Premiums are higher in Texas because it’s a disaster-prone area. Texas homeowners often require large insurance payouts due to catastrophe-related damage from tornadoes, hurricanes, wildfires, and other natural events. You’ll want to be sure you’re covered in case any of these things happens, but that coverage won’t be cheap: According to the National Association of Insurance Commissioners, a Texas homeowner will pay an average of $1,947 per year in premiums — which is well above the national average of $1,173.

How We Found the Best Homeowners Insurance in Texas

With such steep premiums, you’ll want to be sure you’re getting what you pay for — and that means being covered by one of the best homeowners insurance providers in Texas. We found the five biggest providers in the state by market share and ranked them using the methodology we developed for our nationwide homeowners insurance review. We checked their financial stability, looked at customer satisfaction ratings, and compared lists of discounts and additional coverage options. We even requested quotes online to compare rates, although only two of these insurers actually gave us prices; the others suggested we contact an agent directly.

Of course, there isn’t one best provider for everyone. Price varies by company, so it’s important to compare quotes and find your best rates. In addition, coverage needs to be specific to you and your home: Are you in an area that requires additional flood insurance? Does your insurer require a separate deductible for windstorms? Can you get a discount if you buy both home and auto insurance through the same provider? Answering questions like these will help you decide which Texas insurance company offers the right coverage for you.

Keep those personal details in mind as you consider our rankings:

Texas Homeowners Insurance Reviews

Allstate Corp

We were impressed right off the bat by Allstate’s high financial strength and customer satisfaction ratings. This company holds an A+ from A.M. Best, meaning it’s financially stable enough to meet its current obligations (including paying out on your policy, if need be). Allstate also earned a ‘Very Good’ from Consumer Reports; customers find its claims process easy to navigate, and attest that payments are delivered on time. Where Allstate really stands out, though, are its comprehensive policy options and discounts.

Along with the standard homeowners insurance — flood, fire, storm, etc. — Allstate lets you customize your policy with additional coverage. You can get add-ons to cover water damage or sewer backups, insure your valuables, and even guard against identity theft. Our other providers don’t offer as many options for additional protection.

We especially loved Allstate’s long list of discounts. For example: You can bring your insurance cost down by installing a home security system or storm shutters, for having a hail-resistant roof, or for keeping a smoke-free household. There are deals on multi-line policies (like if you insure both your car and your home through Allstate), and you can even get a discount for setting up autopay. All told, there are plenty of ways to save on that pricey Texas premium.

Head over to Allstate’s website to see these discount and coverage options clearly laid out. Once there, you’ll also find a robust educational center that walks you through the ins and outs of homeowners insurance. After signing up for a policy, download the company’s mobile app to instantly contact your agent, manage your billing, or upload photos directly to a claim file — or use the Digital Locker app to build a home inventory that you can reference if you ever need to file a personal property clam.

State Farm

State Farm is the most popular homeowners insurance provider in Texas, and for good reason: It garners some of the highest ratings in the industry. State Farm has an A++ from A.M. Best — meaning rock-solid financial backing — and is labeled ‘Very Good’ by Consumer Reports. Customers say its claims process is both easy and efficient.

As for coverage, State Farm offers some of the same add-ons as Allstate. We were happy to see options like identity theft insurance and valuables coverage. The company also gives multi-line policy deals, as well as discounts for burglar, fire, and smoke alarms, and impact-resistant roofing. That said, State Farm only has about half the total number of discounts that Allstate does, so you may end up spending more on your policy.

We recommend getting a quote from State Farm to see how the prices stack up. It’s still one of the best homeowners insurance providers in Texas, with customer service, financial scores, and coverage that are hard to beat. Don’t forget to download State Farm’s app so you can use it to contact an agent or submit a claim. The app doesn’t let you upload property damage photos, though — you’ll have to do that on State Farm’s website.

USAA

If you’re a USAA member — or if you’re eligible to become one, which usually means being associated with the military or part of a military family — consider USAA as your homeowners insurance provider. USAA carries an A++ rating from A.M. Best and was the only provider we considered that earned an ‘Excellent’ ranking from Consumer Reports. Policyholders are exceptionally pleased with USAA’s claims process, speedy payments, and customer service.

The USAA website is pretty bare-bones. It doesn’t provide a lot of information on coverage and discounts, although we did see that you can save up to 10% for bundling homeowners and auto insurance. Our suggestion? Get in touch with an agent; find out if you’re eligible; and see if the coverage and premium are right for you. If they are, you’ll be able to take advantage of this association’s highly-ranked customer service and speedy claims process. USAA also has a mobile app, so you’ll be able to check in on your homeowners insurance at any time.

Liberty Mutual

Ratings-wise, Liberty Mutual falls in the middle of the pack. Consumer Reports gives it a ‘Very Good,’ which is on par with State Farm and Allstate for customer satisfaction. However, it has a slightly lower A rating from A.M. Best. This is still an ‘Excellent’ financial score — but it’s not quite as rock-solid as our other top picks.

Along with all the standard coverage, Liberty Mutual offers nearly as many discounts as Allstate. It even has one unique opportunity: You can get a price cut for being affiliated with certain universities, companies, or government employers. The list is extensive — Texas alone has over 100 options — so we recommend starting the online quote process to see if your university or employer qualifies. Members of professional associations may be eligible for discounts as well.

Liberty Mutual has some standout resources, too. First: Its MasterThis online courses, which were developed in partnership with HowStuffWorks. These 15 to 20 minute classes explain the different types of coverage, and teach you how to both protect and increase the value of your home. Second: Liberty Mutual has a particularly cool Home Gallery App. It lets you create a photo inventory of your home and belongings that you can use to prove damage and theft, ensuring fair reimbursement.

We’d suggest plugging your information into Liberty Mutual’s quote tool to see what discounts you qualify for — although it doesn’t actually offer quotes online; you’ll have to call and finish the conversation with an agent to get a final price.

Farmers Insurance

Farmers Insurance is tied for ratings with Liberty Mutual: It carries an A from A.M. Best and a ‘Very Good’ ranking from Consumer Reports. As for coverage and discounts, it’s on par with State Farm. That means additional coverage options for valuables and identity theft, and rate cuts for people with multi-line policies, smoke-free homes, and updated plumbing, electrical, or heating systems. All in all these are decent, comprehensive insurance offerings.

That said, we found the Farmers Insurance website to be less helpful or informative than many of the other providers we reviewed. Its Learn From Experience section doesn’t cover the basics of homeowners insurance; instead, it offers articles about travel bucket lists and animal antics. (Learning that a moose once got stuck in a homeowner’s swingset is fun, but it won’t really help you make smart decisions about your insurance policy). Farmers’ mobile app also offers fewer features than Allstate or Liberty Mutual’s. You can’t upload photos to accompany a claim, and you can’t create a home inventory.

It’s worth getting a quote from Farmers if you don’t mind doing without some of the extras that our top-ranked providers can offer. If Farmers offers the best package and rates for your needs, you can work around some of its missing features — like by building your own home inventory instead of creating one via app.

Texas Homeowners Insurance Tips and Tricks

Know whether your insurance includes windstorm or “named storm” deductibles.

Many Texas homeowners insurance policies include two deductibles: one that covers general damage to your home, and one that that specifically covers damage from windstorms. You might even have a third deductible for “named storms” or “tropical cyclones” (think Hurricane Harvey).

If your insurance policy includes multiple deductibles, you’ll need to pay the relevant deductible in full before your insurer will pay any related claims. Any money you paid towards your other deductibles doesn’t count — so if you deal with a sewer backup in February and then a windstorm hits in August, you’ll have to pay against both your primary deductible and your windstorm deductible.

Consider adding flood coverage to your insurance package.

Depending on where you live in Texas, you might want a flood insurance policy — and you’re probably going to get it through the National Flood Insurance Program. This government-backed program provides extra coverage to homeowners in flood-prone areas, including Texas. If your home is at risk, ask your insurance agent to help get you set up; you can’t buy flood insurance directly from the NFIP, but your insurer can.

Make a home inventory in advance in case of theft.

Storms aren’t the only threats you have to worry about. In January 2016, Texas ranked second in the nation for residential theft claims. Make sure you have a current home inventory and photos of any valuables in case you need to file a theft claim of your own. Keeping track of serial numbers is also helpful, both for your insurers and for the police — if they recover the item, the serial number can prove that it’s yours.

Liberty Mutual offers a handy Home Gallery App that lets you keep this inventory right on your phone. With any of our other contenders, you’ll have to keep a list by hand (but if a theft does happen, it’ll be more than worth the effort).

Keep your insurance information in your ‘go bag.’

When a flood, tornado, or hurricane approaches, you’re going to want to get to safe ground fast — and you’ll want to have your insurance information along with you. This means agent names and contact numbers, as well as a copy of your policy and a recent home inventory. You should upload additional copies of this information to a cloud service like Google Drive or Dropbox, along with current photos of your home so you can easily prove which areas of your property were damaged in the event.