Extreme weather damages can add up over time

Getting Home Insurance in San Antonio

Residents of San Antonio are all too familiar with the elements, whether it’s golf ball-sized hail during a ferocious thunderstorm or the occasional tornado. That’s where homeowner’s insurance comes in. With home insurance, San Antonio residents can protect themselves from these known seasonal perils. They can also protect themselves from the unexpected, such as fires or theft. When disaster strikes, a policy can help pay to replace personal property, repair your home, or cover a stay in a hotel if temporarily displaced. Insurance in San Antonio also includes liability. In the event that someone is injured on your property, you’ll have help paying any ensuing medical or legal bills, regardless of who was at fault.

Given the high risk for perils statewide in Texas, from the hurricane-prone Gulf Coast to destructive storms and tornadoes, insurance here can be expensive. According to the Insurance Information Institute, Texas has the highest premiums in the country. At $1,511, it is nearly double the national average of $880.

Factors of Home Insurance Rates in San Antonio

Coverage and rates are determined based on several factors involving the home and its surroundings. According to the Texas Department of Insurance, these factors include your home’s age and condition, replacement cost, and construction materials used. Generally, older homes are charged more for premiums, while those in very poor condition may even be refused coverage. The more it costs to replace your home, the more your insurance premiums in San Antonio will be. When it comes to construction materials, homes constructed primarily of brick are less expensive to insure than frame homes, which are less durable.

The location of your home also helps determine your insurance premiums in San Antonio. For instance, homes that have access to fire protection, such as nearby fire departments and fire hydrants, generally have lower premiums than homes that don’t. Crime is another major factor. If your neighborhood has high incidences of theft, your home may cost more to insure given the greater risk posed. In San Antonio, you may be able to receive a 5% discount on your homeowner’s premium if your home qualifies following a home security survey. During the survey, a city official inspects your locks, doors, windows, lighting, and fencing, and suggests ways to improve your home security. To get an idea of crime in San Antonio, refer to the following chart:

  Robbery Burglary Larceny-theft
2010 2,360 17,301 65,395
2009 2,683 18,164 67,684
2008 2,743 18,908 70,651

Other factors that are used to determine your premiums are more personal. An agency may refer to your claims history and credit report when determining your rate. If you have a history of filing claims, or bad credit, you may be charged higher premiums.

Home Insurance in Texas

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