Reviews Report

• State Farm, USAA, Allstate, and Farmers remain among the largest and most widely available homeowners insurers in Texas. Recent market-share data indicate Liberty Mutual or Progressive typically round out the top five, while Travelers continues to operate in Texas but usually sits outside the top five by Texas market share (Texas Department of Insurance complaint index; NAIC market share reports).
• Discount strategies have shifted toward verified mitigation and smart‑device programs (e.g., impact‑resistant roofs, water‑leak sensors). Farmers still advertises a broad suite of discounts and tiered coverage, but the biggest savings often come from documented resilience upgrades and device programs recognized by insurers.
• For eligible military families, USAA is frequently competitive and well regarded for catastrophe response; actual premiums vary widely by ZIP code, roof age/material, deductibles, and prior losses.

Extreme weather remains a defining risk in Texas, so homeowners in the Lone Star State should consider investing in home insurance. In 2025, a typical homeowners policy in Texas runs roughly $4,000–$4,800 per year ($330–$420/month) for a home with about $300,000 in dwelling coverage and a $1,000 deductible, based on recent statewide analyses; that’s substantially higher than 2021 levels (Bankrate Texas homeowners insurance; Policygenius pricing report; historical benchmark context from Insurance Information Institute).

There are dozens of companies that sell homeowners insurance in Texas. We reviewed the market and found that State Farm, USAA (eligibility required), Allstate, and Farmers remain strong choices based on scale, coverage breadth, and financial strength. Recent market-share data suggest Liberty Mutual or Progressive typically round out the top five in Texas, with Travelers still a solid option depending on location and coverage needs (TDI complaint index; NAIC market share).

The 5 Best Homeowners Insurance in Texas

• USAA: Best Texas Home Insurance for Military-Focused Coverage
• Allstate: Best Texas Home Insurance for Optional Coverage
• Farmers: Best Texas Home Insurance for Discounts
• Travelers: Best Texas Home Insurance for Green Homes
• State Farm: Best Texas Home Insurance for Policy Bundling

Information current as of 2025; market conditions and rates change frequently.

*Recent statewide averages referenced from Bankrate and Policygenius.

**J.D. Power’s latest U.S. Home Insurance Study is reported on a 1,000-point scale; see the 2024 study for current results.

USAA

Allstate

Farmers

Travelers

State Farm

*Recent statewide averages referenced from Bankrate and Policygenius.

**J.D. Power’s latest U.S. Home Insurance Study is reported on a 1,000-point scale; see the 2024 study for current results.

Average Cost of Homeowners Insurance in Texas

Texas homeowners are paying much more than they did a few years ago. For a benchmark policy with roughly $300,000 in dwelling coverage and a $1,000 deductible, recent statewide analyses place the Texas average around $4,000–$4,800 per year ($330–$420 per month). Methodologies vary, but all show a sharp increase from 2021-era averages as severe hail/wind losses, higher reinsurance costs, and construction inflation have pushed rates higher (Bankrate; Policygenius; historical context: Insurance Information Institute).

Texas rates are elevated in part because of the state’s exposure to severe convective storms (hail and straight‑line wind), tropical cyclones along the Gulf Coast, and, increasingly, wildfire. NOAA and industry loss reports show exceptionally active and costly storm seasons in recent years, which continue to pressure premiums statewide (NOAA Billion‑Dollar Disasters; Aon catastrophe report).

The Cheapest Homeowner Insurance Companies in Texas

Given 2025 market conditions, the “cheapest” homeowners insurer in Texas varies significantly by county, roof age/material, claims history, and deductible structure (many policies now carry separate wind/hail percentage deductibles). Major writers include State Farm, USAA (eligibility required), Allstate, Farmers, Progressive (ASI), and Liberty Mutual/Safeco, among others. Use current quotes and state resources to compare options (TDI complaint index and market share; Bankrate Texas analysis; Policygenius pricing trends).

Any sample rates are for comparison only; your quotes will differ. Our common benchmark uses these limits for comparability:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Sources for current context and benchmarks: Bankrate; Policygenius; market share context: NAIC.

Top 3 Cheapest Homeowners Insurance Companies in Texas

• Cheapest options vary by ZIP code, roof age/material, deductible, and prior losses; compare multiple quotes to identify the lowest premium in your area.
• Eligible military families often find competitive pricing with USAA; availability and deductibles vary by location.
• Major writers such as State Farm, Allstate, Farmers, Progressive (ASI), and Liberty Mutual/Safeco may be cheapest depending on your county and risk profile—shop broadly.

Top 3 Most Expensive Homeowners Insurance Companies in Texas

• Homes in hail‑prone North and Central Texas or along the Gulf Coast often see the highest premiums due to wind/hail and hurricane exposure.
• Older or high‑risk roofs, prior weather losses, and low deductibles can significantly increase premiums regardless of carrier.
• Coastal wind coverage through TWIA has seen steady rate increases (average +5% for 2025), influencing total insurance costs on the coast (TWIA rates).

Common Home Insurance Perils in Texas

Texas faces a high frequency of severe convective storms (hail and straight‑line wind), plus hurricane and flood risk along the Gulf Coast and episodic wildfire. In recent years, severe convective storms have driven a large share of insured losses nationwide, with Texas repeatedly impacted (NOAA Billion‑Dollar Disasters; Aon catastrophe insight).

NOAA documented a record 28 separate billion‑dollar disasters in 2023 nationally, and 2024 again featured an exceptional number of severe weather events, including multiple Texas hail and wind outbreaks. These patterns contribute to higher premiums, larger wind/hail deductibles, and stricter roof requirements in many Texas ZIP codes (NOAA).

Flooding is also common after tropical systems and extreme rain. NFIP premiums are transitioning under FEMA’s Risk Rating 2.0 to more property‑specific pricing, with most annual increases capped at about 18% until they reach risk‑based levels (FEMA Risk Rating 2.0; state impacts: FEMA RR2.0 state profiles).

Add-on homeowners insurance in Texas

Standard home insurance covers your home, personal items, and liability, plus a few other things. You can see exactly what’s covered on your policy declaration page. Given today’s risk environment, many Texas homeowners also add optional coverages or adjust deductibles for extra protection — for example, water backup, service line/equipment breakdown, and endorsements that restore replacement cost on roofs in hail‑prone areas (where some policies default to ACV for roof surfacing).

Flood insurance remains a key add‑on because standard home policies exclude flood. All of the providers we reviewed can help you obtain NFIP policies, and private flood options are also available. Under Risk Rating 2.0, NFIP premiums are becoming more granular, with most annual increases capped near 18% (FEMA Risk Rating 2.0). On the coast, some wind coverage is placed through TWIA, which has implemented rate increases in recent years (TWIA rates).

If you need help deciding what type and how much Texas home insurance coverage you need, here are some state-specific resources to reference:

• Texas Department of Insurance: Home Insurance Guide
• Texas Department of Insurance: 10 Steps to Find the Right Home Insurance
• NFIP: How to Buy Flood Insurance

Texas Home Insurance FAQ

Methodology

We evaluated Texas home insurance companies based on availability, customer satisfaction, financial stability, and coverage to create our best home insurance reviews. To compare home insurance companies with other providers across the board, we review the following:

• Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
• Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
• Customer Satisfaction: With J.D. Power’s 2024 U.S. Home Insurance Study, we assigned a score to each company based on the rating it received.
• Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
• Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score.

Rates and comparisons reflect current statewide analyses and public filings where available. Methodologies differ by source, and your quotes will vary based on location, coverage, and underwriting factors (Bankrate; Policygenius).

The coverage limits for home insurance rates reflect the following coverage and limits:

• Coverage A, Dwelling: $250,000
• Coverage B, Other Structures: $25,000
• Coverage C, Personal Property: $125,000
• Coverage D, Loss of Use: $50,000
• Coverage E, Liability: $300,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

Keep Reading

Guide to Homeowners Insurance Coverage

The Cost of Flood Insurance

Is Hurricane Damage Covered by Flood Insurance?