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The Best Homeowners Insurance in Texas of 2021

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    Reviews Report

    • 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 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 $2,088 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
    • Farmers: Best Texas Home Insurance for Discounts
    • Travelers: Best Texas Home Insurance for Green Homes
    • State Farm: Best Texas Home Insurance for Policy Bundling

    Compare the Best Texas Home Insurance Companies

    Reviews.com Score Average Premium* J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. Standard & Poor’s Standard & Poor’s (S&P) rates creditworthiness for businesses, countries and cities that issue bonds.
    Pin USAA3.8$1,974889A++AAA
    Pin Allstate3.8$2,762829A+A
    Pin Farmers3.2$2,130814AA
    Pin Travelers3.2$1,610803A++AA
    Pin State Farm2.8$2,162829A++AA

    Information accurate as of September 2021

    *Data provided by Coverage.com

    **J.D. Power’s 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

    Best for Military Members

    Why we chose it

    USAA offers some of the most affordable and highly-rated home insurance coverage to Texas homeowners who are affiliated with the military.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,974* Average Premium Pricing data comes from our partners at Coverage.com.
    • 889** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    USAA offers some of the most affordable and highly-rated home insurance coverage to Texas homeowners who are affiliated with the military.

    Pros

    • Strong financial and customer satisfaction ratings
    • Mobile claim filing and tracking
    • Low customer complaint ratings
    • Policies come standard with replacement cost coverage

    Cons

    • Limited discounts
    • Only available to military
    • Few additional coverage options
    Read More

    Available discounts

    • Multi-policy
    • Claims-free
    • Home security system

    Additional Coverage

    • Home sharing coverage
    • Earthquake coverage
    • Identity theft coverage
    • Military uniform coverage
    • Other structures coverage
    • Replacement cost coverage

    More USAA Insurance Reviews

    Best for Optional Coverage

    Why we chose it

    Allstate offers an impressive list of optional coverages that can help Texas homeowners customize a policy that fits their unique needs.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,762* Average Premium Pricing data comes from our partners at Coverage.com.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Allstate offers an impressive list of optional coverages that can help Texas homeowners customize a policy that fits their unique needs.

    Pros

    • Great add-on coverages
    • Good variety of discounts
    • Excellent financial strength rating

    Cons

    • High customer complaint ratings
    • Average customer satisfaction rating
    • Premiums can be expensive
    Read More

    Available Discounts

    • Multi-policy
    • Responsible payer
    • Claim-free
    • Welcome and loyalty
    • New homebuyer
    • AutoPay
    • Protective device
    • Early signing

    Additional Coverage

    • Identity theft
    • Water backup
    • Scheduled personal property
    • Business property
    • Sports equipment
    • Green improvement reimbursement
    • Yard and garden
    • Electronic data recovery
    • Musical instruments

    More Allstate Insurance Reviews

    Best for Discounts

    Farmers

    Farmers offers a long list of impressive discounts, which makes it a great option for Texas homeowners who are looking for affordable, yet robust coverage.
    • 3.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,130* Average Premium Pricing data comes from our partners at Coverage.com.
    • 814** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Farmers offers a long list of impressive discounts, which makes it a great option for Texas homeowners who are looking for affordable, yet robust coverage.

    Pros

    • Generous discounts
    • Variety of free perks with every policy
    • Tiered coverage makes it easy to choose a plan with tailored coverage

    Cons

    • Not the best customer satisfaction rating
    • Coverage can be expensive
    • Financial strength rating is lower than some other providers
    Read More

    Available Discounts

    • Multi-policy
    • Claim-free
    • Protective device
    • Home safety features
    • Non smoker
    • Affinity group/occupation
    • Paperless statements
    • UL-approved roofing materials
    • New home
    • Green certifications
    • Connected home
    • AutoPay
    • Responsible payer
    • Rent to own

    Additional Coverage

    • Personal possessions
    • Eco rebuild coverage
    • Contents replacement cost
    • Identity theft

    More Farmers Insurance Reviews

    Best for Green Homes

    Why we chose it

    Travelers has special types of coverage and discounts for Texas homeowners who live in a green home that is LEED certified or built with sustainable materials.
    • 3.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,610* Average Premium Pricing data comes from our partners at Coverage.com.
    • 803** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Travelers has special types of coverage and discounts for Texas homeowners who live in a green home that is LEED certified or built with sustainable materials.

    Pros

    • Very affordable coverage
    • Great financial strength rating
    • Special coverage for green homes
    • Above average claims satisfaction score

    Cons

    • Below average customer satisfaction rating
    • Discounts are fairly basic
    • Not the best for online tools or resources
    Read More

    Available Discounts

    • Multi-policy
    • Home buyer
    • Loss-free
    • Protective device
    • Green home
    • Affinity group

    Additional Coverage

    • Special personal property
    • Contents replacement cost
    • Additional replacement cost
    • Jewelry and valuables
    • Personal articles floater
    • Water backup/sump pump
    • Identity fraud
    • Green home coverage

    More Travelers Insurance Reviews

    Best for Policy Bundling

    Why we chose it

    Texas homeowners who want to bundle their home and auto insurance should consider State Farm, which offers savings of up to $965, one of the biggest discounts on the market.
    • 2.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,162* Average Premium Pricing data comes from our partners at Coverage.com.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.

    Why we chose it

    Texas homeowners who want to bundle their home and auto insurance should consider State Farm, which offers savings of up to $965, one of the biggest discounts on the market.

    Pros

    • One of the best policy bundling discounts
    • Excellent financial strength rating
    • Large network of agents around the country

    Cons

    • Below average customer satisfaction rating
    • Not many discounts
    • Poor claims satisfaction score
    Read More

    Available Discounts

    • Policy bundling
    • Home security system
    • Impact-resistant roof

    Additional Coverage

    • Flood insurance
    • Earthquake insurance
    • Replacement cost coverage
    • Water backup/sump pump
    • Identity theft
    • Home systems protection
    • Service line coverage
    • Scheduled personal property

    More State Farm Insurance Reviews

    *Data provided by Coverage.com

    **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 $2,088 per year, according to quoted annual premiums from Coverage.com. 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 $1,618 per year. 

    Homeowners insurance quotes in Texas are more expensive than average, in large part due to the state’s high risk of severe weather. Many of the neighboring states around Texas, including Florida and Louisiana, 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 rates for homeowners insurance Texas has to offer. We found that the average premium for home insurance in Texas is $2,088. 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).

    Carrier  Yearly Average Premium  Montly Average Prremium  
    The Hartford $ 3,843.41 $   384.34
    Amica $ 3,274.90 $   327.49
    TFP & TWI Grp $ 3,158.34 $   315.83
    Progressive $ 2,941.00 $   294.10
    Nationwide $ 2,780.41 $   278.04
    Allstate $ 2,761.59 $   276.16
    Delek $ 2,673.07 $   267.31
    Chubb $ 2,511.94 $   251.19
    Homeowners of Amer Ins Co $ 2,365.78 $   236.58
    UNIVERSAL Ins CO Grp $ 2,345.88 $   234.59
    United Ins Holdings Grp $ 2,283.31 $   228.33
    State Farm $ 2,161.88 $   216.19
    Farmers $ 2,129.92 $   212.99
    USAA $ 1,974.49 $   197.45
    Armed Forces Ins Exch $ 1,662.14 $   166.21
    Travelers $ 1,610.42 $   161.04
    White Mountains $ 1,255.65 $   125.56
    Lighthouse Prop Ins Corp $    896.41 $     89.64
    Bankers Ins Grp $    883.40 $     88.34
    Texas Farm Bureau Mut Grp $    503.18 $     50.32

    Source: Coverage.com

    Top 3 Cheapest Homeowners Insurance Companies in Texas

    • Texas Farm Bureau Insurance – $503 average annual minimum coverage premium
    • Bankers Ins Grp– $883 average annual minimum coverage premium
    • Lighthouse Prop Ins Corp – $896 average annual minimum coverage premium

    Top 3 Most Expensive Homeowners Insurance Companies in Texas

    • The Hartford – $3,843 average annual minimum coverage premium
    • Amica – $3,275 average annual minimum coverage premium
    • TFP & TWI Group – $3,158 average annual minimum coverage premium
    Allstate $2,762 
    Amica $3,275 
    Armed Forces Ins Exch $1,662 
    Bankers Ins Grp $883 
    Chubb $2,512 
    Delek $2,673 
    Farmers $2,130 
    Homeowners of Amer Ins Co $2,366 
    Lighthouse Prop Ins Corp $896 
    Nationwide $2,780 
    Progressive $2,941 
    State Farm $2,162 
    Texas Farm Bureau Mut Grp $503 
    TFP & TWI Grp $3,158 
    The Hartford $3,843 
    Travelers $1,610 
    United Ins Holdings Grp $2,283 
    UNIVERSAL Ins CO Grp $2,346 
    USAA $1,974 
    White Mountains $1,256 

    Average Homeowner Insurance Costs by Age of Home in Texas

    Age of Home (years)Sample Annual Premium 
    5$1,941
    20$2,400
    35$2,514
    50$2,549
    Average Across Ages$2,351

    Coming in as the least expensive Texas homeowners insurance companies are Texas Farm Bureau Insurance, Bankers Insurance Group, and Lighthouse Property Insurance Corporation. On the other end of the spectrum, The Hartford, Amica, and TFP & TWI Group 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 estimates that 563,024 homes in Texas are at risk of serious damage from a category five hurricane.

    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. However, Texas homeowners should also consider adding optional coverages to their home insurance in Texas for added protection. 

    Flood insurance could be one of 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:

    Texas Home Insurance FAQ

    Methodology

    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.
    • Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction 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.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    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.

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