How Much Does Homeowners Insurance Cost in Waco, TX?
Waco pricing is 18% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Waco's diversified economy.See our methodology
Homeowners Insurance Pricing in Waco, TX
Waco 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 140K-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 Waco: no state income tax in many Southern states helps keep overall costs lower.
Waco 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.
Waco vs National Average
What Affects Homeowners Insurance Cost in Waco?
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
Waco 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
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Top-Rated Homeowners Insurance Pros in Waco, TX
6 providersQuality HVAC Solutions
🏆 SPONSOREDServing Waco and surrounding areas since 2012. Licensed, insured, and committed to quality workmanship at fair prices.
Patriot Contractors
⭐ PREMIUMServing Waco and surrounding areas since 1994. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Contractors
⭐ PREMIUMServing Waco and surrounding areas since 2017. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Homeowners Insurance in Waco
- 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 Waco 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 Waco
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 Waco than other cities?
Waco'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.
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