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Protect your Houston home with coverage built around your property and needs.
We have access to 100+ leading carriers in Texas to find the best insurance for your home and family.
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A typical homeowners policy can protect your home, belongings, and finances from covered losses.
Helps repair or rebuild your home after a covered loss, including the structure, roof, and permanently attached features.
Helps cover qualifying structures on your property, such as detached garages, sheds, and fences.
Helps replace or repair covered belongings such as furniture, clothing, electronics, and appliances.
Helps protect you financially if you’re legally responsible for someone else’s injury or covered property damage.
Helps cover certain medical expenses when a guest is injured on your property, subject to policy limits.
Can help pay certain extra living costs if a covered loss temporarily makes your home unlivable.
Coverage, limits, deductibles, and exclusions vary by policy. Comparing those details, not just the premium, is essential when choosing homeowners insurance.
Houston homeowners face a combination of flooding, wind, hail, and tropical weather risks that can make the details of a homeowners policy especially important.
Flooding: Hurricane Harvey showed that flood risk isn’t limited to mapped floodplains. Harris County Flood Control District reported that approximately 68% of structural damage from Harvey occurred outside the mapped 100-year floodplain. Standard homeowners insurance generally doesn’t cover flood damage, so Houston homeowners should consider their property’s flood exposure separately.
Wind and hail: Texas Department of Insurance data shows wind and hail have accounted for an average of 62% of Texas homeowners’ losses since 2019. For Houston homeowners, that makes it important to understand wind and hail coverage, deductibles, exclusions, and roof provisions, not simply whether the policy lists wind and hail as covered.
Your property matters, too: Roof age and condition, construction, replacement cost, claims history, and the home’s specific location can all affect available coverage and pricing. Richey can compare options from multiple carriers and help you understand the differences before choosing a policy.
Get a free home insurance comparison from Richey Insurance Agency. We compare coverage options from 100+ leading carriers to help you find coverage that fits your home and needs.
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According to Richey Insurance Agency’s analysis, the average cost of homeowners insurance in Houston ranges between $5,391 and $7,855 per year, roughly $450 to $655 per month, for a standard policy with $300,000 in dwelling coverage.
Houston premiums are roughly 56% higher than the Texas statewide average and more than double the national average, with severe weather risks such as hurricanes, tropical storms, and hail contributing to the higher cost.
Your actual premium can be higher or lower depending on your home’s location, replacement cost, age and condition, roof, coverage limits, deductibles, claims history, and the insurer you choose.
The takeaway: The Houston average is a market reference, not a guaranteed rate. Richey can compare available options and help you evaluate both the price and the coverage behind it.
Richey Insurance Agency works with 100+ insurance carriers, giving Houston homeowners access to multiple insurance options instead of a single insurer. That matters because companies can differ in pricing, underwriting, deductibles, and coverage for the same property.
Clinton Richey has worked in insurance since 1990, giving the agency decades of experience helping Texas customers navigate their insurance needs. Richey also serves homeowners with related coverage options, including flood and windstorm insurance, important considerations in the Houston market.
Richey focuses on helping customers compare the coverage behind the price, including limits, deductibles, exclusions, and property-specific considerations. The agency also has hundreds of customer reviews reflecting the experiences of people it has served.
“When homeowners compare insurance, it’s easy to focus on the premium and overlook what the policy actually covers. We encourage our customers to look at the coverage, deductibles, and exclusions together, because the cheapest policy isn’t necessarily the one that gives them the protection they need.”
Clinton Richey, Founder, Richey Insurance Agency
Approximately 68% of structural damage reported from Hurricane Harvey occurred outside the mapped 100-year floodplain, according to the Harris County Flood Control District. For Houston homeowners, the takeaway is simple: being outside a mapped floodplain doesn’t necessarily mean flood coverage isn’t worth considering.
Across Texas, wind and hail have accounted for an average of 62% of homeowners’ losses since 2019, according to the Texas Department of Insurance. While this is a statewide figure rather than Houston-specific, it highlights why Houston homeowners should pay close attention to wind and hail coverage and deductibles.
For Houston homeowners, these numbers reinforce an important point: the right policy isn’t just about finding a lower premium. Understanding flood protection, storm coverage, deductibles, and the specific terms of your policy can make a meaningful difference when a loss occurs. Richey can help compare those options across its carrier network.
Choosing homeowners insurance is about more than finding a price that looks good on paper. Houston homeowners have local considerations that can affect coverage, deductibles, and insurance costs.
Clinton Richey has worked in insurance since 1990, and Richey Insurance Agency was founded in 2008. Today, the agency works with 100+ insurance carriers, helping Houston homeowners compare available options and find coverage that fits their property and circumstances.
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"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."
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Get clear answers to the home insurance questions homeowners ask us most.
A standard homeowners policy generally does not cover flood damage, and coverage can also be limited or excluded for certain types of losses depending on the policy. In Houston, it’s especially important to understand how flood, wind, hail, and other storm-related risks are treated before choosing a policy.
It may be worth considering, even if your property isn’t in a mapped floodplain. Hurricane Harvey demonstrated that significant flooding can occur outside mapped high-risk areas. Standard homeowners insurance generally does not cover flood damage, so your property’s location and flood exposure should be evaluated separately.
Richey Insurance Agency offers flood insurance to help Houston homeowners explore coverage for flood-related risks.
A wind or hail deductible determines how much you may have to pay out of pocket before insurance pays for a covered loss. Depending on the policy, it may be a percentage rather than a fixed dollar amount. Because Houston is exposed to severe thunderstorms, hail, tropical storms, and hurricanes, understanding this deductible is especially important when comparing policies.
Houston homeowners face several factors that can increase insurance costs, including severe storms, hail, tropical weather, hurricane exposure, and rising property replacement costs. Richey’s analysis puts the average Houston homeowners insurance cost at $5,391–$7,855 per year for a standard policy with $300,000 in dwelling coverage. Your actual premium can vary significantly based on your property, coverage, deductible, claims history, and insurer.
Yes. Roof age, condition, materials, and replacement cost can affect which coverage options are available and how much you pay. This is particularly relevant in Houston because wind and hail are significant sources of homeowners insurance losses in Texas. When comparing policies, Richey can help you understand how different insurers treat your property’s roof and storm-related coverage.
Yes. Richey Insurance Agency provides both homeowners and flood insurance, allowing you to consider these coverages together. Since a standard homeowners policy generally doesn’t cover flood damage, looking at both can help you better understand how your home is protected against Houston-area risks.
