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Affordable Homeowners Insurance
in Amarillo, TX — Compare
Quotes from 50+ Carriers

Amarillo homeowners face significant hail and high-wind risks that can damage roofs, siding, windows, and other parts of a property. Severe storms make dependable home insurance important for protecting your investment and finances. A-State Insurance is an independent agency with 5+ years of experience serving Texas homeowners. We compare options from multiple carriers and offer bilingual agents who can help you choose coverage, limits, and deductibles suited to your home and budget.

Why Amarillo Homeowners Need Local Coverage

Amarillo homeowners face risks that can vary significantly from those in other Texas communities, including frequent hailstorms, high winds, severe weather, and localized flooding. Generic national insurance recommendations may not fully account for these conditions or how they can affect roof coverage, deductibles, exclusions, replacement costs, and policy limits.

Local knowledge helps ensure your homeowners insurance reflects the characteristics of your property and the risks common in the Amarillo area. A-State Insurance provides an independent agency advantage by comparing options from multiple carriers rather than limiting you to one insurer. This can make it easier to evaluate coverage, pricing, deductibles, and available endorsements based on your home's specific needs. The goal is to help Amarillo homeowners choose practical protection without paying for coverage that does not fit their situation.

Neighborhoods We Serve in Amarillo, TX

Amarillo High
Belmar
Bivins
Bishop Hills
Blue Sky
Bushland
City Transit
City View
Cliddon
Colonies
Country Club
Coulter
Crossings
Denworth
Downtown Amarillo
East Amarillo
Eastridge
Estacada
Fannin
Forest Hill
Gentry
Glenwood
Greenways
Hamlet
Hillside
Hollywood
Juarez
Lake Tanglewood
Lakeview
Lawrence
Line Avenue
Magnet
Martin Road
Masterson
Medical District
Mesa Verde
North Amarillo
Oakdale
Olsen Park
Paramount
Plemons
Puckett
Ridgeview
River Road
San Jacinto
Sleepy Hollow
South Amarillo
South Side
Southlawn
Southpark
Spring Canyon
Tascosa
Timbercreek Canyon
Tradewinds
West Amarillo
Western Plateau
Westview
Wildorado
Wolflin
Woodlands

What Does Homeowners Insurance Cover in Amarillo, TX?

Homeowners insurance can protect your Amarillo property against losses affecting the dwelling, other structures, personal belongings, and certain liability claims. Depending on the policy, coverage may also help with additional living expenses when a covered loss makes your home temporarily unlivable. Optional endorsements can provide added protection for risks such as sewer and water backup, ordinance or law costs, extended replacement expenses, and identity theft.

Dwelling Coverage

Pays to repair or rebuild your home's main structure after covered losses such as hail, wind, fire, or other listed perils. Limits should reflect your home's estimated replacement cost needs.

Other Structures Coverage

Helps pay for covered damage to detached structures such as garages, sheds, fences, and other buildings. Insurance coverage depends on your policy limits, deductible, and covered causes of loss.

Personal Property Coverage

Helps repair or replace belongings damaged, destroyed, or stolen after a covered event. Furniture, clothing, electronics, and appliances may qualify, subject to limits and applicable deductibles.

Liability Protection

Helps protect you financially if you are legally responsible for covered injuries to others or property damage. It may help with legal costs, settlements, or judgments within policy limits.

Loss of Use / Additional Living Expenses

Helps pay necessary extra living costs when covered damage makes your home unlivable. Eligible expenses may include temporary housing, meals, transportation, and other reasonable costs during repairs.

Medical Payments to Others

Can help pay reasonable medical expenses when a guest is accidentally injured on your property. Coverage is subject to policy terms and limits and may apply even when you are not legally responsible.

Sewer & Water Backup Coverage

Can help cover eligible damage when water backs up through a sewer or drain or overflows from a sump pump. This protection is often added by endorsement because standard policies may exclude it.

Ordinance or Law Coverage

Helps cover certain added repair or rebuilding costs required by current building codes after a covered loss. This coverage can be useful for older Amarillo homes needing code-related upgrades.

Extended Replacement Cost Coverage

May provide extra funds when rebuilding a covered home costs more than its dwelling limit after a covered loss. Availability, eligibility, and added limits vary by insurer and insurance policy.

Identity Theft Protection

May provide identity restoration services and limited reimbursement for eligible expenses after identity theft. Depending on the carrier, support may include monitoring, assistance, and documentation.

What Does Homeowners Insurance NOT Cover in Amarillo, TX?

Standard homeowners insurance does not cover every type of property loss. Common exclusions include flood damage, earthquake or earth movement, normal wear and tear, poor maintenance, pest damage, mold in certain circumstances, intentional damage, and losses from war or nuclear hazards. Sewer and drain backup may also be excluded unless added by endorsement. Business-related losses can have limited protection, so reviewing exclusions and optional coverage is important.

Flood Damage

Standard homeowners policies exclude rising or accumulating floodwater. A separate flood policy may be needed for properties exposed to flooding, where lenders or local risks require added protection.

Earthquake Damage

Earthquake-related ground movement and resulting damage are excluded from standard homeowners policies. Separate earthquake coverage may be available for homeowners seeking protection against losses.

Sewer & Drain Backup (if not endorsed)

Water backing up through a sewer or drain may not be covered unless the right endorsement is added. Review exclusions, limits, and deductibles before assuming this type of water damage is insured.

Mold & Fungus Damage

Mold or fungus damage may be excluded or limited, depending on its cause and policy terms. Sudden covered water damage may be treated differently from long-term moisture, leaks, or maintenance problems.

Wear, Tear & Neglect

Normal deterioration, aging, poor maintenance, and neglect are generally not covered causes of loss. Homeowners are responsible for maintaining the property and addressing problems before they worsen.

Pest & Vermin Damage

Damage from termites, rodents, insects, and other pests is generally excluded because it is considered a maintenance issue. Regular inspections and timely pest control can help prevent costly repairs.

Business Use of the Home

Standard coverage offers limited protection for incidental property, but regular business activities need separate coverage. Business equipment, inventory, and liability can require added protection.

Acts of War

Damage caused by war, military action, or similar hostile activities is excluded from standard homeowners insurance. Ordinary residential coverage is not designed to protect against these risks.

Nuclear Hazard

Losses involving nuclear reaction or radioactive contamination are generally excluded from standard homeowners policies. These risks fall outside ordinary residential property insurance protection.

Intentional Damage

Damage deliberately caused by the policyholder or another person acting may not be covered. Homeowners insurance is designed for accidental covered losses, not knowingly created property damage.

Amarillo-Specific Risks That Affect Your Policy

Flood Zone Exposure

Flood exposure can affect whether you need separate flood insurance because standard homeowners policies generally exclude flood damage. Your property's location, elevation, drainage, and proximity to flood-prone areas can influence the protection you should consider. FEMA's flood maps can help identify mapped hazards when evaluating whether additional insurance coverage, suitable limits, and a separate flood policy may be appropriate for your property in the area of Amarillo.

Hail & Roof Age

Hail is an important consideration when choosing homeowners coverage in Amarillo, and your roof's age and condition can affect premiums, deductibles, coverage availability, and claim settlement. Older or worn roofs may receive limited protection or require repairs before some carriers offer insurance coverage. Texas Department of Insurance guidance on roof replacement can help homeowners understand factors that may affect insurance decisions and future insurance coverage.

Wind/Hurricane Deductibles

Strong winds can cause roof, siding, window, and structural damage, making wind protection an important part of your policy review. Although Amarillo is inland, wind-related losses can still affect premiums, deductibles, and coverage terms. A higher insurance deductible may reduce your cost of insurance premium but increase what you pay after a covered loss. Texas guidance on windstorm insurance explains important coverage considerations when comparing the shortlisted policies.

Foundation & Soil Movement

Soil movement can contribute to foundation stress, cracking, shifting, and other structural concerns, which may affect underwriting and coverage decisions. Standard homeowners insurance may not cover damage caused by gradual settling, earth movement, or maintenance-related issues. Understanding how Texas soil affects foundations can help homeowners identify property conditions that should be disclosed when comparing coverage, reviewing exclusions, and choosing appropriate limits for their home.

Aging Infrastructure (older neighborhoods)

Older Amarillo homes may have aging plumbing, electrical systems, roofs, foundations, or other components that increase the likelihood of property claims. Insurers may consider system age when setting premiums, determining eligibility, requesting inspections, or applying coverage conditions. Research on aging infrastructure and residential property risks highlights why older systems can influence risk evaluation and why homeowners should review maintenance needs before selecting coverage.

Home Insurance Costs in Amarillo, TX

Home insurance costs in Amarillo depend on your home's replacement value, location, construction, age, roof condition, claims history, coverage limits, deductible, and selected carrier. Current data places the average homeowners premium at approximately $3,649 per year, or about $300 per month. Your actual rate may be higher or lower depending on storm exposure, property condition, coverage needs, discounts, and the insurer's underwriting criteria.

Average Annual Rate in Amarillo

Homeowners insurance rates in Amarillo vary based on the home's value, location, construction, roof age, claims history, deductible, coverage limits, and insurer. Current estimates differ by methodology, so homeowners should compare multiple quotes rather than rely on one citywide figure. Storm exposure, property condition, and coverage can also affect the final premium.

Insurance CompanyAverage Annual Premium
State Farm$4,452
USAA$4,776
Farmers$5,664
Chubb$15,684
Mercury$2,760

Source: MoneyGeek

Last Updated: August 2026

Disclaimer: The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

Average Cost of Home Insurance in Amarillo’s Largest ZIP Codes

Home insurance costs can vary across Amarillo ZIP codes because insurers consider location-specific risks, property values, and other underwriting factors. The ZIP code table above provides estimated annual costs for several major areas. These figures are averages, not guaranteed quotes, and your premium may differ based on your home's characteristics and selected carrier.

ZIP CodeNeighborhoodAverage Annual Cost
79124Northwest Amarillo$3,789
79101Downtown Amarillo$3,945
79159Central Amarillo$4,054
79107North Amarillo$4,100
79114Tascosa$4,315
79119Southwest Amarillo$5,110
79109South Amarillo$5,201

Last Updated: August 2026

Disclaimer: The information provided on this page is for general informational purposes only and may not reflect the most current updates. Coverage requirements, rates, and laws are subject to change. Please consult a licensed insurance agent for the most accurate and up-to-date information.

How Amarillo Rates Compare to the Texas State Average

Comparing Amarillo with broader Texas and national averages can provide useful context when reviewing homeowners insurance costs. However, these figures do not represent a guaranteed premium for any property. Rates can vary based on local weather exposure, home value, roof condition, claims history, coverage limits, deductibles, and the insurer's underwriting guidelines.

AmarilloTexas AverageNational Average
$488/mo$387/mo$201/mo

What Affects Your Homeowners Insurance Rate in Amarillo, TX?

Several factors can influence your homeowners insurance rate in Amarillo. Insurers may consider your home's age, dwelling value, construction type, roof age and materials, claims history, deductible, and coverage limits. Storm and hail exposure can also affect pricing and eligibility. Security systems, proximity to fire stations or hydrants, bundling policies, and prior flood claims may further influence your premium. Each carrier weighs these factors differently.

  • Home Age
  • Roof Age & Material
  • Construction Type
  • Claims History
  • Credit-Based Insurance Score
  • Distance to Fire Station/Hydrant
  • Home Security Features
  • Prior Flood Claims on Property
  • ZIP Code Risk Tier
  • Dwelling Value
  • Deductible Choice
  • Bundling Status

Discounts Available to Amarillo Homeowners

Amarillo homeowners may qualify for discounts that reduce their insurance premium, depending on the carrier and policy. Common opportunities include multi-policy bundling, newer roofs, gated communities, impact-resistant windows or storm protection, and paperless or automatic payments. Some insurers may also offer discounts for eligible seniors, nonsmokers, loyal customers, or professional affiliations. Ask your agent which discounts you qualify for before choosing a policy.

  • Multi-Policy Bundle Discount
  • New Roof Discount
  • Security System Discount
  • Claims-Free Discount
  • New Home Discount
  • Gated Community Discount
  • Storm Shutters/Impact Windows Discount
  • Senior/Retiree Discount
  • Non-Smoker Household Discount
  • Loyalty/Renewal Discount
  • Affiliation/Professional Group Discount
  • Paperless/Autopay Discount

Independent Agency vs. Captive Agent in Amarillo, TX

FeatureIndependent Agency (A-State)Captive Agent
Number of CarriersMultiple — shops 10+ carriers for youOne — locked into a single company
Price ComparisonCompares rates across multiple carriers to find the lowestCan only offer one company's rate
Coverage OptionsBroader selection of coverage types and limitsLimited to what one carrier offers
High-Risk DriversAccess to non-standard and specialty marketsMay decline high-risk applicants entirely
SR-22 FilingCan shop multiple carriers for best SR-22 rateLimited SR-22 options through one carrier
Loyalty to YouWorks for the client — not the insurance companyWorks for the insurance company
Rate Shopping at RenewalRe-shops your rate every renewal across all carriersLocked into same carrier at renewal
Claims AdvocacyAdvocates on your behalf during claimsRepresents the insurance company's interests
Policy CustomizationTailors coverage across multiple carrier optionsLimited to one carrier's policy structure
Switching CarriersCan switch you to a better carrier without changing agentsMust find a new agent to switch carriers
Local KnowledgeTexas-based agents with local market expertiseMay be national agents with no local context

Types of Homeowners Coverage We Offer in Amarillo, TX

Standard Homeowners Insurance

Protects your home, belongings, and finances against covered risks such as fire, theft, storms, and liability claims. Options can also help with temporary living expenses after covered damage.

Condo Insurance

Helps protect your condo unit, personal belongings, and finances against covered damage, theft, and liability claims. Coverage can complement your association’s master policy and fill important gaps.

Landlord Insurance

This coverage helps rental property owners protect the building, eligible furnishings, and financial interests against covered property damage and liability claims involving tenants or visitors.

Manufactured / Mobile Home Insurance

Helps protect manufactured or mobile homes, belongings, and liability interests against covered risks. Policy options can be tailored to the property’s features, location, and specific coverage needs.

Flood Insurance

Provides separate protection for eligible flood-related losses that standard home policies typically exclude. Coverage can help pay for covered damage to the property and personal belongings.

Earthquake Insurance

Provides protection for eligible losses caused by earthquake-related damage. Separate coverage can help protect your home and belongings from risks that may not be included in standard policies.

Renters Insurance

Helps renters protect personal belongings and finances against covered losses. Coverage may also provide personal liability protection and help with certain additional living expenses after covered events.

Frequently Asked Questions About Homeowners Insurance in Amarillo, TX

Homeowners insurance in Amarillo averages about $3,649 per year, based on current available rate data. Your actual premium can vary based on your home's value, roof age, location, claims history, deductible, coverage limits, storm exposure, and insurance carrier.

Homeowners insurance quote visual

Get a Homeowners Insurance Quote in Amarillo, TX

Getting homeowners insurance in Amarillo starts with sharing basic information about your property, needs, and preferred policy. A-State Insurance can review your home, location, roof, deductible preferences, and other factors, then compare options from multiple carriers. Choose from coverage options. Submit your full name and phone number to request a quote, and a local agent can help you review available options. Get your free quote today and find practical protection for your Amarillo home.

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