RON MARCHIANIFARMERS INSURANCE AGENT
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Insurance guide · Ron Marchiani, Farmers agent
TDI's preliminary 2025 statewide average annual premium was $3,489, with average coverage of $432,800. Those broad figures are context, not a prediction for one house.
Direct answer
Start with the policy language and the facts of the property, vehicle or household. General summaries help frame questions but do not determine coverage for an individual policy.
TDI’s 2025 Texas homeowners market data reports a $3,489 average annual premium and $432,800 average coverage. TDI also reports a 4.3% average statewide homeowners rate change in 2025. These describe a broad state market and historical rate changes; they are not a current quote, a prediction of your renewal, or a city-level price.
Averages combine homes with different insured values, construction, roof age and settlement terms, locations, deductibles and policy options. A home’s market sale price is not the same as the cost to rebuild it. Insurers may also apply their own eligibility, inspection and underwriting rules.
An average can rise or fall because coverage values, policy mix and underlying costs change. It does not tell you whether your specific premium is competitive or whether two policies provide the same protection.
Put the declarations page beside each written offer. Match the insured property and effective date, then compare the dwelling limit, roof settlement, wind or hail deductible, water provisions, personal-property valuation, liability, exclusions and fees. Ask for explanations in writing when a limit or deductible differs.
Use TDI’s county and statewide data as context, then evaluate the actual policy offered for your address. Never choose a deductible solely because it lowers the annual price; make sure you could pay it after a loss.
Quick answers
TDI’s preliminary 2025 statewide average was $3,489 per year, with average coverage of $432,800. This is statewide context, not a quote or a city-level estimate.
Insured value, construction and roof details, location, deductible, policy terms, eligibility and insurer underwriting can all differ from the homes represented in a statewide average.
No. It describes a broad market result and cannot predict an individual property’s premium or renewal. Compare the written limits, deductibles, roof terms and exclusions in your actual offers.
Start with a real conversation
Ron’s agency says it can compare options from 50+ other carriers if Farmers is not the best price or fit. Availability varies by product, eligibility and location.