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Best cheap home insurance in Fort Worth in 2025
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The best home insurance companies in Fort Worth
Texas can be a difficult place to get affordable home insurance, and Fort Worth is no exception. Climate Check names heat, fire and drought as some of the top environmental concerns in the area — all of which might make property here more expensive to insure. Bankrate’s editorial team can help you find the ideal home insurance company for your needs and budget. Based on our research, Fort Worth homeowners may want to consider USAA, Nationwide, State Farm and Farmers.

Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power

Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest home insurance companies in Fort Worth
Fort Worth home insurance costs are higher than the national average of $2,466. This can make finding cheap home insurance more of a challenge, but not impossible. According to Bankrate’s research, Armed Forces, Farmers and USAA are among the cheapest home insurance companies in Fort Worth for a $300K dwelling limit policy. While looking for cheap home insurance, keep in mind that average premiums increase as coverage limits rise. Our insurance editorial team also found cheap home insurance companies for $350K, $450K and $750K dwelling coverage limits.
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|
|
---|---|---|
Armed Forces
|
$173
|
$2,079
|
$194
|
$2,332
|
|
$208
|
$2,493
|
|
$280
|
$3,355
|
|
$410
|
$4,920
|

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How much is home insurance in Fort Worth, Texas?
Home insurance quotes for Fort Worth tend to be higher compared to the national average, but they are pretty normal for Texas. Home insurance in Fort Worth costs an average of $4,325 per year, while the average cost of home insurance in Texas is $4,078. To compare, the national average cost of home insurance is $2,466.
The rates above reflect a policy with a $300K dwelling limit, a $1,000 deductible, a home built in 2017 and a homeowner with good credit. Home insurance costs will vary depending on personal rating factors like your credit tier, home age and deductible.
Fort Worth rates by credit tier
Homeowners with good or excellent credit generally receive the cheapest rates. Insurance actuarial data shows that homeowners with poor or average credit are more likely to file a claim with their home insurance provider, and thus pose more of a risk to a home insurance company. The table below compares home insurance rates by credit tier for the five cheapest home insurance companies in Fort Worth.
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|
|
|
|
---|---|---|---|---|
Armed Forces
|
$3,192
|
$2,205
|
$2,079
|
$1,937
|
$6,029
|
$2,573
|
$2,332
|
$1,695
|
|
$3,251
|
$2,529
|
$2,493
|
$2,363
|
|
$4,572
|
$3,532
|
$3,355
|
$3,066
|
|
$12,575
|
$5,740
|
$4,920
|
$3,630
|
Fort Worth rates by home age
An older home will likely have different insurance needs than a newer build. If an older home needs a rebuild after a covered loss, it could cost an insurance company more to get it up to current building codes — which could drive up the cost of insurance. Below, you can compare Fort Worth home insurance costs based on a home’s construction year.
|
|
|
|
|
|
---|---|---|---|---|---|
Armed Forces
|
$2,198
|
$2,151
|
$2,146
|
$2,163
|
$1,988
|
$2,915
|
$2,949
|
$3,006
|
$3,552
|
$1,944
|
|
$3,601
|
$3,661
|
$3,626
|
$3,293
|
$2,234
|
|
$3,355
|
$3,355
|
$3,355
|
$3,129
|
$3,355
|
|
$6,278
|
$6,278
|
$6,278
|
$6,193
|
$3,956
|
Fort Worth rates by deductible amount
If the high Fort Worth home insurance costs are straining your budget, you might want to raise your insurance deductible. Your deductible represents the amount of financial responsibility you as a policyholder agree to take on after you file a claim. The more you share the financial burden with your insurance provider, the lower your premium will likely be. We’ve compared deductibles and premiums for the companies writing the cheapest home insurance in Fort Worth on average.
|
|
|
|
---|---|---|---|
Armed Forces
|
$2,079
|
$1,831
|
$1,589
|
$2,172
|
$2,016
|
$1,466
|
|
$2,266
|
$2,266
|
$1,856
|
|
$3,355
|
$3,355
|
$3,326
|
|
$4,920
|
$4,920
|
$4,685
|
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:

Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.