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Best For Military Members
AM Best Financial Strength Rating 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.
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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 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
**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).
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
Armed Forces Ins Exch
Bankers Ins Grp
Homeowners of Amer Ins Co
Lighthouse Prop Ins Corp
Texas Farm Bureau Mut Grp
TFP & TWI Grp
United Ins Holdings Grp
UNIVERSAL Ins CO Grp
Average Homeowner Insurance Costs by Age of Home in Texas
Age of Home (years)
Sample Annual Premium
Average Across Ages
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.
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:
The average cost of home insurance in Texas is $2,088 per year. However, your rate for Texas home insurance could differ based on the insurance company and coverages you choose. What discounts you qualify for and how much it saves on the cost of home insurance will also factor into your average rates. Your personal information also has an impact on your homeowners rates, including your ZIP code, age, marital status, credit score, and claim history.
Based on our provider comparison, Travelers has the cheapest home insurance in Texas, with an average annual rate of $1,610. With so many factors used to create homeowners insurance rates, you may find that Travelers isn’t the cheapest for your insurance needs. To find out if Travelers is your cheapest option, compare homeowners insurance quotes from several carriers offering coverage in Texas.
There are lots of great home insurance companies in Texas with different coverages and discounts to meet most homeowners’ needs. Based on our review, USAA is the best home insurance in Texas. For those who don’t qualify for USAA insurance, consider carriers like Allstate, Farmers, State Farm, and Travelers.
Home insurance rates are based on risk. States like Texas, with a high probability of severe weather, are usually more expensive for home insurance compared to other states. The best way to get cheap home insurance in Texas is to shop around for rates and take advantage of all the discounts you’re eligible for so you don’t have to sacrifice on coverages.
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.