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

Henderson County, TX Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in Henderson County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Texas.

For Henderson County TX homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

Henderson County Home Insurance Rates

Henderson County, TX homeowners are now averaging around $166.67 per month for a basic homeowners policy. For Texas residents, this amounts to $2000 per year for a standard home policy for homeowners living in Henderson County, TX. In comparison, the national average for home insurance premiums 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 Henderson County, TX so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all Henderson 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 Henderson 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.

Henderson County, TX Housing Demographics

With 78,532 residents living within the Henderson County area there are over 39,595 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 21,612 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 Henderson County.

DemographicValues
Total Occupied Households31,020
Family Households (families)21,612
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units39,595

Henderson County, TX Home Insurance Average Premiums

Local Henderson, 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 Henderson 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 Henderson 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 Henderson 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 Henderson 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.

Henderson County Housing & Real Estate Data

Details:Statistics
Total Housing Units39595
Occupied Housing Units31020
Vacant Housing Units8575
Vacant Housing Units for Rent860
Vacant Housing Units Rented Not Occupied38
Vacant Housing Units For Sale766
Vacant Housing Units Sold Not Occupied181
Vacant Housing Units For Seasonal Occasional Use4519
Vacant Housing Units All Other Vacants2211
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent10
Housing Tenure Occupied Units31020
Housing Tenure Occupied Units Owner Occupied23548
Housing Tenure Occupied Units Owner Occupied Population58450
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied7472
Housing Tenure Occupied Units Renter Occupied Population18840
Housing Tenure Occupied Units Renter Occupied Average Household Size3