Port Arthur, TX Homeowners Insurance

Port Arthur is a port town home to a mix of Texas coastal beauty and Cajun style. Port Arthur is situated on the shore of Sabine Lake just a few miles north of the Gulf of Mexico. Port Arthur’s position on the map has played a significant role in defining its distinctive cultural identity. From its oil origins to the southern hospitality of its people, the presence of Texas is evident.

Port Arthur has a population of about 55,000 residents, with a homeownership rate of 56.5%, which is lower than the national average of 63.9%. 

The price of homeowners’ insurance in Port Arthur depends on a variety of factors, including the cost of the land, the condition of your house and the materials used to build the home. The location of your house will also have a bearing on how much you spend on homeowners insurance. Some areas are more prone to threats, such as floods, hail, earthquakes and other dangers. This will make the insurance policy more pricey.

How Much Does Homeowners Insurance Cost in Port Arthur?

Homeowners Insurance: Port Arthur Rates Vs. State + National Averages

Port Arthur Average (Annual) Texas Average United States Average
$1014 $3,468 $1,548

Port Arthur Homeowners Insurance by Company

Port Arthur homeowners insurance rates vary based on the insurance provider you choose. Texas Farmers offers the most affordable homeowners insurance in Port Arthur at an average of $250 a year, lower than the city’s overall homeowner premium of $986.

Affordable Homeowners Insurance Companies in Port Arthur

Company Average Annual Rate
Texas Farmers $250
ASI Lloyds 1,003
Safeco $1,005
United $1,016
Travelers $1,103

Port Arthur Homeowners Insurance Prices by ZIP Code

Depending on which part of Port Arthur you live in, you could see a difference in your home insurance’s price. Policies are priced on geographic factors, such as the number of claims made in the surrounding area.

Area code 77640 has the cheapest home insurance rate in Port Arthur, with an average price of $916 year. The table below shows other ZIP codes with affordable homeowners insurance in Port Arthur.

Cheapest Neighborhoods for Homeowners Insurance in Port Arthur

ZIP Code Average Annual Home Insurance Rate
77640 (Port Arthur) $916
77642 (Port Arthur) $1,000
77705 (Beaumont) $1,014

Number of Catastrophes in Texas and the US:

  • National number of catastrophes: 19,003
  • Number of catastrophes in Texas: 1,905
  • National number of tornadoes: 1,230
  • Number of tornadoes in Texas: 220
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Texas: $1,026,150,000

Port Arthur sits on the southern side of Tornado Alley. Homes here face a higher-than-average risk of destruction caused by tornadoes and other windstorms. Since this area is heavily populated, there is a very high risk that a tornado that hits nearby will result in collateral damage.

Homeowners insurance will provide coverage for your property from natural disasters such as fires and hurricanes. Check your coverage regularly to ensure that the thresholds and coverage amounts for multiple disasters are sufficient. A change in your house’s valuation, added high-value belongings that you have acquired, and natural disasters that have happened recently are good indicators that you need to have your coverage reviewed to ensure you are sufficiently insured.

Port Arthur Homeowners Insurance Rates by Coverage Level

The level of homeowners coverage you prefer affects your insurance rates. Port Arthur households with $200K in dwelling coverage pay an average of $2,535 per year, and those with up to $400K of dwelling coverage pay around $3,934 a year.

Homeowners Insurance Rates in Port Arthur—Popular Coverage Limits

Coverage Level Average Annual Rate
$100K Dwelling $1,237
$200K Dwelling $2,535
$250K Dwelling $3,102
$400K Dwelling $3,934

What Does Port Arthur Homeowners Insurance Cover?

Buying homeowners insurance doesn’t have to be complicated and frustrating. Here are some details on the type of insurance coverages available and what they are for:

  • Dwelling Coverage: This is your standard insurance policy covering losses and damages to your property’s physical structure.
  • Personal Property Coverage: You may want personal property coverage for your possessions, whether inside or outside your home.
  • Liability Protection: Liability protection covers you if you hurt someone or damage another person’s property.
  • Guest Medical Protection: This coverage is specifically to cover people who are injured on your property.

Port Arthur Homeowners Insurance Rates by Deductible Amount

A homeowners insurance deductible is the amount the insured has to pay when filing for a claim. If you opt for a higher deductible amount, you will pay lower insurance premiums. However, make sure that you can afford the deductible you choose if you have to file for loss.

Below are the typical deductibles provided by most home insurance providers and the average insurance rates.

Homeowners Insurance Costs by Deductible in Port Arthur

Deductible Amount Average Annual Homeowners Insurance Rate
$500 $1,414
$1,000 $1,214
$1,500 $1,016
$2,000 $814
$5,000 $614

Best Homeowners Insurance Companies in Port Arthur

Price is always a factor to consider when you’re shopping for homeowners insurance. The insurer’s financial stability is also a critical consideration because it demonstrates its potential to handle claims. Always review the J.D. Power Ranking, AM Best Financial Rating, and Better Business Bureau’s Rating for home insurance.

Company J.D. Power Ranking A.M. Best Rating BBB Rating
Allstate 5 out of 5 stars A+ (Superior) A+
Amica 5 out of 5 stars* A++ (Superior) B-
Liberty Mutual 3 out of 5 stars Not rated A
State Farm 3 out of 5 stars A++ (Superior) A++
Texas Farm Bureau Insurance 3 out of 5 stars A+ (Superior) A

Top Home Insurance Agents Near Port Arthur, TX

Home Insurance Company Near Port Arthur, TX Address
Texas Farm Bureau Insurance Company 9509 U.S. 69 Access Rd, Port Arthur, TX 77640, United States
Maria Flores: Allstate Insurance 5244 Gulfway Dr, Port Arthur, TX 77642, United States
TWFG Insurance Services 3800 E Farm to Market Rd 365 #137, Port Arthur, TX 77642, United States
Craig Rankin: Allstate Insurance 4700 FM 365 T, Port Arthur, TX 77642, United States
Dylan Williams: Allstate Insurance 3250 Central Mall Dr, Port Arthur, TX 77642, United States

Bundle Homeowners and Auto Insurance in Port Arthur, TX to Save Money

You might want to consider buying your homeowner and auto insurance plans from the same company if saving money is one of your priorities. Bundling policies in Port Arthur can result in an annual savings of 7%.

Cheapest Auto Insurance Rates With Home Insurance Bundled in Port Arthur

Company Avg. Annual Auto Insurance Rate (With Home Insurance Bundle)
State Farm $1,040
USAA $1,330
Progressive $1,800
Allstate $1,890
GEICO $2,320

Home Insurance Resources for Port Arthur Residents

Get Port Arthur homeowners insurance now!​

Get Cheapest Insurance Quote

Port Arthur, TX Homeowners Insurance FAQs

Your homeowners insurance policy has a list of “covered events.” Any event or incident not included in that list is something you should assume is not covered by your policy. Here are a few common types of damage or home-related expenses that your homeowners insurance policy will not cover: 

  • Damage from most natural disasters (including floods, hurricanes, earthquakes, landslides/mudslides, or sinkholes) 
  • Damage caused by warfare 
  • Damage caused by nuclear accidents 
  • Termite damage (including repair costs and removal costs) 
  • Tree removal costs 
  • Routine maintenance, repair, or replacement costs (including roofing, plumbing, HVAC, appliances, and more) 

While almost all house insurance policies have the same basic coverage, you can purchase additional optional coverages if you need to fill in a gap in your policy’s covered events. These extra riders expand your ability to make insurance claims. If you have specific personal property items that are very high-value—such as certain jewelry pieces or artwork—those items may not be covered under your standard policy. You would need to purchase additional coverage. Policies for hazards, flooding, and more are also available for extra coverage.

The answer to this question will vary depending on the homeowner and the value of their property. The good news is that you won’t typically be the one who needs to answer this question. Your mortgage lender will require that you have a certain amount of coverage for your home, and your insurance broker will know how to build a policy that makes sense for your property. 

At a minimum, though, your policy should be able to cover the total replacement cost of your home in the case of a total loss. 

Get Cheapest Insurance Quote

Call an Agent

Whether you just prefer a friendly voice or need more information, our licensed agents are ready to help you save.