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The Best Homeowners Insurance Companies in Texas

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    When it comes to the variety and frequency of natural disasters, Texas ranks first in the nation. The state has it all — flooding, tornadoes, hurricanes, wildfires, sinkholes, and hailstorms. The best homeowners insurance in Texas needs to provide comprehensive coverage to make sure residents of the Lone Star State are protected. 

    The best homeowners insurance is the first defense against protecting your home and its contents. We reviewed all the Texas home insurance companies and analyzed customer satisfaction ratings, financial stability, market share, coverages and affordable policies offered to bring you the four best home insurance companies in Texas. 

    We found that the best home insurance Texas coverage can be found with Allstate, USAA, State Farm and Amica.

    The 4 Best Homeowners Insurance Companies in Texas

    Reviews.com Score Average Price 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. J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Allstate4$956A+882 Show Details

    PROS

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    CONS

    • NAIC complaint index high
    • Financial strength
    Pin USAA4$1,132A++904 Show Details

    PROS

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    CONS

    • Only available to current and former military members and their families
    • Limited discounts
    Pin State Farm3.75$1,515A++878 Show Details

    PROS

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    CONS

    • Limited discounts
    • Higher premiums
    Pin Amica4.25$3,518A+902 Show Details

    PROS

    • Great customer service
    • Handles claims quickly and efficiently
    • Money-back dividends for some policies
    • Replacement value for personal belongings

    CONS

    • Bare-bones website
    • Limited discounts

    Allstate

    Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.

    Best for New Homebuyers

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • 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.
    • 882* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    Cons

    • NAIC complaint index high
    • Financial strength
    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on Allstate:

    USAA

    Like Amica, USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.

    Best for Military Members and Families

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • 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.
    • 904* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • B+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    Cons

    • Only available to current and former military members and their families
    • Limited discounts
    Read More

    Discounts available

    • Save 10% if you bundle with auto
    • Claims-free 10% discount
    • Home security system discount

    Unique features

    USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on USAA:

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.

    Best for Fast Claim Payments

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • 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.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • NR BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    Discounts available

    • Multiple policy discount
    • Fire, smoke, or burglar alarms discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on State Farm:

    Amica

    Amica is not one of the largest insurers in the U.S., but its great customer service outperforms many of the big names in the industry. It offers standard coverage options and, since it’s owned by its policyholders, you may receive a dividend each year.

    Best for Customer Service

    Why we chose it

    Amica scores highly with consumer satisfaction organizations, but the reason isn’t that it has a lot of unique bells and whistles. Instead, the company has a laser-focus on the customer experience and everything it does, from online quotes to claims payout, is designed to keep its policyholders happy.
    • 4.25 Reviews Score
    • 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.
    • 902* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Amica scores highly with consumer satisfaction organizations, but the reason isn’t that it has a lot of unique bells and whistles. Instead, the company has a laser-focus on the customer experience and everything it does, from online quotes to claims payout, is designed to keep its policyholders happy.

    Pros

    • Great customer service
    • Handles claims quickly and efficiently
    • Money-back dividends for some policies
    • Replacement value for personal belongings

    Cons

    • Bare-bones website
    • Limited discounts
    Read More

    Discounts available

    • Credit when you insure your new or remodeled home
    • Burglar or fire alarms; sprinkler system
    • Automatic detection devices such as a water or gas leak system

    Unique features

    Amica’s most unique feature is its consistent appearance at the top of best customer service lists. It’s been number one with J.D. Powers, in fact, for 18 years—that’s a legacy of customer care that is hard to match.

    *J.D. Power 2020 U.S. Property Claims Customer Satisfaction Study, based on a 1,000-point scale

    Further Reading on Amica:

    Average Cost of Homeowners Insurance in Texas

    According to the NAIC, homeowners insurance Texas costs are $608 higher than the national average of $1,211. Texas homeowners pay over $1,800 per year on average because of the high amount of insurance claims filed due to numerous natural disasters. Texas has declared at least one natural disaster every year since 2015, with two declared natural disasters in 2019 and three in 2016, driving insurance premiums up.

    Home Insurance Add-Ons That Will Further Protect You

    Not all hazards are covered in a standard homeowners insurance policy. Flood insurance isn’t required unless you’re paying a mortgage, but it’s recommended if you live near one of the many high-risk flood zones in the state. The average Texas flood insurance policy costs $700 per year and must be purchased through the National Flood Insurance Program. 

    Further reading:

    If you live near the coast, windstorm insurance would be another policy worth considering. Most Texas home insurance companies offer it as an add-on or you can buy it through the Texas Windstorm Insurance Association.

    The Cheapest Homeowners Insurance Companies in Texas

    Largest Companies by Market Share in TexasAverage Annual Premium 
    Texas Farm Bureau Mut Ins Co$533.00
    First Community Ins Co$555.00
    United Prop & Cas Ins Co$934.00
    Allstate$956.00
    Texas ISO$1,091.00
    USAA$1,132.00
    Farmers Insurance$1,268.00
    ASI Lloyds$1,426.00
    Nationwide$1,470.00
    State Farm$1,515.00
    Chubb$1,614.00
    Universal N Amer Ins Co HO-B$2,018.00
    Armed Forces Ins Exch$2,185.00
    The Hartford$2,630.00
    Republic Lloyds$2,832.00
    Amica$3,518.00
    Foremost Insurance$4,309.00
    Texas Fair Plan Assn$4,754.00

    Cost of Homeowners Insurance by Age of Home

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

    Top 3 Cheapest Homeowners Insurance Companies in Texas

    • Texas Farm Bureau Insurance – $533
    • First Community Insurance – $555
    • United Property & Casualty Insurance – $934

    Top 3 Most Expensive Homeowners Insurance Companies in Texas

    • Texas Fair Plan Association – $4,754
    • Foremost Insurance – $4,309
    • Amica – $3,518

    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. 

    Homeowners Insurance in Texas FAQ

    Is homeowners insurance required in Texas?

    Texas laws don’t require homeowner’s insurance, but your lender requires it if you still have a mortgage. 

    What is the cheapest homeowners insurance in Texas?

    Texas Farm Bureau Insurance has the cheapest homeowners insurance in Texas, though prices for your home may be higher or lower based on several circumstantial factors. You can discover which company offers you the best price and value by asking for and comparing personalized quotes from various companies.

    Do I need hurricane insurance in Texas?

    Hurricane Harvey, one of the costliest hurricanes in history, hit Texas in 2017. If you live near the coast in Texas, having flooding insurance and a windstorm insurance policy would cover you against losses from a hurricane.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
    • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
    • Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    About the Authors

    Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.