The 4 Best Texas Homeowners Insurance Companies

Everything is big in Texas, including homeowners insurance premiums. The statewide average rate is around $1,100.00, while the national average is down around $860.00. With premiums so high, look to take advantage of every discount possible. National insurers may be the way to go for finding the best home insurance in Texas because they can often provide more discounts and other lines of insurance.

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Allstate

Allstate offers a wide variety of coverage options, which vary by state. It has coverage options for all types of dwelling from condos to manufactured homes. Extra coverage options are available for things like identity theft and liability. For Texas homeowners insurance, Allstate offers great discounts and strong educational tools. Multi-line discounts and claim-free discounts are just a couple ways to save. The educational tools are especially helpful to first-time home buyers. Tools like the Premium Gauge and Digital Locker are designed to make the buying and using insurance processes easy. Allstate is consistently rated A for financial strength by the A.M. Best Company.

Farmers Insurance

Farmers has home insurance in Texas for all types of dwellings including single-family homes, condos, mobile homes, and specialty homes. Specialty homes can include vacation and rental properties. Add-on policies for earthquakes and floods are also available. Farmers' discounts are very good for new homeowners. Solid claims management tools include multiple filing options, such as by phone and through their mobile app. The Claim Tracker tool gives you the ability to follow the daily progress of your claim. Finally, an A.M. Best A rating (Excellent) for financial strength puts Farmers on the list of top Texas homeowners insurance companies.

State Farm

State Farm provides a wide variety of coverage options for different dwelling types. State Farm's homeowners insurance in Texas can cover farms and ranches in addition to homes and condos. State Farm maintains a Superior financial rating from A.M. Best. Great discount options help you save. Multiple-policy, claim-free history, and home security discounts are just some of the available discounts. State Farm's services are where the company excels. One example is their Premier Services Program, which connects you with reputable local contractors to get bids for work when rebuilding after a loss. Get multiple options for filing a claim by going with State Farm, including by phone 24/7, online, and through a local agent.

USAA

The United Services Automobile Association has a rich military history. It was founded by 25 officers, and since then, USAA has grown to offer many lines of insurance and financial products to benefit military families. Texas' military ties put USAA on the list of best Texas home insurance companies. Limited access to information via the website is made up by best-in-class customer service based on military values, membership benefits for additional savings, and products that can be passed down to future generations, regardless of military standing. This ensures that future generations of military members will be adequately protected.

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