Texas Ria Insurance Agency
533 S Mason Rd, Katy, TX 77450
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533 S Mason Rd, Katy, TX 77450
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22503 Katy Fwy, Suite 1, Katy, TX 77450
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23223 Archdale Meadow Ln, Katy, TX 77493
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1526 Katy Gap Road, Katy, TX 77494
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Learn about insurance coverage options specific to Katy residents.
Katy homeowners insurance costs $1,400-$2,400/year. Impact-resistant roofs save 15-30%. Learn how bundling, smart home tech & flood coverage cut your costs.
Home InsuranceKaty homeowners pay $2,000-$3,500/year for insurance. Learn how newer homes, impact-resistant roofs, and location affect your rate. Plus flood coverage info.
Car InsuranceKaty drivers pay $3,381/year on average for car insurance. Learn how suburban rates compare to Houston, why comprehensive coverage matters, and how to save.
General Insurance EducationComplete insurance guide for Katy, TX residents. Learn about Texas auto requirements, flood insurance after Harvey, hail coverage, and bundling discounts.
Renters InsuranceKaty renters insurance averages $15-25/month. Learn what's covered, why flood insurance matters, and how to get the best rates for your apartment.
Business InsuranceKaty's commercial market is booming. Learn what coverage your business needs, from workers' comp to flood insurance, plus costs and Texas requirements.
Homeowners insurance in Katy typically costs between $1,400 and $2,400 per year, which is somewhat below the Harris County average of $3,325 annually. Your actual cost depends on factors like your home's age, roof type and condition, coverage limits, deductible choices, and available discounts. Newer homes in master-planned communities with impact-resistant roofs generally see lower premiums.
Yes, significantly. A Class 4 impact-resistant roof can save you 15-30% on your annual homeowners insurance premium in Texas. On a $2,000 annual premium, that's $300-$600 in savings every year. Texas law requires insurance companies to offer these discounts, and the investment in impact-resistant shingles typically pays for itself within 5-7 years through insurance savings alone.
While not legally required outside mapped flood zones, flood insurance is strongly recommended for Katy homeowners. Hurricane Harvey proved this dramatically—85% of homes that flooded had never flooded before and weren't in designated flood zones. Standard homeowners insurance doesn't cover flood damage at all, and flood policies in low-risk areas can cost just a few hundred dollars annually for substantial peace of mind.
Bundling your home and auto insurance typically saves 15-25% on your premiums, with many Texas homeowners saving $1,000-$1,300 annually. Major insurers like State Farm, Progressive, and Farmers all offer substantial bundling discounts. Some companies even provide additional benefits like paying only one deductible if your home and car are damaged in the same incident.
Several home improvements can lower your Texas homeowners insurance: impact-resistant (Class 4) roofing saves 15-30%, monitored security systems save 5-10%, smart home devices for water leak or fire detection can save 5-15%, and upgrading electrical, plumbing, or HVAC systems in older homes may qualify for additional discounts. You can often stack these discounts together for total savings of 40% or more off base rates.
Texas homeowners insurance rates have increased dramatically due to severe weather events (hurricanes, hail storms, freezes), rising construction costs, supply chain issues affecting repair costs, and inflation. Harris County premiums increased over 50% in recent years, jumping from around $2,200 to over $3,300 on average. Statewide, rates increased 19% in 2024 alone and are projected to rise another 9% in 2025, potentially exceeding $6,500 annually on average.
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