LUBBOCK
Local $224 /month
$2,690 per year
Estimated average, $300,000 dwelling coverage
Why Pay More?
GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN LUBBOCK, TX
Single-Family Home
Townhome
Condo (HO-6)
Mobile / Manufactured Home
Other
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AVERAGE COST OF HOME INSURANCE IN LUBBOCK, TX
Homeowners in Lubbock pay an average of about $2,690 per year for homeowners insurance on a $300,000 dwelling policy with a $1,000 deductible, or roughly $224 a month. Hail, wind, and tornado claims shape local pricing, and older roofs or homes near low-lying drainage areas often pay more for coverage.
The Texas average is about $4,668 per year, putting Lubbock about 42% below the state average. Coastal hurricane exposure drives statewide rates higher, while Lubbock costs come mainly from storms in West Texas. Many carriers request roof photos or inspections, and separate wind and hail deductibles are more common locally.
Across the United States, homeowners pay an average of $2,808 a year, so Lubbock residents spend about 4% less than the national rate. Texas as a whole runs about 66% higher than that benchmark. Raising your deductible, upgrading to an impact-resistant roof, and comparing carriers can help keep premiums competitive.
TEXAS
Statewide $389 /month
$4,668 per year
Estimated average, $300,000 dwelling coverage
USA
National $234 /month
$2,808 per year
Estimated average, $300,000 dwelling coverage
LOCAL RISKS THAT AFFECT HOMEOWNERS' INSURANCE IN LUBBOCK, TX
Hail and Thunderstorm Damage
On May 20, 2020, baseball-sized hail pounded parts of south-central Lubbock, damaging and destroying many vehicles and roofs and shattering numerous car windows, according to the National Weather Service. Reviewing your roof coverage and wind and hail deductible before each spring storm season helps avoid surprises at claim time.
Policy tip: Ask how roof age affects a wind or hail claim.
Hurricane, Tropical Storm, and Wind Exposure
Lubbock sits far from the coast, so most wind damage comes from severe thunderstorms rather than hurricanes. On June 9, 2024, a gust of 67 mph was measured at the Lubbock Airport, the National Weather Service reported. Gusts this strong can tear shingles, fences, and vinyl siding loose from homes.
Policy tip: Ask how roof age affects a wind or hail claim.
Flooding and Flash Flood Hazards
Between September 10 and 12, 2008, Lubbock received its highest 24-hour rainfall on record, 7.80 inches, which inundated playa lakes, parks, and streets across the city, per the National Weather Service. Standard homeowners policies exclude flood damage, so a separate flood policy is the only way to cover rising water.
Policy tip: Ask how roof age affects a wind or hail claim.
Tornado Threat
On May 11, 1970, an F5 tornado struck Lubbock, killing 26 people, injuring more than 1,500, and causing about $250 million in damage in 1970 dollars, according to the National Weather Service. Keeping your dwelling limits aligned with current rebuilding costs helps homeowners recover fully after severe tornado damage.
Policy tip: Ask how roof age affects a wind or hail claim.
Drought, Extreme Heat, and Wildfire Risk
Lubbock recorded a record 48 days at or above 100 degrees in 2011, which also finished as the driest year on record with just 5.86 inches of rain, the National Weather Service notes. Extended heat and drought can strain home cooling systems and shift the soil beneath slab foundations.
Policy tip: Ask how roof age affects a wind or hail claim.
Winter Storms and Freezing Temperatures
During the February 2021 winter storm, Lubbock stayed below freezing for nearly 186.5 consecutive hours and dropped to 0 degrees, based on National Weather Service records. Long freezes raise the risk of burst pipes, so keeping the heat on and insulating exposed plumbing helps keep water damage claims from being denied.
Policy tip: Ask how roof age affects a wind or hail claim.
DO YOU NEED WINDSTORM OR FLOOD INSURANCE IN LUBBOCK, TX?
Windstorm or Hail
No, Lubbock homeowners do not need a separate windstorm policy. The Texas Windstorm Insurance Association (TWIA) serves only designated coastal counties, and Lubbock County is not among them. Wind and hail damage is covered under a standard homeowners policy, though insurers often apply a separate percentage deductible for these claims.
Flood Insurance
Flood insurance, however, deserves closer attention. Standard policies exclude rising water, so Lubbock residents near playa lakes or low-lying streets should consider a policy through the National Flood Insurance Program (NFIP). Pairing it with homeowners insurance in Texas closes that gap, and NFIP coverage usually begins after a 30-day wait.
WHAT AFFECTS YOUR HOME INSURANCE RATE IN LUBBOCK, TX
No two Lubbock homeowners pay exactly the same premium. Insurers start with personal details such as past claims, credit history, and deductible choice, then look at the home itself, including its age, roof, construction type, and replacement cost. Location adds another layer, since storm exposure and property theft rates vary from one Lubbock neighborhood to the next. Knowing which of these factors apply to you makes it easier to compare quotes and find practical ways to lower your annual rate over time.
Home Age and Construction
Roof Age and Material
Distance From the Coast
Home Insurance Claims History
Credit-Based Insurance Score
Dwelling Value and Coverage Limit
Deductible Amount
Home Security and Safety Features
Neighborhood Crime Rate
Foundation or Water Damage Claims
Distance to Fire and Water Services
HOMEOWNERS INSURANCE COVERAGE OPTIONS IN LUBBOCK, TX
Dwelling Coverage
The most essential part of any policy: dwelling coverage rebuilds your roof, walls, and attached garage. Lenders require limits equal to replacement cost.
Other Structures Coverage
The detached garage, fence, shed, or carport on your lot falls under this coverage, usually capped at 10% of the dwelling limit.
Personal Property Coverage
The belongings inside your home, from furniture to electronics, are reimbursed after theft, fire, or hail, usually 50% to 70% of the dwelling limits.
Loss of Use / Additional Living Expenses
The extra cost of hotels, meals, and rent is paid while repairs keep you out of your home, often 20% of dwelling limits.
Personal Liability Coverage
The legal fees and damages owed after a guest injury are covered here. Limits start near $100,000, though Texas law does not require it.
Medical Payments Coverage
The minor medical bills of injured visitors are settled without proving fault, with typical limits between $1,000 and $5,000 per person per incident.
Windstorm and Hail Coverage
The roof, siding, and windows damaged by Lubbock hail or wind are restored, often with a deductible of 1% to 2% of the dwelling value.
Flood Insurance
The damage from rising water or flash flooding falls outside standard homeowners policies. Federally backed mortgages in high-risk zones require this separate policy.
Water Backup Coverage
The cleanup after a sewer line or drain backs up into your home comes through this optional endorsement, excluded from standard policies.
Foundation Coverage
The slab beneath your home qualifies for repair after a sudden plumbing leak, though gradual settling and shifting soil are usually excluded.
HOME INSURANCE DISCOUNTS IN LUBBOCK, TX
Discounts can lower coverage costs for Lubbock homeowners. Many insurers offer discounts for Class 4 impact-resistant roofs, which withstand hail better. Monitored alarms, updated wiring, and newer plumbing can also reduce your rate. A claims-free history helps too. Bundling home and auto with one carrier often brings extra savings. New homeowners should ask about discounts before closing and share any recent roof or safety upgrades. These simple steps make affordable homeowners insurance easier to find without cutting important coverage.
Multi-Policy Discount
Claims-Free Discount
New or Renovated Roof Discount
Monitored Alarm System Discount
Protective Device Discount
Gated Community or HOA Discount
New Home Discount
First-Time Homebuyer Discount
Non-Smoker Discount
Loyalty Discount
Automatic Payment Discount
Paid-in-full Discount
Senior Citizen Discount
Group Discount
Early Renewal Discount
WHY LUBBOCK HOMEOWNERS CHOOSE CINCO
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/Phone/In-Person Services
Multiple Convenient Locations Near You
FREQUENTLY ASKED QUESTIONS ABOUT HOME INSURANCE IN LUBBOCK, TX
How much does homeowners insurance cost in Lubbock, TX?
Homeowners insurance in Lubbock averages about $2,690 per year, or $224 per month, for $300,000 in dwelling coverage with a $1,000 deductible. Rates vary with roof condition, claims history, and hail exposure.
Do I need separate windstorm or flood coverage in Lubbock?
No separate windstorm policy is needed in Lubbock, since standard homeowners policies include wind and hail. Flood coverage is sold separately and is required only for federally backed mortgages in high-risk zones.
What affects homeowners insurance rates in Lubbock?
Lubbock homeowners insurance rates depend on both personal and property factors. Insurers review your claims history, credit-based insurance score, and deductible. They also consider roof age, rebuilding cost, local hail exposure, and neighborhood theft risk.
Does CINCO offer bundled home and auto insurance in Lubbock?
Yes, CINCO offers bundled home and auto insurance for Lubbock residents. Bundling often reduces your combined premium. It also keeps both policies on one renewal schedule, making coverage reviews and updates easier to manage.
How do I get a homeowners insurance quote in Lubbock?
Request a quote by contacting CINCO online or calling a licensed agent. Provide your address, roof type and age, and any recent upgrades. The agent will then present coverage options and available discounts.
LICENSED AND TRUSTED BY LUBBOCK HOMEOWNERS
Serving Texas since 1981, CINCO has built a strong record with homeowners statewide, supported by more than 7,000 five-star Google reviews. Our licensed agents understand how hail, high winds, and severe freezes affect Lubbock properties year-round and assist each client in selecting appropriate coverage limits and deductibles for their home.
CINCO provides a prompt, efficient quoting process for Lubbock homeowners. Agents can often prepare a quote within a single consultation and remain available for policy updates and claim assistance. In addition to homeowners coverage, CINCO offers auto, flood, and renters insurance, allowing clients to manage multiple policies through one agency.
GET YOUR LUBBOCK HOME INSURANCE QUOTE TODAY
The right coverage starts with accurate information about your property. Reach out to CINCO today, and our team will prepare a personalized quote built around your home, deductible preferences, and local risks.
Single-Family Home
Townhome
Condo (HO-6)
Mobile / Manufactured Home
Other
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Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
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