Best homeowners insurance in Texas

Homeowners insurance can also be governed by the old Texas adage “everything in Texas is bigger”.Texas ranks seventh in the costliest state for homeowners insurance. The average premium for homeowners insurance is $1,863 per annum for $250,000 of dwelling coverage.Based on a comparison between quoted annual premiums from Quadrant Information Services. This is 42% more than theNational average annual premiumAnnually, $1,312

Residents of Texas know that Texas is vulnerable to hurricanes, tornadoes, and sinkholes. Therefore, it is essential to have the best home insurance in Texas to protect your finances should something happen to your biggest asset: your home. There are many insurance companies that offer home insurance.

Texas’s best home insurance companies

Our research has shown that Texas’s largest insurance companies by market share are Allstate, Amica Mutual and Farmers. State Farm, USAA, State Farm, Farmers, State Farm, and State Farm.To determine which carriers to feature, we analyzed the average premiums, coverages, policies features, and third-party scores of each company.

Amica Mutual

Amica Mutual consistently ranks among the top insurance providers in the nation. J.D. This information comes from J.D. Power, AM Best, and individual customer reviews. Amica provides a variety of insurance products including flood, home, auto, umbrella, and umbrella insurance.

Amica’s dividend policy is one of its most distinctive features. This option allows policyholders to receive up to 20% of their annual premium each year.

State Farm

State Farm, a national insurance company, offers a variety of insurance products in addition to homeowners insurance. You can purchase car insurance, motorbike insurance, life insurance, and boat insurance among other products. State Farm offers multi-policy discounts to policyholders who buy more than one type of policy.

State Farm has a variety of coverage options. Some agents enrolled in NFIP Direct can work with the National Flood Insurance Program to provide flood insurance coverage.

State Farm is a great choice if you’re looking for a company offering discounts and easy access to your account online or via a mobile application.


Allstate offers a wide range of coverage options and a variety ways to save your premium. Allstate’s online presence is one of its most distinctive features. Both members and non-members can access a range of tools and resources via its website. Allstate members can find out more about their insurance products and how to get the most from your policy.


Farmers is a full-service insurance provider that offers home, auto, renters, business, condo and life insurance. It offers three options for homeowners insurance: Standard, Premier and Enhanced.

Farmers offers many unique features that can be customized to your policy. The Declining Deductibles Program allows you to lower your deductible by $50 each year your policy is in effect. You might also consider the cosmetic damage option or claim forgiveness.


USAA sells insurance to only active and former military personnel and their families. USAA is a great choice if you’re eligible. Like many other providers, you can bundle and save, choose from a variety of coverage options and do everything you need to do via its mobile app.

Service members are provided with unique protections by USAA. Active-duty and deployed service members have peace of mind knowing that their uniforms are protected. USAA is owned by members, which means that customers who choose USAA for their insurance provider may be eligible to receive dividends every year.

What is the cost of Texas homeowners insurance?

Texas homeowners pay an average $1,863 per year for $250,000 of dwelling coverage.Texas has higher homeowner’s insurance premiums than other states, possibly because of the increase in natural disasters. Insurance premiums are heavily based on risk. If there is a higher chance of homes being destroyed, insurance companies will charge more to cover potential claims. You can shop around for the lowest price and take advantage of discounts to lower your premium.

Due to their geographic location and environmental hazards, Texas homeowners pay a lot more for homeowners insurance than the national average of $13,312.

Texans pay more than the average national premium for homeowners insurance. None of the bordering states have lower than average premiums. Due to the high likelihood of wind damage and tornadoes, Oklahoma’s average annual premium is $3,519. Louisiana’s average premium is $1,813 per annum, while Arkansas policyholders pay $2,142 per annum.

Texas home insurance

Texas homeowners need to be aware of the unique requirements when buying homeowners insurance. Knowing the most common losses in Texas can help you select the right coverages to protect your finances.

Loss in Texas: Common Causes

There are a few types of claims in Texas that are more common than others. Nature-caused damage to your home is common and should be covered.

In certain parts of Texas, hurricanes are one of the largest sources of claims costs. As the National Oceanic and Atmospheric Administration (NOAA) notes, “It is estimated that Hurricane Harvey alone had total costs of $125 billion” — which made landfall in Texas in 2017. The most frequent homeowners insurance claims in Texas involve:

  • Water damage can include plumbing problems and burst pipes but not flood damage
  • Lightning and hurricane-related hail damage
  • Storms, hurricanes, and tornadoes can cause wind damage
  • Theft/or burglary
  • Lightning strikes can cause fire damage

It is important to carefully read your policy regarding hail and wind damage. Your policy might not cover hail or wind damage if you live in high-risk areas. You should check for hail damage on roofs and purchase additional coverage if necessary.

Talking to an agent about questions regarding a policy is a smart idea. An insurance professional licensed can review your policy to help you determine if additional coverage is needed or how to adjust your existing coverage.

Texas offers a variety of home insurance options

It doesn’t have to be difficult or stressful to buy homeowners insurance. Below, find some information on the type of insurance coverage you will most likely encounter and what they are used for:

  • Dwelling coverage:This policy is your standard insurance policy. It covers your physical structure, your dwelling, and any attached structures.
  • Personal property coverage:Personal property coverage is important for all your belongings.
  • Liability coverage:Personal liability protection protects you in the event that someone hurts you or damages another person’s property.
  • Medical protection for guests:This coverage covers people who are hurt on your property.

These are just some of the standard insurance policies. Many insurance companies also offer additional coverages you might be interested in:

  • Flood insurance:You may want to purchase flood insurance if you live near flood-prone areas. This will help to repair damage in the event that your home floods. Flood insurance can be costly and may be required in certain cases. Before you move to an area, it is important to know what flood insurance coverage you need.
  • Wind/hail coverage:Your policy may not cover wind coverage if you live close to the coast or another wind-prone location. This is because of the higher risk of tornado-related damage to your home. The Texas Windstorm Insurance Association (TWIA), which can provide coverage in cases where your insurance company does not offer coverage, is able to help.
  • Seepage and leakage:This endorsement can cover damage due to slow leaks and seepage from cracks.
  • Water backup coverage:This option covers the backup of sewer lines or drains, which is often caused by sump pumps failing to cope with heavy rains.

A licensed agent can help you choose the right coverages. A licensed agent will be able help you select the right coverages to create a policy that suits your needs.

Flood insurance was historically only available through the U.S. government. However, private insurers now offer flood insurance policies. Call your agent to find out if your agent can help you purchase a policy through National Flood Insurance Program (NFIP) or if any private carriers offer flood coverage.

You may even want to consider flood insurance if you do not live in a flood zone. According to the NFIP, 99% of all U.S. counties experienced flooding between 1996 and 2019.

Questions frequently asked

Which Texas state has the lowest homeowners insurance?

The cheapest insurance in Texas depends on a number of factors, including the value of your home, the area in which you live, what type of home you live in and what type of coverage you select. A portion of the cost will be determined by your deductibles or coverage limits.

How can I obtain Texas homeowners insurance?

You may need homeowners insurance. To get quotes from different insurance companies, compare rates, coverage options, and discounts. Insurers will be able to determine the cost of rebuilding your home if you have a good understanding of your home’s features like square footage, roof type and safety features. These details are important for obtaining quotes. It is also important to know how much it would cost to replace your personal belongings and what deductible you are comfortable paying in case of a claim.

Knowing what is most important to you when it comes to insurance companies will allow you to narrow down your choices. Do you care most about price? Do you value financial stability? How about customer reviews? A licensed agent can help you choose the right policy for your needs if you’re not sure where to begin.

What are the steps to obtain Texas homeowners insurance?

You will need to give some personal information, such as your birth date and address, whether you are purchasing a home or looking to change to an insurance provider. The insurance company will request any additional information.