Santa Fe, TX Homeowners Insurance Rate Quotes!

Shopping online for a new homeowners insurance policy in Santa Fe just got a bit easier. Our website GetHomeInsuranceQuotes.com is here to help you find a great policy at the right price and our customer service reps will make sure that the whole insurance buying process is easy and stress free.

We work with dozens of highly trusted brand name insurance carriers that have been in business for decades so you can be confident that they will be there to help if you ever need to make a claim.

Our licensed Santa Fe insurance consultants are happy to help you compare multiple insurance quotes, advise you on what coverages are right for you and answer any questions you may have throughout the entire shopping process.

We will pull rates from up to 12 different insurance companies and present you with the best options for your home. All of our insurers are highly rated by A.M. Best and our service professionals will guide you through the maze of Texas home insurance options so you can be confident that you get the best coverage at an affordable price. Easily start your quote today by entering your Santa Fe zip code today!

Santa Fe Home Insurance Rate on Average

Rates depend on many factors, every policy is different because every home is different. Homeowners in Santa Fe are paying on average around $1,500 per year. Most homeowners insurance policies are paid annually, but home insurance normally cost around $125 per month for homes in the Santa Fe area. With discounts applied, some are seeing rates as low as $1,250 per year. More expensive homes that cost more to rebuild or replace are seeing rates higher in the $1,800 per year range. We can help you review which insurance company is best based on price, savings and most of all coverage options. Let us help you shop rates today!

These rates are for a standard homeowners insurance policy, which covers not only the structure of your home but also your contents and other detached structures on your property. In addition, all of our homeowner policies offer liability coverage in case someone is injured on your property as well as medical payments and loss of use coverage.

Insurance can be complicated and confusing but we will be with you every step of the way to help explain the various coverages and answer any questions you may have about your new insurance policy. We can also help identify other risks that may exist around your house, as an example, flood risk. If it turns out your house is in a high-risk area for flooding, we can help you find an affordable flood insurance policy.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.

Compare Homeowners Insurance Rates in Santa Fe, TX!

Get up to 12 competitive Santa Fe, TX homeowners insurance rates all in one place!

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 Rates Nearby Santa Fe

Are you looking for homeowners insurance in a city near Santa Fe? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Santa Fe, TX

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Santa Fe.

77510, 77517,

Santa Fe, TX Home Insurance Average Premiums

Local Santa Fe, TX home insurance quotes comparison

$1250 /yr.

Shows Santa Fe's lowest average rates with discounts applied.

For the city of Santa Fe, 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)	$1250 /yr.
Average Coverage:	$1500 /yr.
2600 sq. ft. or higher (all discounts applied)	$1800 /yr.

What is the average home insurance cost for a home in Santa Fe, TX?

• The average homeowners insurance premium paid annually for a home in Santa Fe is around $1500 per year.

What does it cost on average per month for home insurance in Santa Fe, TX?

• Homeowners in Santa Fe pay an average cost per month around $125.00 for insurance coverage.

Santa Fe, TX Coastal Wind, Hail & Flood Information

Santa Fe 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 Santa Fe is know for it's beautiful beaches and waterways. Because Galveston County (FIPS: 48167) 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 Santa Fe, TX.

Coastal Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates

Santa Fe, TX - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$292,961	$283,071
February	$292,830	$287,416
March	$294,288	$292,353
April	$294,920	$296,021

Homeowners insurance will help cover the cost to repair or replace your Santa Fe 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 Santa Fe
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 Santa Fe, TX homeowners insurance rates all in one place!

Saving Money Tips on Santa Fe Home Insurance

A great way to save money on Santa Fe 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 Santa Fe 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
23 ft.	This is the average home elevation in Santa Fe, 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 Santa Fe, 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. Call Now for Flood Insurance Quotes: 888-620-1954! 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.

Elevation

Details

Homeowners Tips

23 ft.

This is the average home elevation in Santa Fe, 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 Santa Fe, 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.

Call Now for Flood Insurance Quotes: 888-620-1954!

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 Santa Fe, 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 Galveston County.

Texas Homeowners Insurance News & Information

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 […]
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 […]

Santa Fe, TX Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Santa Fe 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 Santa Fe, TX?

- The average square footage in Santa Fe is around 1,428 Sq. Ft. which would cost you around $184,240 to replace the home if you base the home on the price to build per square foot of $129.

Minimum Replacement Cost Total: $184,240

Location: Santa Fe, Texas (Galveston County)

Average Building Cost Per Square Foot in Santa Fe: $129 (low end)

Average Square Footage in Santa Fe: 1,428 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$129	$184,240
Some Additional Upgrades	$161	$230,300
Major Home Updates or Advancements	$194	$276,360

Calculate Your Santa Fe, TX Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($129) in Santa Fe, 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.