Save Up to 40% Per Year on Home Insurance
Get the protection you deserve at a rate you can afford.
We have access to 100+ leading carriers in Texas to find the best insurance for your home and family.
“Richey Insurance Agency works for you, not just one insurance agency!”
Our team is here to guide you throughout the whole process and will help you find the best insurance coverage for your Houston home.
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Home insurance costs in Houston are influenced by factors like weather risks and property characteristics. The national average for homeowners insurance is $1,915 annually for $300,000 in coverage, but rates in Houston often exceed this due to its location. Proximity to the Gulf Coast increases the likelihood of claims, pushing premiums higher.
Each home is unique, so actual rates depend on factors like the home’s age, construction materials, and claims history. By working with an experienced agency, you can compare options and make informed choices that balance coverage and cost.
Standard home insurance policies in Houston typically offer:
Additional endorsements can expand your coverage for specific risks.
Houston homeowners face unique challenges that standard insurance doesn’t always address. Flood insurance is a must for many residents, especially given the city’s history of severe flooding events. It provides coverage where traditional policies fall short, particularly for water damage caused by rising waters.
Windstorm and hail coverage is another important addition for coastal areas. Strong winds and hailstorms can cause significant damage to roofs, windows, and siding. Adding these protections strengthens your policy and shields you from Houston’s unpredictable weather.
With over 16 years of experience, Richey Insurance Agency has built a reputation for delivering personalized service and dependable advice. Partnering with more than 100 carriers, we provide tailored options to suit every homeowner’s needs. Our local expertise means we understand Houston’s challenges and can help you secure the right coverage at the best price.
Finding affordable home insurance in Houston can feel overwhelming. Richey Insurance Agency simplifies this process by comparing rates across dozens of carriers to uncover cost-effective solutions. With access to exclusive discounts and in-depth knowledge of the industry, we help you maximize value without compromising protection.
We go beyond basic comparisons by identifying opportunities to save. Whether it’s adjusting deductibles, bundling policies, or recommending safety upgrades, we work with you to create a strategy that aligns with your budget and coverage needs.
Speak To Our Experts
281-360-4646
"Richey Insurance Agency, I love this wonderful company and all the people who work there, they are caring about people like me, that have trouble sometimes communicating or don’t have the resources to get things done right. I’m very grateful to the whole company for their support and fantastic work and help that I’ve been getting from them, thank you guys so much, keep up the good work and amazing attitude as well!"
"If you want to save thousands of dollars on home owners insurance this is the company. They'll do all the research for Auto and Home Owners and gave you all kinds of options! You owe it to yourself to at least have them check what's available."
"I would like to HIGHLY RECOMMEND Riches Insurance Agency for anyone that is shopping around for insurance!!! I am SO VERY HAPPY to say that collectively they just saved me $1,921/yr on my Home and TWIA insurance!!! Abbey is absolutely AMAZING, she is very thorough and helped me to understand all of my options!!!! Thank you very much, I greatly appreciate all your efforts!"
"My wife and I have been with Richey Insurance for more than 10 years. Probably more than 15yrs. Of all that time, I feel we have very good customer service excluding one time during Covid when they was short on employees and a major insurance company closed policies so they were busy contacting customers and writing new policies. I like how they managed my accounts and hope they stay in business many more years! Lastly, we was helped by Neesha Heesen this last time. Very professional and kept me informed via phone, text and email."
"I had the opportunity to work with Clint Richey and all I can say is that he took such good care of my clients that they were overwhelmed with the excellent customer service. The cost of the insurance policy was substantially lower and the amount of coverage was superior, to other policies that were reviewed. Clint Richey and his staff did a great job, and I will continue to send my clients over to Clint Richey's Insurance Agency."
Speak To Our Experts
346-250-0962
The amount of coverage you need depends on your home’s full replacement cost. This calculation includes rebuilding expenses like materials, labor, and compliance with current building codes. A detailed assessment with an experienced agent ensures your coverage aligns with the actual cost to restore your property after a disaster.
Bundling home and flood insurance provides convenience and potential cost savings. While flood insurance is typically purchased separately, combining it with your homeowners policy through the same agency simplifies management. Richey Insurance Agency offers tailored bundling options to help you stay protected from all risks.
The 80% rule requires insuring your home for at least 80% of its replacement cost to avoid penalties during a claim. If your coverage falls below this threshold, reimbursement for damages may be reduced. Regular reviews with your insurance agent help keep your coverage up to date and avoid shortfalls.
Several factors contribute to Houston’s elevated insurance rates. The city’s susceptibility to hurricanes, flooding, and hailstorms creates higher risks for insurers. Additionally, increasing property values and construction costs have driven up premiums over time. Proactive policy reviews and exploring discounts can help manage costs effectively.
Rising construction costs and frequent weather events are driving an upward trend in insurance premiums nationwide. Houston’s vulnerability to natural disasters makes it no exception. Reviewing your policy regularly and working with an agency that prioritizes savings opportunities can help you navigate these changes.
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