How Wind and Hail Deductibles Work in Texas
Texas wind and hail deductibles are a percentage of your dwelling coverage, not your claim. Here is what that means in dollars, and how TWIA and roof schedules fit in.
Texas
What Homeowners Insurance Costs in Texas in 2026
Texas homeowners pay about $4,380 a year on average for home insurance, roughly double the national average, and rates are projected to keep climbing in 2026.
What Landlord Insurance Covers and Costs in Texas
Texas landlord insurance averages $1,584 to $1,714 per year, and this guide explains what a DP-3 policy covers, what it excludes, and how it differs from homeowners insurance.