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Homeowners Insurance in Austin, TX

With its bustling nightlife and laid back atmosphere, there are a multitude of reasons to call Austin home. If you’re looking to buy a house in the capital of Texas, homeowners insurance is a must-have to ensure you and your property are protected. Mercury is one of the best home insurance providers in Austin, offering top-tier coverage at an affordable rate. Learn more about our homeowners insurance options, then contact us for a fast, free quote.

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What Does a Home Insurance Policy in Austin Cover?

When you choose Mercury, a local agent can help curate a home insurance policy that meets your specific needs. Here are some of the coverage options to keep you and your property protected in Austin:

Dwelling Coverage

Dwelling coverage helps cover the costs to repair or rebuild the physical structure of your home in the event of a covered loss. For example, if your pipes burst during a winter storm and damage your walls, or severe winds knock over a tree and land on your roof, dwelling coverage can help pay for those resulting expenses.

Other Structures

Other structures coverage is part of your home insurance policy that helps cover assets that aren’t connected to your house or built into your home’s foundation. Examples include carports, detached garages, fences, sheds, aboveground or in-ground pools, and driveways.

Personal Property

Personal property coverage helps protect your belongings in a covered loss. For example, if your sofa is damaged in a fire, this coverage could help recoup the costs of replacing your couch. Personal property coverage can also protect belongings outside of your home. For instance, you could file a claim for theft if someone steals your bike while it was locked up at a local coffee shop.

You may also want to consider getting additional personal property coverage to protect your high-value items such as fine art, jewelry, and antiques.

Extended Replacement Cost

Extended replacement cost offers up to 150% of your dwelling’s policy limits to rebuild your home following a covered loss such as a fire, storm, or other similar perils. So if you have a dwelling policy of $200,000, you could receive up to $500,000 to repair or rebuild your damaged property.

Personal Liability

Personal liability helps protect you financially if you’re held legally responsible for damages or injuries to others. For example, if a mechanic slips and falls on your driveway or your child accidentally throws a football through your neighbor’s window, personal liability can help pay for subsequent expenses.

Additional Living Expenses

This type of coverage helps pay additional expenses you incur when your house becomes uninhabitable due to a covered loss. For example, if a fire or tornado leaves your home uninhabitable, this coverage may help cover expenses such as hotel stays and meals.

Guest Medical Protection

Guest medical protection helps cover costs related to injuries that occur on your property. For example, if you throw a house party and a guest trips and falls on your stairs, this coverage can help pay for any necessary medical expenses. Guest medical protection also applies if you accidentally cause injury to someone outside your property.

Identity Theft Protection

If you fall victim to identity theft, this coverage can help pay for any resulting expenses, which may include lost income, notaries, attorney fees, mailing costs, and loan applications.

How Much is Homeowners Insurance in Austin?

According to Policygenius, the average cost of homeowners insurance in Austin is around $2,196 per year — or $183 a month. While this rate is lower than the average statewide cost of $3,080 per year, it’s higher than the national average of $1,899. Your homeowners insurance cost depends on several factors such as your property, coverage limits, deductible, and home insurance rate..

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*Individual savings may vary.

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How to Save on Home Insurance in Austin

Mercury already offers cheap homeowners insurance in Austin, but you can save even more when you take advantage of our discounts. Check out some of the options available:

  • Home safety discounts — If you purchase home safety devices for fires, burglaries, and water leaks, you may be eligible for a discount.
  • Homeowners association discount — You may qualify for a discount if you belong to a homeowners association.
  • Newer home discount — If you own a home that was built fewer than 10 years before your effective policy date, you may get a discount.
  • Loss-free discount — If you haven’t had any loss claims for three or more consecutive years, you could receive a discount.
  • Multi-policy discount — You can enjoy big savings when bundling your home and auto insurance plans
  • Paid in full discount — You could receive a discount of up to 10% if you pay your insurance policy in full.
  • Green home discount — You can receive up to a 5% discount if your home has a green certification by the U.S. Green Building Council LEED rating system or meets the National Association of Home Builders Green Building Guidelines (NAHB) requirements

Ready to insure your Austin home? Contact us today for a fast, free home insurance quote.