Port Aransas, TX Homeowners Insurance Rate Quotes!
Comparing homeowners insurance rates in Port Aransas has never been easier. At GetHomeInsuranceQuotes.com (GHIQ), our licensed insurance agents help local homeowners review multiple coverage options quickly and confidently - all from the comfort of home.
We understand that protecting your property is one of the most important financial decisions you'll make. Our streamlined quoting process allows you to compare personalized proposals based on your home's characteristics, coverage needs, deductible preferences, and available discounts. The average homeowners insurance premium in Port Aransas is approximately $154 per month, but your individual rate may vary depending on several risk factors.
Our goal is simple: help you secure the right coverage at a competitive price without sacrificing protection.
Average Home Insurance Rates in Port Aransas
Homeowners in the Port Aransas area pay an average of about $1,845 per year for a standard HO-3 policy on a single-family home. Smaller homes with lower replacement costs may see premiums starting around $1,595 annually. Larger homes or properties with higher rebuild values typically carry premiums of $2,145 per year or more due to increased construction and material costs.
Because every home is unique, we recommend reviewing coverage details carefully rather than focusing on price alone. Adequate dwelling coverage, personal property limits, and liability protection are critical when it comes to long-term financial security.
Compare Quotes from Multiple Top-Rated Carriers
At GHIQ, we provide premium comparisons from up to 12 or more nationally recognized insurance companies. The carriers we work with are highly rated for financial strength, giving homeowners peace of mind that their insurer will be there when a claim occurs.
By reviewing multiple proposals side by side, you can evaluate both pricing and coverage differences — ensuring you're not underinsured or overpaying.
Many of our clients are surprised to learn they may qualify for additional savings through bundle discounts, protective device credits, claims-free incentives, or updated home features. In some cases, we help homeowners reduce their current premium by up to 40% while maintaining or even improving coverage.
Compare Homeowners Insurance Rates in Port Aransas, TX!
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About Our Service in Texas
We are providing the most competitive homeowners insurance rates in Texas. Our quoting process is very quick and easy to use when you want to compare over 16 competitive rates all in one place. Our office is located in the heart of Austin, Texas and we are ready to help you compare the most affordable home insurance options and discounts with the most enhanced coverage options. Our rates will be generated from companies like: American Risk Insurance, Bankers Insurance Group, Centauri, Cypress Texas Insurance, Encompass Insurance, GeoVera Specialty, Gulfstream Property & Casualty, Home Owners of America, Lighthouse Property Insurance, Mission Select, TWICO, Universal North America (UIHNA), United property and casualty, Wellington, American Modern, Safeco and many more. Let us help you shop the lowest Texas rates available, start your quote online now or give us a call at 877-480-7274. We look forward to working with you!
Average Home Insurance Rates Nearby Port Aransas, TX
Are you looking for homeowners insurance in a city near Port Aransas? We offer services in your local area, rates and coverages are available and best reviewed by zip code, please enter your zip code to get the best homeowners insurance rates available near Port Aransas, TX. Below are some of our most recent quoted areas near Port Aransas.
Home Insurance Rates by Zipcode in Port Aransas, TX
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Port Aransas.
Port Aransas, TX Home Insurance Average Premiums
$1595 /yr.
For the city of Port Aransas, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $1595 /yr. |
| Average Coverage: | $1845 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $2145 /yr. |
What is the average home insurance cost for a home in Port Aransas, TX?
- • The average homeowners insurance premium paid annually for a home in Port Aransas is around $1845 per year.
What does it cost on average per month for home insurance in Port Aransas, TX?
- • Homeowners in Port Aransas pay an average cost per month around $154.00 for insurance coverage.
Port Aransas, TX Coastal Wind, Hail & Flood Information
Port Aransas is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Flood Zone Notice: The beautiful coastal city of Port Aransas is know for it's beautiful beaches and waterways. Because Nueces County (FIPS: 48355) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Port Aransas, TX.
Coastal Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates
Port Aransas, TX - 2026 Average House Value & Dwelling Information
| Month | Current Home Value (2025-2026) |
|---|---|
| January 2026 | $555,709 |
| December 2025 | $555,705 |
| November 2025 | $555,245 |
| October 2025 | $555,295 |
| September 2025 | $556,415 |
Homeowners insurance will help cover the cost to repair or replace your Port Aransas home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Port Aransas
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person's property, your child hitting a baseball through a neighbor's window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Port Aransas, TX homeowners insurance rates all in one place! |
What Does a Standard Homeowners Policy Cover?
A typical homeowners insurance policy in Port Aransas includes protection for:
- Dwelling Coverage – Protects the structure of your home
- Other Structures – Covers detached garages, sheds, barns, and similar outbuildings
- Personal Property – Covers furniture, electronics, clothing, and belongings
- Loss of Use – Helps pay temporary living expenses if your home becomes uninhabitable due to a covered loss
- Personal Liability – Protects you against lawsuits or injury claims
- Medical Payments – Covers minor injuries to guests regardless of fault
Our agents will walk you through your coverage line by line so you fully understand what is included — and what may require additional endorsements. We also review optional protections such as flood or earthquake coverage, where applicable.
Saving Money Tips on Port Aransas Home Insurance
A great way to save money on Port Aransas homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount's insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Port Aransas area? Check out what homeowners are paying on average for Texas homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 1 ft. | This is the average home elevation in Port Aransas, TX | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Port Aransas, Texas. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Port Aransas, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Nueces County.
Texas Homeowners Insurance News & Information
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Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026
Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]
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Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025
According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]
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Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024
Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]
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Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024
While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]
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Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]
Port Aransas, TX Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Port Aransas so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Port Aransas, TX?
- The average square footage in Port Aransas is around 2,733 Sq. Ft. which would cost you around $352,500 to replace the home if you base the home on the price to build per square foot of $129.
Minimum Replacement Cost Total: $352,500
Location: Port Aransas, Texas (Nueces County)
Average Building Cost Per Square Foot in Port Aransas: $129 (low end)
Average Square Footage in Port Aransas: 2,733 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $129 | $352,500 |
| Some Additional Upgrades | $161 | $440,625 |
| Major Home Updates or Advancements | $194 | $528,750 |
The dwelling coverage is calculated by the average cost per square foot ($129) in Port Aransas, Texas times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $403,125 (Media price to build of $161 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.