In Brownsville, Nationwide offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, Farmers provides the lowest premiums starting at $423 per month.
Cheap Home Insurance in Brownsville
Updated: June 9, 2025
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Key Takeaways
Nationwide provides the best overall value for homeowners in Brownsville, while Farmers delivers the most affordable coverage at $5,074 annually.
Home insurance in Brownsville costs an average of $988 per month, adding up to $11,854 per year.
To get the best and cheapest home insurance in Brownsville, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes on an apples-to-apples basis.
Best Cheap Home Insurance Companies in Brownsville
| Nationwide | 90 | $660 | $7,917 |
| State Farm | 90 | $485 | $5,826 |
| Amica | 89 | $1,183 | $14,202 |
| Farmers | 86 | $423 | $5,074 |
| Chubb | 77 | $2,188 | $26,252 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Brownsville Home Insurance Cost?
Home insurance rates in Brownsville depend on factors like your home's age, chosen coverage and personal profile. Costs range from $269 to $3,071 monthly. Use the table below to explore rates tailored to your situation based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $269 | $3,223 |
How to Get the Best Cheap Home Insurance in Brownsville
Finding affordable home insurance in Brownsville can be tough. We've put together a step-by-step guide to help you discover the best and cheapest homeowners insurance options available.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand lets you fairly compare quotes and prevents upselling.
- 2
Research Cost and Discounts
Check the average home insurance costs in Texas for your area and situation — you'll see where you might save money. Understanding available discounts shows you which companies offer better deals.
- 3
Compare Company Offerings and Reputations
Consider both add-on coverages and the company's reputation for claims and service quality. Use resources like J.D. Power, the NAIC, Reddit and Trustpilot to evaluate reviews and service standards.
- 4
Compare Many Quotes Through Multiple Means
Analyzing quotes side by side ensures you find the most affordable equivalent coverage. Since prices vary by source, use online tools, independent agents and captive agents to secure the lowest rate.
Best Home Insurance in Brownsville: Bottom Line
The top three best and cheapest home insurance providers in Brownsville are Nationwide, State Farm and Farmers. While these are our recommendations, do your own research and compare multiple quotes from companies to get the best deal.
Brownsville Home Insurance: FAQ
Below, we've answered common questions about home insurance for Brownsville residents.
Who offers the best home insurance in Brownsville?
Our top pick for the best home insurance provider in Brownsville is Nationwide, offering low rates, excellent customer service and solid coverage options. Also reach out to State Farm, Amica, Farmers and Chubb for quotes.
Who has the cheapest home insurance in Brownsville?
Farmers offers the most affordable home insurance for the average homeowner in Brownsville, costing about $423 per month or $5,074 per year. Rates can vary widely, though, depending on your coverage level and home characteristics.
What does home insurance cost in Brownsville?
Home insurance costs in Brownsville range from $3,223 to $36,848 annually, depending on your home's age and chosen coverage level.
How We Decided the Best Cheap Home Insurance Companies in Brownsville
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Brownsville. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.