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Best homeowners insurance in Texas for 2025
Compare the best homeowners insurance companies in Texas
Our research shows that some of the top homeowners insurance companies in TX include USAA, Chubb, Nationwide, State Farm and Farmers. These companies showcase a mix of low rates (compiled from Quadrant Information Services), high J.D. Power customer satisfaction scores, strong financial strength ratings from AM Best, robust coverage offerings and substantial discount opportunities. When shopping for good home insurance in Texas, property owners may want to consider getting quotes from these carriers. It’s worth noting, of course, that the best policy for you will depend on everything from the age of your home to your coverage priorities.
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737
/1,000 |
$218
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$2,613
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688
/1,000 |
$715
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$8,582
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641
/1,000 |
$168
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$2,011
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643
/1,000 |
$289
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$3,462
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609
/1,000 |
$201
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$2,413
|
Bankrate's trusted insurance industry expertise
Read our full methodologyThe home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The top 5 home insurance companies in Texas
Best for military-focused coverage
4.8
4.8
Avg. premium for $300K dwelling
$218/mo
Avg. premium for $300K dwelling
$2,613/yr
Customer satisfaction
737/1,000
-
Why USAA made our list: San Antonio-based USAA only sells insurance to active-duty military members, veterans and eligible family members. If you qualify, USAA may be a great option. Like many other insurance providers, you can bundle and save, choose from a variety of coverage options and manage your policy in the USAA mobile app. USAA offers unique coverage to service members. For example, active-duty or deployed military can rest assured that their uniforms are covered.
Who USAA may be good for: Budget-conscious veterans or active-duty service members (and their families).
Best for high-value homes
4.6
4.6
Avg. premium for $300K dwelling
$715/mo
Avg. premium for $300K dwelling
$8,582/yr
Customer satisfaction
688/1,000
-
Why Chubb made our list: Chubb is known for its premium insurance offerings, particularly for homeowners seeking high-value home insurance policies. With a reputation for strong customer service and a wide range of coverage options, Chubb could be a good choice for homeowners looking for a more personalized, robust insurance package. However, average rates from Chubb are typically more expensive than other carriers.
Who Chubb may be good for: For those with upscale properties or unique coverage needs, Chubb may be worth considering.
Best for customizable coverage
4.2
4.2
Avg. premium for $300K dwelling
$168/mo
Avg. premium for $300K dwelling
$2,011/yr
Customer satisfaction
641/1,000
-
Why Nationwide made our list: Nationwide makes it easy to personalize your policy to your specific needs. With options like Valuables Plus, Replacement Cost Plus and Better Roof Replacement, Nationwide may help your insurance coverage go further during a claim. The carrier also advertises numerous discounts and sells several other types of insurance. If you like bundling your policies with one company, Nationwide also offers auto, motorcycle, classic car and RV insurance, among other products.
Who Nationwide may be good for: Customers who don’t want a one-size-fits-all policy and would prefer to personalize their coverage may prefer Nationwide. For instance, it may be a good choice for people who need to insure additional structures on their property or who have other uncommon needs.
Best for local agents
4.1
4.1
Avg. premium for $300K dwelling
$289/mo
Avg. premium for $300K dwelling
$3,462/yr
Customer satisfaction
643/1,000
-
Why State Farm made our list: State Farm is the largest U.S. home insurer based on market share and boasts a statewide network of local captive Texas agents. The provider also offers multiple insurance products along with homeowners insurance. For example, you can get auto insurance, motorcycle insurance, life insurance and boat insurance. Policyholders with more than one State Farm policy type may save with a multi-policy discount. While average rates with State Farm are in line with the Texas average, they skew higher than other carriers on Bankrate’s list of top providers.
Who State Farm may be good for: People who want to bundle their car insurance policy with other types of insurance.
Best for streamlined shopping
3.6
3.6
Avg. premium for $300K dwelling
$201/mo
Avg. premium for $300K dwelling
$2,413/yr
Customer satisfaction
609/1,000
-
Why Farmers made our list: Farmers offers home, auto, renters, business, condo and life insurance. The company has three home insurance tiers to choose from: Standard, Enhanced and Premier. Farmers also offers several ways to customize your policy. You can enroll in the Declining Deductibles program, which may lower your deductible each year that your policy is active. You may also want to consider the cosmetic damages option or claim forgiveness. However, Farmers didn’t score as well as the other insurers on our list for overall customer satisfaction, according to J.D. Power.
Who Farmers may be good for: Homeowners who prefer a uniform insurance experience across all property coverage may find Farmers appealing. That way, you can keep your home, business, recreational equipment and auto insurance with the same carrier.
Additional Texas home insurance companies to consider
Homeowners looking for great customer service
Although Amica doesn’t have an extensive local agent presence in Texas, the company ranked third for overall customer service satisfaction, according to J.D. Power. Policyholders generally experience smooth claims processing with Amica and are able to personalize their policies to their needs. It doesn’t hurt that the company also offers affordable policies. Amica was named the 2025 Bankrate Awards winner for Best Auto Insurance Company Overall (tied with USAA).
Homeowners who value the digital experience
Homeowners looking for standard coverage and digital tools may want to consider Lemonade. Policyholders are able to handle their various insurance needs on the company’s AI-driven mobile app, and the company is known for its philanthropic Giveback program, which has donated over $10 million to social good.
How Bankrate chose the best home insurance companies in Texas
To find the best home insurance companies in Texas, Bankrate first analyzed average homeowners insurance premiums obtained from Quadrant Information Services for the largest insurance providers in the state by market share. However, because the price is only one feature of a home insurance policy, we also reviewed each company’s coverage offerings, discounts, customer satisfaction scores, complaint indexes, financial strength ratings and digital tools.
We combined each of these metrics into our proprietary Bankrate Score model. The Scores are on a scale from 0.0 to 5.0, with higher scores indicating that a company scored better within the individual metrics. Our methodology was specifically created to help you gain a well-rounded view of each company.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare home insurance rates
Answer a few questions to see personalized rates from top carriers.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Cheapest home insurance companies in Texas
When it comes to safeguarding your Texas home, balancing quality coverage with affordability is key. As mentioned, the Lone Star State can pose some challenges for homeowners seeking insurance. However, there are still insurance providers that offer competitive rates without compromising on coverage. Below, we've compiled a table showcasing some of the most cost-effective home insurance companies in Texas to help you make an informed decision.
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$168
|
$2,011
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- $1,714 |
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Armed Forces
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$168
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$2,019
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- $1,706 |
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$201
|
$2,413
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- $1,312 |
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$218
|
$2,613
|
- $1,112 |
||
$289
|
$3,462
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- $263 |
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to get cheap Texas home insurance
Finding the best home insurance in Texas for your needs at a cheap rate may take extra research. Texas homeowners are well aware of the weather differences that can happen in the state. From ice storms and tornadoes in the north to wildfires and hurricanes in other parts of the state, home insurance coverage needs and prices may vary drastically depending on the risk in your area. But even living in an area that has greater risk does not mean finding cheap home insurance in Texas is impossible. There are some strategies you can use to help you find a lower premium:
- Understand your coverage needs: Having the right homeowners insurance coverage helps protect you financially should disaster strike your home, but making sure you are not overinsuring yourself is equally important to finding the cheapest coverage for your needs. For example, if you decide to pay out of pocket for a smaller claim, you may want to consider increasing your homeowners insurance deductible to save on premium costs. Just make sure that the deductible you choose is an amount you feel comfortable paying out of pocket.
- Shop around: Getting quotes from multiple insurance companies can help you find cheap coverage since rates can vary widely by company. Remember, cheap coverage can also include good customer service. It is possible to find cheap coverage with many outstanding companies. Shopping online, working with an insurance broker or local agent or calling around are a few ways to get home insurance quotes.
- Apply discounts: Many insurance companies offer discounts, and these savings can help reduce your premium cost. While many carriers offer common discounts, some may be unique to certain companies. When gathering quotes, check out what discounts are available with each company to maximize savings.
- Safeguard your home: You may be able to get a cheaper premium if you have a home security system, fire alarms and other safety features installed on your property. These risk-mitigation measures are often rewarded by homeowners insurance companies because they reduce your likelihood of needing to file a serious claim. Even a DIY security system with window alarms and cameras could help you nab savings.
Best home insurance discounts in Texas
Discounts are an easy way to lower your homeowners insurance premium. Below are some common discounts Texas homeowners may qualify for:
How to save on home insurance policy renewals in Texas
Year after year, as homeowners confront policy renewals, many wonder how they might obtain better rates or discounts without sacrificing crucial coverage. In Texas, with its unique set of challenges and risks, leveraging certain strategies could result in potential savings on home insurance renewals. Here are some actionable steps you can consider:
- Shop around: Don't just auto-renew without taking a moment to consider other potential insurance options. Compare rates from different insurers to ensure you're getting the best deal. Remember, insurance markets evolve and premiums can vary from one provider to another.
- Bundle policies: Many insurers offer discounts if you bundle multiple policies with them, such as auto and home insurance.
- Increase your deductible: Opting for a higher deductible can reduce your premium, but ensure it's an amount you can afford out of pocket in case of a claim.
- Inquire about discounts: Ask your insurer about discounts for security systems, storm shutters or even being a long-term policyholder. An insurance provider might even give a discount if you’ve been claims-free for a specific period of time. Sometimes, savings are available but not automatically applied.
- Review your coverage: Ensure you're not over-insured. As the value of possessions depreciates or if you've made home improvements, adjust your coverage accordingly.
- Maintain good credit: Insurers often use credit data to determine premiums. Having a positive credit history might get you a better rate, so taking steps to improve your credit-based insurance score can be worthwhile.
How much is home insurance in Texas?
Texas residents pay an average of $3,725 for $300,000 in dwelling coverage for home insurance. Texas homeowners insurance premiums are higher on average than in other states, possibly due to loss costs from natural disasters like hurricanes and tornadoes. Insurance premiums are largely based on risk, and if an area has a greater likelihood of homes being damaged, the premiums are generally higher so that insurance companies can prepare for a potential claims payout.
Texas homeowners pay 71 percent more than the national annual average cost of home insurance, which is $2,181 per year for $300,000 in dwelling coverage. Note that rates will vary based on the appropriate dwelling coverage amount for your home, as shown in the chart below.
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$1,524
|
$2,613
|
$2,952
|
$3,622
|
|
$4,391
|
$8,582
|
$8,714
|
$9,879
|
|
$1,267
|
$2,011
|
$2,268
|
$2,698
|
|
$2,411
|
$3,462
|
$3,741
|
$4,361
|
|
$1,352
|
$2,413
|
$2,793
|
$3,510
|
Texas homeowners insurance rates by city
Within Texas, insurance rates can fluctuate from one city to another. Factors like local crime rates, vulnerability to natural disasters and the overall housing market could play a role in these variations. While some cities could have more affordable premiums, others, due to their unique challenges, may see higher rates.
- Anthony: $1,908 per year — 49 percent below state average
- Clint: $1,910 per year — 49 percent below state average
- El Paso: $1,910 per year — 49 percent below state average
- Canutillo: $1,912 per year — 49 percent below state average
- San Elizario: $1,928 per year — 48 percent below state average
- Seabrook: $7,122 per year — 91 percent above state average
- Bacliff: $7,115 per year — 91 percent above state average
- Port O Connor: $7,003 per year — 88 percent above state average
- Galveston: $6,981 per year — 87 percent above state average
- La Porte: $6,738 per year — 81 percent above state average
*Rates are for $300,000 in dwelling coverage.
What does home insurance cover in Texas?
Homeowners face a unique set of challenges and risks in Texas. Insurance policies in the state are usually crafted to address these specific threats, but it's crucial for homeowners to be aware of what their policies cover. Understanding the standard coverage types can help Texas residents identify gaps in their protection and consider additional policies tailored to their specific needs.
Standard Texas home insurance policies typically cover these common perils:
- Wind and hail damage: This coverage can financially protect against tornadoes or severe convective storms, which can be frequent in certain parts of Texas.
- Fire and smoke damage: This kicks in for damage caused by wildfires in drier regions or fires from household accidents.
- Theft and vandalism: This provides coverage for burglaries or intentional property damage.
- Liability coverage: This coverage is important in case someone gets injured on your property or if you cause damage to others.
- Water damage: This typically covers sudden incidents, but it's essential to note this doesn't always include flooding from external sources or negligence. Insurers require a separate flood insurance policy for damage resulting from natural disasters.
- Loss of use: If your home becomes uninhabitable due to a covered event, this can assist with temporary living expenses like hotel stays and groceries.
Additional home insurance coverage types in Texas
In addition to the standard insurance coverage types, Texas homeowners may want to consider some additional endorsements and even separate policies to gain more coverage:
- Flood insurance: You may want to consider buying a separate flood insurance policy to help repair damage if your home floods. You may be required to purchase flood insurance in some cases. Flood insurance is offered through the federally backed National Flood Insurance Program and many private flood insurers. Understanding your flood insurance requirements prior to moving could help you make informed decisions.
- Wind/hail coverage: If you live near the coast or in another wind-prone area, your policy might exclude wind coverage due to the increased risk of related damage to your home. In cases where you cannot get coverage through your insurance company, the state-backed Texas Windstorm Insurance Association (TWIA) can help provide coverage.
- Seepage and leakage: This endorsement may cover damage from slow leaks or seepage from cracks.
Additionally, some insurance experts have noted a recent trend in Texas where insurance companies offer “ACV only” settlement clauses for wind and hail damage. ACV stands for actual cash value, which means the market value of the item minus depreciation. While an ACV clause or policy will be less expensive than replacement cost value (RCV) coverage, it will also mean lower coverage for whatever items are covered under that clause or policy. Check for exclusions for roof damage caused by hail and consider purchasing additional coverage if needed.
Texas also has separate deductibles for certain losses. In this state, natural disasters, like named tropical cyclones and hailstorms, may have a separate deductible from your policy deductible. This is usually a percentage deductible of your dwelling coverage amount — typically between 1 and 5 percent.
For example, if your home is insured with $300,000 in dwelling coverage and you have a 2 percent wind deductible, you are responsible for $6,000 of a wind or hail damage claim while your insurer will pay toward the rest.
If you have any questions about a policy, consulting with an insurance agent may be a good idea. A licensed insurance professional can review your policy and help identify areas where you may need to purchase separate coverage or adjust your current coverage.
Related content:
Common Texas home insurance problems
Acquiring home insurance in Texas isn't always straightforward. Given the state's predisposition to various natural calamities and its vast territorial expanse, insurers may often approach policies with caution. This unique blend of factors can sometimes make it challenging for homeowners to find comprehensive coverage at affordable rates.
Some common issues Texas homeowners might encounter include:
- Higher premiums: Homeowners may see increased rates due to frequent natural disasters like hurricanes, tornadoes and hail storms.
- Flood insurance gaps: Standard policies usually don't cover flooding, which is common throughout Texas, necessitating separate flood insurance.
- Limited coverage in certain areas: Insurers might offer limited coverage or charge higher premiums in areas particularly prone to events like wildfires or coastal storms.
- Claim delays: After widespread events, the sheer volume of claims might lead to delays in processing and payouts.
- Policy non-renewals: In high-risk areas, some insurers may decide to nonrenew policies, forcing homeowners to seek coverage elsewhere.
News
Texas, with its diverse and expansive geography, has always been susceptible to a wide range of natural calamities. While the state's residents are no strangers to challenges, the recent upheavals in the homeowners insurance market have added another layer of complexity. From unexpected rate hikes to insurers grappling with escalating replacement costs, there's a lot unfolding in the Texas insurance market.
Here’s what you need to know:
- In Texas, homeowners have seen their insurance premiums rise by several hundred dollars since 2020. S&P Global reports that Texas had the highest increase in insurance premiums in 2023, with homeowners seeing a 23 percent uptick — more than any other state (and more than the national average of 11 percent).
- In July 2024, the Texas Windstorm Insurance Association voted to recommend a 10 percent increase on residential and commercial policies. However, the Texas Department of Insurance (TDI) did not approve the increase. Instead, the TDI recommended that insurers find other ways to cut costs before increasing customer rates.
- Insurers note that an increase in extreme weather events like winter storms, flooding and hurricanes leads to more claims being filed, and higher labor costs also contribute to higher insurance costs. Texas isn’t the only state dealing with higher homeowners insurance costs, though; insurers across the country are dealing with similar challenges.
- Insurers typically pass increased risk onto homeowners, which is why prices are higher — especially in Texas. However, in some instances, insurers decide that it’s too risky and not profitable enough to provide coverage. Progressive and Foremost Insurance both pulled back on writing new policies in Texas around the time of Hurricane Beryl.
Bankrate continues to monitor the evolving landscape in the Texas homeowners market to help our readers navigate potential challenges.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze January 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Additional profiles:
- Coverage A, Dwelling: $150,000, $350,000, $450,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Scores
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.