How Much Does Homeowners Insurance Cost in Lubbock, TX?
Lubbock pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Lubbock's diversified economy.See our methodology
Homeowners Insurance Pricing in Lubbock, TX
Lubbock is one of the more affordable markets for homeowners insurance, with costs running about 18% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 255K-population metro area is straightforward.
Local climate plays a direct role in homeowners insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Lubbock: no state income tax in many Southern states helps keep overall costs lower.
Lubbock has moderate permitting requirements. Depending on the scope of your homeowners insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Lubbock vs National Average
What Affects Homeowners Insurance Cost in Lubbock?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
Lubbock Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
📐 Homeowners Insurance in Lubbock Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Homeowners Insurance Pros in Lubbock, TX
7 providersAll-Pro Roofing & Siding
⭐ PREMIUMServing Lubbock and surrounding areas since 2013. Licensed, insured, and committed to quality workmanship at fair prices.
Reliable Property Services
Apex Property Services
Are You a Homeowners Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for homeowners insurance in Lubbock, TX.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Homeowners Insurance in Lubbock
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Lubbock Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $126 | — |
| 2021 | $131 | +4.0% |
| 2022 | $139 | +6.1% |
| 2023 | $143 | +2.9% |
| 2024 | $148 | +3.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Lubbock
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Why does homeowners insurance cost different in Lubbock than other cities?
Lubbock's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Homeowners Insurance Cost in Nearby Cities
Related Cost Guides for Lubbock
Popular Services in Lubbock
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.