny you coverage altogether if you own one.

With an average rate of $497 per year, Farmers has the cheapest home insurance rates in Fort Worth for a home with a dangerous dog breed, while Nationwide’s average yearly premium of $7,265 is the highest.

Company

Average yearly cost

Farmers

$497

Texas Farm Bureau Insurance

$593

USAA

$2,838

State Farm

$2,983

Nationwide

$7,265

Home insurance companies in Fort Worth for poor credit

If you have a history of late or missed payments on a credit card, car note, or student loan, there’s a good chance you’ll have to pay more for home insurance. Insurance companies consider a low credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim, so many charge higher rates as a result. 

With an average rate of $848 per year, Texas Farm Bureau has the cheapest home insurance rates in Fort Worth for a homeowner with poor credit, while Nationwide’s average yearly premium of $8,735 is the highest.

Company

Average yearly cost

Texas Farm Bureau Insurance

$848

Farmers

$1,065

USAA

$3,455

State Farm

$5,125

Nationwide

$8,735

Home insurance companies in Fort Worth for pool owners

There’s nothing better for cooling off during the scorching summer months than taking a dip in your own swimming pool. However, if you do have a pool, you might want to increase the amount of liability coverage on your home, as some insurance companies consider swimming pools to be a liability risk and will often charge higher rates.

With an average rate of $497 per year, Farmers has the cheapest home insurance rates for Fort Worth homes that have a swimming pool, while Nationwide has the most expensive rates at $7,265 per year.

Company

Average yearly cost

Farmers

$497

Texas Farm Bureau Insurance

$593

USAA

$2,838

State Farm

$2,983

Nationwide

$7,265

How to buy homeowners insurance in Fort Worth

Now that’ve we showed the different kinds of home insurance options available in Fort Worth, here are a few easy steps to take as you shop for insurance: 

  1. Reach out to a licensed Policygenius agent. Our team of experts can help you get quotes from top companies at no cost or obligation to you. We can help you determine which coverage works best for you and how much protection you’ll need to ensure your home is fully covered in the event disaster strikes.

  2. Ask if you should purchase flood, hurricane, or wildfire coverage. Given the unpredictable weather Texas is known for, consider purchasing additional dwelling coverage or flood insurance to protect your home against catastrophic losses.

  3. Figure out how much you can afford to pay for your deductible. A higher deductible means you’ll pay less for homeowners insurance, but you’ll also pay more out of pocket on each claim. A Policygenius agent can help you pick out a deductible that works within your budget.

  4. Compare quotes from a Policygenius agent. Once you’ve identified your coverage needs, limits, and deductibles, a Policygenius agent will send over quotes from top companies so you can review your options.

  5. Choose your policy, sign it, and pay your first premium. Policygenius will do all of the paperwork for you, and will even cancel your old policy if it isn’t expired yet. All you need to do is sign on the dotted line and pay your first premium. It’s that easy!

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Frequently asked questions

How can I lower my homeowners insurance rates in Fort Worth?

Shopping around and comparing quotes from several companies is one of the best ways to keep your home insurance costs low. In addition to re-shopping your coverage, ask your agent about available discounts or consider increasing your policy deductible.

Why do some insurance companies charge higher rates to customers with certain dog breeds?

An aggressive dog is more likely to bite a visitor in your home, resulting in an increased risk of filing an insurance claim. If your dog is considered an aggressive or dangerous breed, insurance companies may charge you higher home insurance rates or deny you coverage outright.

Is it mandatory to have homeowners insurance in Texas?

It isn’t mandatory to have homeowners insurance in Texas unless you have a mortgage on your property. Mortgage lenders require insurance for the full 100% replacement value of your home to protect their investment in the event of a disaster.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.