Spring, TX Homeowners Insurance

Spring is mainly concentrated in Harris County, while a small part of Spring is located in the North of Montgomery County. Spring is an official “Census Designated Area” of the U.S. Census, not an incorporated city. The population is approximately 61,000. Established in 1838, the town originated in the location now known as the Old Town Spring. Old Town Spring is also a tourism destination with shopping, retail, and big annual activities.

The rate of homeownership in Spring, TX is 27.6 %, smaller than the national average of 63.9%.

If you are one of the homeowners in the Greater Spring area, it is essential to cover your property with sufficient insurance. Homeowners insurance is required by lenders and covers the home and other assets in the event of nature, burglary, and traumatic incidents. Given the region’s unusual threats, getting a decent homeowner insurance policy with a trustworthy company is essential.

How Much Does Homeowners Insurance Cost in Spring?

Homeowners Insurance: Spring Rates Vs. State + National Averages

Spring Average (Annual) Texas Average United States Average
$1,026 $3,468 $1,548

Spring Homeowners Insurance by Company

Given the importance and high cost of homeowners insurance in Spring, it is important to know which companies provide the best homeowners insurance coverage at competitive rates in the area. Some of Spring’s cheapest home insurance providers are listed below, with Texas Farmers providing the most affordable premium at an average of $360 per year.

Spring Homeowners Insurance Cheapest Rates by Company

Company Average Annual Rate
Texas Farmers $360
ASI Lloyds $1,015
Allstate $1,017
United $1,028
USAA $1,115

Spring Homeowners Insurance Prices by ZIP Code

Your homeowners insurance premiums are primarily based on your property’s ZIP code. Several factors cause rate differences among ZIP codes, such as the frequency of lawsuits in the area and how vulnerable it is to property-related offenses such as burglary and larceny.

The 77373 ZIP code, located in Maxwell, has the cheapest average homeowners insurance premium in Spring at $826 per year. The 78667 ZIP code, located in Heritage, has the highest average annual premium of $2,004.

Spring Homeowners Insurance Rates by Coverage Level

Your chosen amount of homeowners insurance coverage affects the premiums you pay. In Spring, carrying a $100K of dwelling coverage costs an average of $996 per year, while $400K of dwelling coverage costs $3,183 per year.

Homeowners Insurance Rates in Spring—Popular Coverage Limits

Coverage Level Average Annual Rate
$100,000 Dwelling $996
$200,000 Dwelling $2,054
$250,000 Dwelling $2,505
$400,000 Dwelling $3,183

What Does Spring Homeowners Insurance Cover?

Buying homeowners insurance does not need to be overwhelming and stressful. Typical coverage options offered in Spring are explained below. 

  • Dwelling Coverage:  The standard insurance policy that covers the physical structure of your property.
  • Personal Liability Coverage: Covers injuries to you and your family from an accident in your residence for which you are responsible. 
  • Guest Medical Coverage: Covers injuries to guests who are injured on your property. (Does not cover injuries to you or others living in your residence.) 
  • Additional Living Expense: If your home acquires severe damage and is not livable, your insurance provider will cover the cost of house rentals for up to 24 months or until your home is rebuilt and completely safe to occupy. 
  • Asset Protection: Covers valuable assets on your property, such as art, antiques, or collectibles. In any case that these assets are stolen or lost, the insurance company will replace them. 
  • Scheduled Personal Property Coverage: Provides full coverage (beyond the partial scope offered by asset protection) for specific valuables of your choice. 
  • Property Rental Coverage: This covers the risks taken by renting out your home for extended periods, including liability costs, property damage, and rental income loss.

Spring Homeowners Insurance Rates by Deductible Level

One important consideration when selecting a homeowners insurance plan is the level of the deductible. The deductible is the amount that the homeowner is liable to pay before the insurance provider begins covering expenses. The deductible impacts the cost of insurance premiums; generally, the smaller the deductible, the higher the premiums. 

The following table provides the average insurance rates in Spring at different deductible levels. 

Home Insurance Rates by Deductible Level in Spring, TX

Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,426
$1,000 $1,226
$1,500 $1,028
$2,000 $826
$5,000 $626

Bundle Home and Auto insurance in Spring to Save Money

Purchasing your car and homeowners insurance plans from the same company can minimize your total insurance premium costs. Bundling car and homeowners insurance policies in Spring results to an average annual savings of 7% compared to purchasing them separately. 

Cheapest Auto Insurance Premium With Home Insurance Bundled in Spring

Company Avg. Annual Auto Insurance Rate (With Bundle)
State Farm $810
USAA $1,150
Progressive $1,180
Allstate $1,260
GEICO $1,310

The 5 Best Homeowners Insurance Companies in Spring

Your insurance provider’s financial stability is a critical consideration because it indicates the company’s ability to handle claims. Always review the AM Best Financial Rating, Better Business Bureau Rating, and JD Power Rankings for homeowners insurance.

Best Homeowners Insurance Companies in Spring Based on AM Ratings, BBB, and JD Power Rankings

Company A.M. Best Rating BBB Rating J.D. Power Ranking
Allstate A+ (Superior) A+ 5 out of 5 stars
Amica A++ (Superior) B- 5 out of 5 stars*
Liberty Mutual A+ (Superior) A 3 out of 5 stars
State Farm A++ (Superior) A++ 3 out of 5 stars
Texas Farm Bureau Insurance A+ (Superior) A 3 out of 5 stars

Top Home Insurance Agents Near Spring, TX

Home Insurance Company Spring, TX Address
Delon Fields – State Farm Insurance Agent 2122 Farm to Market 2920 Ste B, Spring, TX 77388, United States
Tiffany Brimberry: Allstate Insurance 25702 Aldine Westfield Rd Ste 1101, Spring, TX 77373, United States
Rick Fields – State Farm Insurance Agent 26835 Cypresswood Dr #4, Spring, TX 77373, United States
Kyle Sherburne – State Farm Insurance Agent 2833 Riley Fuzzel Rd Ste 200, Spring, TX 77386, United States
Goosehead Insurance – Danny Raymond 1315 Rayford Park Rd #502, Spring, TX 77386, United States

Number of Catastrophes in Texas and the US

Natural disasters

Especially since Hurricane Harvey in 2017, summer and fall have become stressful for many Spring property owners. In preparation for the storm season, many homeowners retrofit and fortify their homes or adjust their insurance policies to ensure they are sufficiently covered.

If you own a Spring property, seek expanded homeowners insurance coverage and a robust flood insurance policy before the next tropical storm season.

Wind and hail deductibles

Although homeowners insurance covers damage incurred from tornadoes and hurricanes, exposure to wind and hail is usually excluded from coverage unless specifically added to the insurance plan. Insurance companies offer various deductible amount options for this. Your plan will include lower additional premiums for wind and hail coverage if you choose a higher deductible option.  

Property Crime 

Spring has one of the highest property crime rates in the United States: approximately one in 24 Spring residents has been a victim of a property crime.

Insurance companies offer various levels of coverage for property damage or loss due to vandalism or theft. It is a good idea to identify your most valuable possessions and your belongings’ total value to choose the level of coverage appropriate for you. 

If you find that your possessions’ value exceeds your insurance cap, you may want to consider increasing your coverage. Purchasing a comprehensive plan may be advantageous as it will cover maximum repair costs for missing or damaged items.

Homeowners Insurance Resources for Spring Homeowners

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Spring, TX Homeowners Insurance FAQs

  • A flat deductible is a specific or fixed dollar amount; for example, $1,500.
  • A percent deductible is a percentage that is based on household dwelling coverage, often referred to as Coverage A.  For example, the 1% deductible for a home with $100,000 housing coverage is $1,000, and the same 1% deductible for a home with $400,000 dwelling coverage is $3,000. Keep in mind that as your home coverage increases, the calculated amount of your deductible will also increase.

If you choose a larger deductible, you will be responsible for spending more out of pocket. However, you’re normally going to pay a smaller insurance premium. The reverse is true if you take a lower deductible option: since the insurance absorbs a bigger part of your damages, you normally pay a higher policy premium. An insurance agent can discuss the available deductible choices for you and help you determine which to choose.

This coverage is part of the homeowners’ insurance package. It covers you and your family against property damage or bodily injury claims for which you are legally liable. Liability insurance protects you, for example, if someone trips and falls on your premises or if your puppy bites someone.

Today, multimillion dollar cases are normal, many homeowners’ insurance may provide substantial limitations on liability, but it may not be enough. Personal Liability Umbrella is available to complement your existing plan and to include extra protection.

Personal Liability  Umbrella insurance serves as an umbrella, adding extra protections on your car and homeowners’ liability policies.  It complements your current plan and offers an extra safeguard for personal liability.

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