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Best For Military Members
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Reviews.com rates USAA as the best homeowners insurance in Texas, earning a 3.8 out of 5.
Farmers insurance has the most discounts for Texas homeowners available.
Travelers offers the cheapest Texas home insurance compared to its competitors, on average, at $1,610.42 a year.
Extreme weather is not uncommon in Texas, which is why homeowners in the Lonestar State should consider investing in home insurance. The average cost of Texas home insurance is $1,955 per year, ranking as the third most expensive state for coverage.
There are dozens of companies that sell homeowners insurance in Texas. We did some research to identify the top providers and found that USAA, Allstate, Farmers, Travelers, and State Farm have the best home insurance in Texas. We chose these providers based on their average rates, coverage options, discounts, and third-party ratings.
The 5 Best Homeowners Insurance in Texas
USAA: Best Texas Home Insurance for Military Members
Allstate: Best Texas Home Insurance for Optional Coverage
**J.D. Power’s 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.
Average Cost of Homeowners Insurance in Texas
The average cost of home insurance in Texas is $1,955 per year, according to the Insurance Information Institute (III). Home insurance in the Lonestar State is much more expensive than average. For comparison, the average cost of home insurance in the United States is $1,249 per year.
Homeowners insurance quotes in Texas are more expensive than average due to the state’s high risk of severe weather. Many of the neighboring states around Texas, including Florida and Lousisna, also have above average rates due to the risk of hurricanes and tropical storms in the region.
The Cheapest Homeowner Insurance Companies in Texas
Using Quadrant Information Services data, we analyzed home insurance companies in the United States and compared the best homeowners insurance rates in Texas. We found that the average premium for home insurance in Texas is $2,200. However, homeowners may be able to find cheap home insurance rates, like $503 a year with Texas Farm Bureau Mut Grp.
These are sample rates and should be used for comparative purposes only. Your quotes may be different. The coverage limits in our methodology are these:
Coverage A, Dwelling: $200,000
Coverage B, Other Structures: $0
Coverage C, Personal Property: $100,000
Coverage D, Loss of Use: $40,000
Coverage E, Liability: $250,000
Coverage F, Medical Payments: $1,500
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
Average Homeowner Insurance Costs by Age of Home in Texas
Age of Home (years)
Sample Annual Premium
Average Across Ages
Top 3 Cheapest Homeowners Insurance Companies in Texas
Texas Farm Bureau Insurance – $503 average annual premium
Bankers Ins Grp– $883 average annual premium
Lighthouse Prop Ins Corp– $934 average annual premium
Top 3 Most Expensive Homeowners Insurance Companies in Texas
The Hartford – $3,843 average annual premium
Amica– $3,274 average annual premium
Progressive– $2,941 average annual premium
Coming in as the least expensive homeowners insurance companies in Texas are Texas Farm Bureau Insurance, First Community Insurance, and United Property & Casualty Insurance. On the other end of the spectrum, Texas Fair Plan Association, Foremost Insurance, and Amica have the highest premiums of the companies we surveyed.
All rates are based on general profiles, so it’s best to ask for individualized quotes to determine which policies offer the best value for the coverage you want.
Common Home Insurance Perils in Texas
When purchasing home insurance, Texas homeowners should consider the high risk of severe weather. Every year, flooding, wildfires, and tornadoes cause damage to homes across the state. However, the most prevalent peril in Texas are hurricanes.
In 2020, Hurricane Hanna touched down in South Texas, dropping between 4 and 12 inches of rain. After the storm, insured losses totaled $350 million to $400 million. Hurricane Beta also hit Texas in 2020, which resulted in 14 inches of rain in Houston, and up to 20 inches of rain in other parts of the state.
Flooding in Texas is also extremely common after tropical storms and hurricanes. The risk is particularly high for homes located along the Gulf of Mexico. The III reports that 563,024 homes in Texas are at risk of serious damage from a category five hurricane.
Flood insurance is the most important coverage for homeowners insurance in Texas because traditional home insurance doesn’t cover floods or water damage. All of the providers we reviewed sell standalone flood insurance through the National Flood Insurance Program (NFIP). You might also consider getting replacement cost coverage for your home and/or belongings, which is also offered by all of the companies on our list.
If you need help deciding what type and how much Texas home insurance coverage you need, here are some state-specific resources to reference:
Home insurance in Texas is pricey because the state has a very high risk of severe weather that can damage and even destroy homes.
We evaluated Texas home insurance companies based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on 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.
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.