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Best cheap home insurance in Fort Worth in 2025
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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
Why USAA made our list: USAA is only available to military members, veterans and their qualifying family members. But, if you qualify for a policy or happen to be stationed at the Naval Air Station Joint Reserve Base, you might want to get a quote. USAA automatically insures your personal belongings at replacement cost value (versus actual cash value), which usually costs extra with other companies, and its base policies come with up to $5,000 of identity theft protection.
Why USAA may be the best overall: USAA’s strict eligibility criteria exclude it from J.D. Power ranking, but it is consistently a high scorer. It scored above average in both the 2025 U.S. Property Claims Satisfaction Study and the 2024 U.S. Home Insurance Study. It also scored above the segment average in the service category of the 2025 U.S. Insurance Digital Experience Study, although it scored below the segment average for the digital shopping experience. Along those lines, it's important to note that USAA does not have any brick-and-mortar agency locations, and policies are managed completely online and over the phone. USAA also tied for the Best Home Insurance Company Overall Bankrate Award for the fourth year in a row.
| Bankrate Score | 4.8 |
| J.D. Power | 737/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Nationwide made our list: Nationwide has a strong selection of coverage endorsements like identity theft protection, water backup, service line coverage and equipment breakdown. The company also has a few other more specialized coverage choices like Better Roof Replacement and Brand New Belongings. It was ranked above average both in the J.D. Power property claims satisfaction and home insurance studies.
Why Nationwide may be the best budget coverage: Nationwide won the Best for Bundling Home and Auto Insurance Bankrate Award in 2025 because of the company’s valuable discount for bundled policies and ease of securing coverage for multiple insurance products all in one place. Beyond that, Nationwide advertises nine different savings opportunities across different categories. Fort Worth homeowners can save based on their roof quality, living in a gated community, installing protective devices and remaining claims free (to name a few).
| Bankrate Score | 4.2 |
| J.D. Power | 641/1,000 |
| AM Best Rating | A |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why State Farm made our list: State Farm holds roughly 18 percent of the U.S. home insurance market, making it the single most popular home insurance company. It scored above the segment average for customer satisfaction in the J.D. Power home insurance study, as well as in the digital experience study for both service and shopping. However, the company does offer fewer discounts than some competitors.
Why State Farm may be best digital experience: State Farm ranked above average for both service and shopping in the J.D. Power digital experience survey. The company also offers several options for policy customization and allows for claims and policy management through its highly rated mobile app. Further, State Farm sells a wide range of other insurance products, such as auto and life coverage, which may make managing multiple insurance products more convenient.
| Bankrate Score | 4.1 |
| J.D. Power | 643/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. annual premium
$300K dwelling coverage
JD Power
Why Farmers made our list: Farmers offers the standard array of home insurance coverage options and plenty of add-on options to consider for policy customization. The company also offers a wide range of home insurance discounts for eligible policyholders. However, while the company has several positives, it scored below the segment average on the J.D. Power 2025 U.S. Property Claims Satisfaction Study.
Why Farmers may be best for custom policies: Some homeowners need more tailored coverage, which Farmers could be good for. With the Farmers Flex policy, you can choose from a variety of coverage endorsements like extended replacement cost, guaranteed replacement cost, ordinance coverage, home sharing, water backup and more.
| Bankrate Score | 3.6 |
| J.D. Power | 609/1,000 |
| AM Best Rating | A |
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
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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 $2,408. 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
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|
$194
|
$2,332
|
|
|
$226
|
$2,708
|
|
|
$280
|
$3,355
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|
|
$410
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$4,920
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|
|
|---|---|---|
|
Armed Forces
|
$190
|
$2,281
|
|
$217
|
$2,602
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|
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$252
|
$3,029
|
|
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$306
|
$3,669
|
|
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$444
|
$5,329
|
|
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|
|
|---|---|---|
|
Armed Forces
|
$227
|
$2,724
|
|
$254
|
$3,049
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|
|
$305
|
$3,655
|
|
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$348
|
$4,174
|
|
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$519
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$6,231
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|---|---|---|
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$324
|
$3,891
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|
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Armed Forces
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$349
|
$4,188
|
|
$435
|
$5,223
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|
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$455
|
$5,464
|
|
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$742
|
$8,905
|
Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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 $4,340 per year, while the average cost of home insurance in Texas is $4,101. To compare, the national average cost of home insurance is $2,408.
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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|---|---|---|---|---|
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Armed Forces
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$3,192
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$2,205
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$2,079
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$1,937
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$6,029
|
$2,573
|
$2,332
|
$1,695
|
|
|
$3,538
|
$2,747
|
$2,708
|
$2,565
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|
|
$4,572
|
$3,532
|
$3,355
|
$3,066
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|
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$12,575
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$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.
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|---|---|---|---|---|---|
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Armed Forces
|
$2,198
|
$2,151
|
$2,146
|
$2,163
|
$1,988
|
|
$2,915
|
$2,949
|
$3,006
|
$3,552
|
$1,944
|
|
|
$3,920
|
$3,985
|
$3,947
|
$3,583
|
$2,424
|
|
|
$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.
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|
|---|---|---|---|
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Armed Forces
|
$2,079
|
$1,831
|
$1,589
|
|
$2,172
|
$2,016
|
$1,466
|
|
|
$2,459
|
$2,459
|
$2,010
|
|
|
$3,355
|
$3,355
|
$3,326
|
|
|
$4,920
|
$4,920
|
$4,685
|
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 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.
