The National Association of Insurance Commissioners says the average cost of Texas Home insurance in 2009 is $1409, a 28 percent increase over 2008. That’s 58 percent higher than in Florida, which is the next most expensive state. The national average for home insurance is just $804.

Texas has a higher number of claims because of hail, tornado and wind damage. This raises the average cost of insurance in the state. Mold also plays a role. The state legislature passed a law in 2003 requiring insurance companies to reimburse homeowners for mold treatment which increased the overall cost of insurance as well.

Is it fair that Texas residents have to pay so much for claims that are low compared to hurricanes and earthquakes. Well, you have to realize that in Florida, for instance, homeowners are required to purchase a separate hurricane rider which is in addition to their normal homeowners insurance. This makes the cost of their homeowners insurance look like it is lower but for comprehensive coverage, they need additional insurance.

Another issue is catastrophe funds. Texas requires it while other large states like Florida and California do not.

But Texans don’t see any relief in these cold hard facts. In fact, what they do see is that their insurance rates have been rising by double digits year after year.

The state legislature is not blind to what is going on. They are looking at ways to lower insurance rates. For instance, one proposal requires that the largest insurers get permission from the state to increase their rates. They do, however, have to be careful. If they push the insurance companies too far, they might respond by not offering any coverage in the state. That would be worse than having high insurance rates.

But, no matter what the legislature does, the Lone Star State is likely to continue to see high rates because the weather related damage to homes and property will continue.

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