Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed El Paso County, TX agent.

El Paso County, TX Homeowners Insurance Quotes

Are you shopping online for home insurance in El Paso County TX? We have the most affordable premiums and coverage options available at GetHomeInsuranceQuotes.com, where we provide up to 12 quotes to review and compare from the most top rated home insurance companies. Our El Paso County agents have over 20+ years of insurance consulting and professional experience to help you get answers to any questions that you may have about which coverage option is best for you and your family.

Protecting your home in Texas from hurricanes, lightning and fires is important to every homeowner. But that's not all your home insurance policy can offer. We have a variety of coverage options to choose from to make sure your home and family are properly covered. Start your home insurance quotes online now by entering your zip code above or call the number on the right to speak with a licensed home insurance agent today!

More about premiums in El Paso County

El Paso County, TX homeowners are now averaging around $166.67 per month for a basic home insurance policy. For Texas, this amounts to $2000 per year for a standard (HO-3) homeowners insurance policy for residents living in El Paso County, TX. In comparison, the national average for home insurance rates is around 1,249 per year. Texas is now ranked #4 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in El Paso County, TX so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience.

For all El Paso County, TX residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in El Paso County? Simply enter your zip code to get your Texas homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

El Paso County, TX Housing Demographics

With 800,647 residents living within the El Paso County area there are over 270,307 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 196,625 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in El Paso County.

DemographicValues
Total Occupied Households256,557
Family Households (families)196,625
Average Owner Occupied Household Size3
Average Family Size4
Total Housing Units270,307

El Paso County, TX Home Insurance Average Premiums

Local El Paso, TX homeowners insurance quotes comparison

$1,700 /yr.

Texas's Average Home Insurance Rates Overall

For the state of Texas, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 4 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$1362 /yr.
Current Average Cost:$1,700 /yr.
Maximum Range:$2000 /yr.

Texas Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

    According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

  • Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022

    Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]

  • Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022

    Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report,  homeowners […]

  • Wind & Hail Home Insurance Coverage Guide Posted on Monday 13th September, 2021

    Home in Panama City, Florida suffers from wind and hail damage in 2018. This damaged house is from hurricane Michael. Hailstorms can do a tremendous amount of damage to your house and roof in very short amount of time and if you are not properly insured you could end up having to cover the cost […]

  • Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

    Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]

  • FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021

    A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]

Discounts For Homeowners in El Paso County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Texas homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in El Paso County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in El Paso County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your El Paso County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

El Paso County Housing & Real Estate Data

Details:Statistics
Total Housing Units270307
Occupied Housing Units256557
Vacant Housing Units13750
Vacant Housing Units for Rent4361
Vacant Housing Units Rented Not Occupied374
Vacant Housing Units For Sale2691
Vacant Housing Units Sold Not Occupied543
Vacant Housing Units For Seasonal Occasional Use1219
Vacant Housing Units All Other Vacants4562
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent4
Housing Tenure Occupied Units256557
Housing Tenure Occupied Units Owner Occupied161695
Housing Tenure Occupied Units Owner Occupied Population516625
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied94862
Housing Tenure Occupied Units Renter Occupied Population268230
Housing Tenure Occupied Units Renter Occupied Average Household Size3