Compare homeowners insurance quotes in Schertz, TX with Freedom Insurance Group. We check 25+ carriers and work with you to match coverage to the home and vehicles you really own.
Average cost of home insurance in Schertz, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$317,100) | $1,452 | $857 |
| $300,000 dwelling | $1,420 | $838 |
| $600,000 dwelling | $1,998 | $1,179 |
| $1,000,000 dwelling | $2,600 | $1,534 |
The typical homeowners insurance premium in Schertz, TX is about $1,452 annually for a typical local home (typical local home value about $317,100). For a $300,000 dwelling, expect around $1,420 per year; for a $600,000 home about $1,998; and for a $1,000,000 dwelling about $2,600. Freedom Insurance Group rates are often about 41% lower — near $857 per year for a typical home, roughly $838 for a $300,000 home, about $1,179 for a $600,000 home, and around $1,534 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,104 |
| $200,000 – $300,000 | $1,234 |
| $300,000 – $400,000 | $1,515 |
| $400,000 – $500,000 | $1,715 |
| $500,000 – $600,000 | $1,909 |
| $600,000 – $700,000 | $2,061 |
| $700,000 – $800,000 | $2,187 |
| $800,000 – $900,000 | $2,352 |
| $900,000 – $1,000,000 | $2,517 |
Band premiums are midpoints on the Schertz dwelling curve (typical local home value about $317,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Schertz, TX, using a typical local home value of about $317,100. Freedom figures apply an approximate 41% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
A closer look at Schertz, TX
Schertz is home to around 43,091 residents in Guadalupe County, part of the San Antonio metro area.
Schertz sits in the San Antonio metro area, and there day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is a mix of single-family homes typical of San Antonio metro; replacement cost, roof age, and construction type still drive most premium differences block by block.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk typical of the Plains.
Why Schertz home insurance premiums differ
Schertz homeowners are priced on several interlocking factors that underwriters weigh when they build a quote. Deductible choice and past claims can move the final premium as much as the carrier brand itself, while rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Rebuilding the home with similar materials at current labor and material costs defines what replacement cost captures. Since the carrier’s largest possible payout rises with the rebuild estimate, higher estimates for Schertz houses generally raise premiums.
Frame or masonry walls, the roofing material, and general construction quality all shape how a house performs in the wind, hail, and fire common across Texas, which is why construction type and roof details matter too.
Location risk captures storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Schertz, so two homes with similar rebuild costs may still price differently.
A solid fire protection score based on close hydrants, a nearby station, and a good protection class can make the premium lower.
Claims history carries real weight: in Schertz, recent household or property claims often means higher rates at renewal and on new quotes.
Some carriers factor in a credit-based insurance score where the state allows; higher scores generally bring lower prices.
Common discounts for Schertz, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Discounts are not uniform across carriers, and the amounts vary. “Up to” shows the maximum, not a guarantee.
Homeowners coverage basics
- Dwelling (A): The limit that rebuilds the house after a covered loss. Match it to current local construction costs.
- Other structures (B): Detached garages, sheds, fences, and similar buildings that stand apart from the house are protected by this part.
- Personal property (Coverage C): Protects what is inside the house: furniture, clothing, and everyday items. Higher-value categories often carry sublimits.
- Loss of use (D): This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (E): If you are legally responsible for someone else’s injury or property damage in a covered incident, this part responds.
- Medical payments (F): When a guest gets hurt on your property, this covers medical costs, often without a formal liability claim.
Schertz, TX home & auto bundle savings
Illustrated average bundle savings, not guaranteed. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Schertz, Texas | $258 | $436 | $636 |
Neighborhoods in Schertz
- Misty Woods
- Bindseil Farms
- Mesa Oaks
- The Reserve at Mesa Oaks
- Kramer Farm
- The Gardens
- Windy Meadows
- Valley Verde
- Magdalena Pena
- The Estates at Wilson’s Preserve
- Woodbridge
- Park at Woodland Oaks
- Jonas Woods
- Greenfield Village
- Parkland Village
- Sycamore Creek
- Woodland Oaks
- Westland Park
- Aviation Heights
Local housing and storm data: Schertz
FEMA’s National Risk Index flags hail (“Relatively Moderate”), tornado (“Relatively High”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively Moderate”) in Guadalupe County.
From 2000 on, Guadalupe County has been part of 11 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, and Flooding (July 2025).
Census survey estimates (ACS 2020–2024) show about 16,573 housing units in Schertz, and owners occupy about 78% of the occupied homes. Of all units, 86% are detached single-family houses and 9.9% are in buildings with two or more units.
For heat, Schertz households mostly rely on electricity (81%) and utility gas (18%).
The median home in Schertz was built in 2002. About 29% of homes were built in 2010 or later, and discounts for newer construction are often in play.
On tornadoes, NOAA recorded 4 tornadoes touching down within 10 miles of Schertz between 2016 and 2025, with the strongest at EF1 during February 2017.
Named places the USGS records in and around Schertz include Cibolo, Haeckerville, Universal City, Selma, and Airport City. Each area can price differently based on build era, roof, and fire protection.
NOAA storm records show 25 hail reports within about 7 miles of Schertz from 2016 through 2025, 16 of them one inch or larger. Top size measured 2 inches in April 2016 near Converse.
Schertz’s recorded beginnings date to 1843. Census counts put Schertz at 18,694 residents in 2000 and 31,465 in 2010, and the Census Bureau’s July 2024 estimate is 44,428. That works out to about 138% more residents than in 2000.
Going further back, NOAA’s Storm Prediction Center counts 13 hail reports within 5 miles of Schertz between 1955 and 2015, topped by hail of 2.5 inches on May 3, 1991. Reports of 2-inch or bigger hail number 1 in that span. NOAA Storm Prediction Center records list 10 tornadoes that began within 10 miles of Schertz from 1950 through 2015; the strongest was an F3 on September 20, 1967.
Shopping around the area? We also have home insurance pages for Cibolo (2 mi), Universal (3 mi), and Selma (4 mi).
ZIP codes we cover in and around Schertz
78108 · 78124 · 78132 · 78154
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Schertz, TX home insurance quotes
Schertz residents get quotes from 25+ carriers with Freedom Insurance Group. Call (800) 253-1482 or request a home quote online.
