Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
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At a glance
Bankrate's take
Policyholders in Texas looking for top-notch customer service or who prefer an in-person agency experience might consider Texas Farm Bureau as their company of choice. Customers should note that the carrier comes with an annual membership fee, although it provides additional perks.
Agents available at brick-and-mortar locations
Policies are only available in Texas
Offers death indemnity coverage
High ranking in 2023 U.S. Auto Insurance Study
Offers home, renters and landlord policies
Offers juvenile life insurance policies
Home
Avg. annual premium for $300k dwelling coverage
$3,619
New
What’s new with Texas Farm Bureau Insurance?
AM Best has placed the company under review with negative implications due to a decrease in its surplus. Existing or future policyholders may want to monitor the situation to ensure the company maintains a strong financial outlook.
Texas Farm Bureau car insurance review
Texas Farm Bureau has offered insurance products to Texans since 1952. Now headquartered in Waco, Texas, the carrier has grown to include more than 850 local agents, 300 claims personnel and 300 offices across the Lone Star State. Since Texas Farm Bureau does the bulk of its business via local agencies, this carrier could be optimal for those who prefer the personalized service that an in-person insurance experience may provide.
The company is part of the American Farm Bureau Federation and requires an annual membership fee, although the rate varies depending on where you reside. Membership is open to all Texas residents and includes several benefits, including discounts on products and services as well as access to insurance policies. Many states across the country have their own Farm Bureau agencies, but Texas Farm Bureau insurance is only available in Texas.
Texas Farm Bureau offers a full line of auto insurance coverage, from the minimum liability coverage needed to drive legally in Texas to a full coverage policy with add-ons, including rental reimbursement, roadside assistance and ridesharing coverage. Although Texas Farm Bureau’s auto endorsement options may not be as robust as some carriers, it also offers death indemnity coverage, which is not always available with other providers. This optional coverage pays a death benefit to a beneficiary or beneficiaries should you die as a result of a qualifying accident in your vehicle.
Pros and cons of Texas Farm Bureau car insurance
Finding the best car insurance company may not always be easy, but Bankrate’s insurance editorial team is here to help. Creating a list of pros and cons may help you determine if a specific provider can meet your individualized needs.
Pros
Earned third place for overall customer satisfaction in Texas in the J.D. Power 2023 U.S. Auto Insurance Study
Plentiful offices located across Texas
Rideshare and death benefit coverage options available
Cons
No gap insurance available
Accident forgiveness is not available
Customer service is only open Monday through Friday during normal business hours
Texas Farm Bureau car insurance cost
Bankrate analyzed proprietary premium data from Quadrant Information Services, and according to our research, the national average cost of car insurance is $2,685 per year for a full coverage policy and $800 for a minimum coverage policy. However, your rates may be more or less than the average, as auto insurance is highly personalized. Car insurance companies may use a variety of rating factors to determine how much to charge for coverage, including your location, vehicle, age and in some states (including Texas), your credit information.
Premium data for Texas Farm Bureau car insurance is unavailable, so the best way to compare rates may be to request a quote online, in person or over the phone.
Texas Farm Bureau customer satisfaction
Although affordable rates may be essential when gathering insurance quotes, it’s not the only consideration for many customers. For some, customer satisfaction is just as important as cheap premiums. For this reason, Bankrate reviews a variety of metrics to analyze an insurance company’s customer satisfaction. Among these metrics are third-party scores issued by J.D. Power; however, given its availability, J.D. Power only rates Texas Farm Bureau in its surveys that break down satisfaction by region and not in national studies.
The company does have an excellent financial strength rating with AM Best, however, which indicates it has met its claims obligations in the past. As we mentioned earlier in this article, though, that rating is currently under review, so current future policyholders may want to keep an eye on its status to see if AM Best changes its rating.
Texas Farm Bureau auto claims satisfaction
Auto customer satisfaction is where Texas Farm Bureau truly shines. The company scored first place with a strong 824 points out of 1,000 for overall customer satisfaction in the Texas region during the J.D. Power 2023 U.S. Auto Insurance Study. It is not rated in the claims satisfaction survey because of its small service area. It has historically performed well in the J.D. Power Auto Insurance Study, however, indicating that its customers are generally happy with the service it provides.
Texas Farm Bureau auto insurance customer complaints
Additionally, we study where a company lands on the NAIC Customer Complaint Index. To understand this data, know that the NAIC compiles complaints that policyholders lodge against a company and converts the number of complaints into an index score. A company with an average amount of complaints for its size will have an index of 1.00. A company with an index higher than that receives more complaints on average, while an index lower than 1.00 indicates fewer complaints than average.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.15 to 0.29.
End of interactive chart.
Texas Farm Bureau car insurance discounts
Discount information is limited on Texas Farm Bureau’s website, but it does list a few opportunities that may help you save on your car insurance, including:
Multi-vehicle discount: If you insure more than one vehicle with Texas Farm Bureau, you could qualify for additional savings.
Vehicle safety discount: This discount may apply for drivers with vehicles equipped with safety features, such as curtain airbags and an anti-theft system.
Claims-free discount: If you maintain a claims-free record for a certain number of years, you may earn a discount for good driving.
For more information regarding discount eligibility and savings amounts, please contact a Texas Farm Bureau agent.
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Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Texas Farm Bureau
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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.
Texas Farm Bureau home insurance review
According to our analysis, Texas Farm Bureau could be best for Texans looking for one of the average cheapest homeowners insurance companies who prefer to do business in person with an agent.
Homeowners insurance with Texas Farm Bureau comes with many of the standard coverage types you’d expect, such as dwelling, liability and personal property. To find out if the company offers any additional endorsement options, you will need to reach out to Farm Bureau directly — the company’s website does not list any coverage options outside of those that come standard with a typical homeowners policy.
Pros and cons of Texas Farm Bureau home insurance
When comparing home insurance quotes, a pros and cons list may help you narrow down your options. To do this, you may find it helpful to write down what you like about a company’s offerings and where they might fall short.
Pros
High customer satisfaction, according to the National Association of Insurance Commissioners (NAIC) Complaint Index
Local agents available
Average home insurance rates tend to be far lower than state and national averages
Cons
Must contact an agent for a quote
Very little information about home insurance product can be found online
Not rated by J.D. Power
Texas Farm Bureau home insurance cost
Bankrate took a deep dive into the cost of homeowners insurance for 2024 and based on our research, the national average rate for $300,000 in dwelling coverage is $2,267 per year. On the other hand, Texas Farm Bureau comes in at an average of t $3,619 per year. While Texas Farm Bureau is 60 percent more than the national average, it is 11 percent less than the average in Texas. Since Texas Farm Bureau is only available in Texas, it may be a solid and cost-effective option for many Texas policyholders.
It's important to note that your actual homeowners insurance premium will vary based on your rating factors, such as your home's age, location and your claims history.
$150K dwelling
Texas Farm Bureau average premium
$2,245
National average premium
$1,370
$300K dwelling
Texas Farm Bureau average premium
$3,619
National average premium
$2,267
$350K dwelling
Texas Farm Bureau average premium
$3,974
National average premium
$2,534
$450K dwelling
Texas Farm Bureau average premium
$4,541
National average premium
$3,066
$750K dwelling
Texas Farm Bureau average premium
$5,690
National average premium
$4,399
Compare Texas Farm Bureau homeowners insurance rates
Home insurance rates vary significantly between carriers, even within the same state. Each insurance company has its own underwriting guidelines, risk tolerance level and coverage options and discounts. These variables mean that not one carrier is perfect for every homeowner and comparing premiums, coverage types and discounts amongst multiple companies can help you secure the best home insurance for your needs.
Understanding how other policyholders feel about their insurance company can help you decide which carrier suits you best. J.D. Power did not rate Texas Farm Bureau since it is a regional carrier and the study is geared toward insurers with national availability. This does not reflect the quality of service that Texas Farm Bureau provides.
Texas Farm Bureau home insurance customer complaints
Texas Farm Bureau scores well below the industry average. This low index score may indicate that the company’s homeowners insurance customers are generally satisfied with their experience.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.07 to 0.19.
End of interactive chart.
Texas Farm Bureau home insurance discounts
Like its auto insurance, Texas Farm Bureau does not disclose all the specifics of its home insurance discounts. To learn about all the ways that you may save on your Texas Farm Bureau home insurance policy, please contact an agent. However, a few discounts available for a Texas Farm Bureau home insurance policy include:
Central alarm system discount: If your property is protected by a burglar or central alarm system, you may qualify for additional savings.
Impact-resistant roofing discount: If your roof is designed to resist damage from elements such as hail, it could save you money on insurance premiums.
Dry fire hydrants discount: You may earn a discount if you keep a dry fire hydrant or fire extinguisher on your property.
Companion policy discount: If you have more than one qualifying policy with Farm Bureau, you could earn a discount.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Texas Farm Bureau
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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.
Texas Farm Bureau life insurance review
Texas Farm Bureau may be a good life insurance company for you if it already provides coverage for your home or auto. The company offers many types of life insurance, including the following:
Term: Texas Farm Bureau offers term life insurance policies with 10-, 20- and 30-year options. You may also be able to convert your term policy into a whole life policy, as long as you opt for convertible life and convert before the policy’s stated deadlines.
Permanent: Texas Farm Bureau offers two primary permanent life insurance policy types. These may be suitable for those looking to use their life insurance policy in estate planning or other end-of-life arrangements.
Whole: Whole life insurance options with Texas Farm Bureau include basic whole life, modified premium whole life, 20-pay life and single premium whole life.
15-Pay juvenile life: This uncommon policy type from Texas Farm Bureau allows parents to purchase a whole life policy for their children as long as their child is 15 years old or younger.
Pros and cons of Texas Farm Bureau life insurance
If you’re considering Texas Farm Bureau as a cheap life insurance option, you may want to contact an agent directly — the company doesn’t provide much life insurance information on its website. However, the table below could give you a launching point for questions you may want to ask your agent.
Pros
Multiple policy types offered
Term to whole life conversion available
Policyholders are able to make payments online
Cons
Unknown if medical exams are required
Life insurance riders are mentioned, but no specifics are provided
Life insurance quotes are not available online
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
Your information is secure5 digit Zip code is required
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This Texas Farm Bureau Insurance review may have you wondering if it's the right company for you. If so, you may want to consider requesting quotes from the carriers below.
Featured
Texas Farm Bureau
Not scored
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Texans who want personalized service may appreciate Texas Farm Bureau’s insurance coverage. However, those who live outside Texas, or who don’t want to pay an annual membership fee before buying insurance may want to consider other insurers.
Policyholders who value excellent customer service and robust coverage options but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice.
Policyholders who value digital capabilities and robust discounts over customer and claims satisfaction might consider Liberty Mutual as their company of choice.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is the Texas Farm Bureau a good insurance company?
Whether or not Texas Farm Bureau is a good company likely depends on you and your needs. If you live in Texas, are looking for average cheap homeowners insurance and don’t mind paying an annual membership fee (which also grants access to additional savings and benefits), then Texas Farm Bureau could be the company for you.
This carrier could also be an excellent choice for people who feel passionately about farming and ranching issues, since the Texas Farm Bureau advocates for this demographic. However, better options may be available if you prefer to handle your insurance policies digitally via a mobile app and don’t enjoy an in-person agency experience. To find out if the Texas Farm Bureau could meet your needs, the best course of action may be to call an agent and request a quote.
What are real-life customers saying about the Texas Farm Bureau?
Reading customer reviews is one way to better understand the customer experience with the Texas Farm Bureau. Review sites and online forums such as Reddit and Yelp offer a space for customers to share their experiences and for other users to add comments. Keep in mind that since Texas Farm Bureau has local agents, some reviews may be about the company in general or a specific agent. Additionally, since Texas Farm Bureau is a super-regional carrier, there isn’t a plethora of reviews to read.
Reddit
The Texas Farm Bureau reviews on Reddit tend to be older but focus on how affordable of a carrier it is compared to other insurance companies. One older comment, which we will include below, highlights a situation unique to the Texas Farm Bureau. This carrier may report insurance information differently than other carriers, which could be problematic when it's time to find a different company.
Reddit User 1*
Mar 31, 2024
Texas Farm Bureau: New customer
“I love the Texas Farm Bureau! I haven't had any claims, but they are very responsive. Allstate cancelled me but Texas Farm Bureau picked me right up at a WAAAAAAY cheaper price.”
“Texas insurance agent here.The only thing I know about Texas Farm Bureau is that they don't report to the same insurance database that everyone else does. So, when I go to quote someone's insurance and they have Texas Farm Bureau, it doesn't pull up any previous insurance information. This can be slightly problematic when it comes to leaving Texas Farm Bureau, because many insurance carriers will initially rate based on previously available insurance information, and you might see elevated rates because it might look like you don't have insurance when you do. That issue is generally solved by providing a Letter of Experience, however.”
There are several threads on Yelp for different Texas Farm Bureau agencies but again, most of the reviews are more than a year old. The common theme on Yelp is that policyholders are unhappy with the rising costs, customer service and claims service they receive and miscommunication about coverage is mentioned a few times. This highlights how important it is to feel comfortable with the company and the local agent since they are who you will interact with the most.
Yelp User 1*
Mar 14, 2024
Texas Farm Bureau customer service
“Customer service got better from 10 years ago! But, our insurance went up 80.00 a month and we do not have any accidents or tickets/”
“I have multiple policies, 4 auto policies, term and whole life policies and also renters insurance. I have never filed a claim with them and our house flooded over the weekend. I texted my agent on monday and she said she believed it was covered and to call the office to start the claim. So I went through the whole process and told the girl at the office, the claims department and gave a statement to the adjuster. Again I told them exactly what happened. They still proceeded to waste 30 minutes of my time on the phone along with having my wife stay home to wait on them to come take pictures, just to tell me flood damage isn't covered when they could've told me up front when I first spoke to them and it wouldn't have wasted anymore of anyone's time. Also when I got the policy I was not offered flood coverage nor was I made aware in anyway that it was something separate. Poor service all the way around if you ask me.”
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Texas Farm Bureau company details
If you are considering joining Texas Farm Bureau and need to inquire about quotes or policy details, here is some pertinent contact information:
Availability: Texas Farm Bureau only offers insurance in the state of Texas, though other Farm Bureau companies offer coverage in other states.
State availability
Texas Farm Bureau only offers insurance in the state of Texas, though other Farm Bureau companies offer coverage in other states.
Texas Farm Bureau tools and benefits
In addition to auto, homeowners and life insurance, Texas Farm Bureau offers:
Farm and ranch insurance: Texas Farm Bureau has specialized insurance products that offer protection for farmers and ranchers, including coverage for barns and inland marine policies to cover farming equipment.
Renters insurance: If you are a renter, you may want to consider a Texas Farm Bureau renters policy for financial protection for your liability and personal property.
Landlord’s insurance: Typically, a standard homeowners insurance policy will not provide coverage if you rent out your property full-time — this is where landlord’s insurance may step in.
Commercial property insurance: Texas Farm Bureau offers a range of commercial insurance products tailored for this unique exposure, including commercial property, commercial liability policies and a combination commercial package.
Long-term care insurance: This coverage can help cover the expenses of long-term stays in a nursing home.
Membership in the Texas Farm Bureau also conveys a variety of other perks, such as access to auto loans, discounts on defensive driving courses, the option to refinance your home loan through the bureau and discounts on Sherwin Williams equipment.
Frequently asked questions about Texas Farm Bureau
Ideally, Bankrate would have a Bankrates Score for every carrier that we review. However, some carriers that are super-regional or have several underwriting agencies behind make creating a score more challenging. Since J.D. Power doesn’t rank Texas Farm Bureau in several categories and the customer service experience is connected more to the agent than the carrier itself, we cannot accurately score this carrier at this time.
Filing a claim with Texas Farm Bureau should be easy, but you might be able to streamline the process if you have some basic information handy. For instance, if you need to file a car insurance claim, you will likely need to provide your policy number, the date of the accident, what occurred and the other driver’s details. When you’re ready, you can file a claim with Texas Farm Bureau by:
Keep in mind that most insurance professionals recommend that you file your claim as soon as possible. Even if you don’t have all the information available, you may want to contact the company to let them know that you were involved in a claim so the process can begin.
The Texas Farm Bureau was created in 1952 to represent the interests of farmers and ranchers across the Lonestar State. With that said, the group has a strong presence in the Texas agricultural sector. The Texas Farm Bureau lobbies for farm and ranch rights in Austin (the state capital) and Washington, D.C. It also promotes climate sustainability by advocating reduced emissions and water pollution in the farming industry.
In addition to its political and climate sustainability efforts, the Texas Farm Bureau also has available leadership programs to encourage people ages 18 to 35 to get involved in the agricultural industry. The carrier is active in the classroom by providing educators with teaching resources focused on Texas agriculture and offering scholarship opportunities for students interested in agricultural studies.
Yes, Texas Farm Bureau advocates for the interest of rural communities and agricultural businesses across the state. It works to inform people and advocate in the state legislature for laws that can help these groups.
Texas Farm Bureau tends to charge premiums much lower than its competitors because you must pay membership dues to be able to buy insurance. The true cost is a bit higher than the simple cost of coverage because of those dues.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 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:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The 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.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
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Insurance Disclosure
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.
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