Uploaded June 2026 | Updated September 2026, 3 weeks ago
Homeowners insurance premiums are on the rise in Texas. According to the Texas Department of Insurance, in 2015, the average annual premium was $1,782. But fast forward just 9 years later and the average annual premium for homeowners insurance was $3,291 in 2024. That's an 85% increase.Thankfully, there are steps Texas can take to alleviate the burden. We as a state should remove the regulatory and political pressures that limit competitive behavior in the homeowners insurance industry.
The Texas Public Policy Foundation’s mission is to promote and defend liberty, personal responsibility, and free enterprise in Texas and the nation by educating and affecting policymakers and the Texas public policy debate with academically sound research and outreach.
Funded by thousands of individuals, foundations, and corporations, the Foundation does not accept government funds or contributions to influence the outcomes of its research.
The public is demanding a different direction for their government, and the Texas Public Policy Foundation is providing the ideas that enable policymakers to chart that new course.
Website: texaspolicy.com
X: twitter.com/tppf
Facebook: facebook.com/texaspolicy
Instagram: instagram.com/texaspolicy
LinkedIn: linkedin.com/company/texas-public-policy-foundation
Homeowners insurance premiums are on the rise in Texas. According to the Texas Department of Insurance, in 2015, the average annual premium was $1,782. But fast forward just 9 years later and the average annual premium for homeowners insurance was $3,291 in 2024. That's an 85% increase.Thankfully, there are steps Texas can take to alleviate the burden. We as a state should remove the regulatory and political pressures that limit competitive behavior in the homeowners insurance industry.
The Texas Public Policy Foundation’s mission is to promote and defend liberty, personal responsibility, and free enterprise in Texas and the nation by educating and affecting policymakers and the Texas public policy debate with academically sound research and outreach.
Funded by thousands of individuals, foundations, and corporations, the Foundation does not accept government funds or contributions to influence the outcomes of its research.
The public is demanding a different direction for their government, and the Texas Public Policy Foundation is providing the ideas that enable policymakers to chart that new course.
Website: texaspolicy.com
X: twitter.com/tppf
Facebook: facebook.com/texaspolicy
Instagram: instagram.com/texaspolicy
LinkedIn: linkedin.com/company/texas-public-policy-foundation
