Best Homeowners Insurance in Texas for 2024

State Farm offers the best homeowners insurance in Texas.

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Updated: 26 March 2024
Written by
Bob Phillips
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Homeowners in Texas face the specter of damaging winds and hail associated with tornadoes during the spring months and frozen and broken water pipes during the occasional freeze. Because of this, some insurers no longer offer homeowners insurance in Texas, and those that do continually raise their rates.

This constantly leaves Texas homeowners searching for the best homeowners insurance companies in Texas. If you’re looking for a solution to the problem of finding the best property insurance carrier, you’ve come to the right place.

Having lived in Texas since 2013, I understand the difficulties of selecting a suitable company to safeguard your home and possessions from unforeseen damages. Through my extensive research and personal experience, I have found that State Farm stands out as the best home insurance company overall. However, I encourage you to read about the other home insurance companies in Texas that we have reviewed and make your own informed decision.

Best Homeowners Insurance Companies In Texas, 2024

Best Overall - State Farm
Best For Discounts - Allstate
Best Texas-Based Company - Texas Farm Bureau
Best Home Insurance, Texas, 2024

Compare The Best Home Insurance Companies In Texas

Overall Rating AM Best Rating (A++ Best) J.D. Power Customer Satisfaction Rating (1000 Best) Online Experience Rating (10.0 Best) Best Suited For Get A Quote
State Farm




Best Overall

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Policy Perks

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Cheap Rates

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Texas Farm Bureau


Not Rated


Texas Based Insurer

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Coverage Options

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Our Methodology

To determine the best home insurance companies in Texas, we relied on objective data from rating services AM Best (financial strength) and J.D. Power (customer satisfaction). In addition, we took into account feedback from various consumer sites and the author's personal experience.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

The Best Homeowners Insurance Companies In Texas

Best Coverage Options

Overall Rating

Key Statistics

8/10 Affordability
6/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

Nationwide has earned an A+ (Superior) rating from AM Best for financial strength but scores low in customer satisfaction based on numerous negative online reviews left by policyholders. The company has a strong agent presence in Texas with many neighborhood offices.

With Nationwide’s standard homeowners insurance policy, you can enjoy coverage not offered by many other carriers. This includes reimbursement for credit card fraud and ordinance or law coverage if you need to rebuild and comply with more stringent codes.

You can also customize your policy with some unique options, like Better Roof Replacement, which will pay for upgraded roofing materials if they must be replaced following a qualified event. In addition, if you own a home and a car, you can bundle up home and auto insurance to save money. Unfortunately, if you’re after flood insurance, you will need to contact the National Flood Insurance Program (NFIP) and get a quote directly from them.

Another option, Brand New Belongings, provides replacement cost coverage for your personal belongings. You’ll be reimbursed for their depreciated value if your items are damaged or destroyed. You can then purchase replacements, send the receipts to Nationwide, and be reimbursed for the cost difference.

Benefits & Drawbacks

  • Multiple high-quality coverage options
  • Strong AM Best rating for financial security
  • Many local agents for sales and service
  • Numerous negative online customer reviews
  • Doesn’t cover short-term rentals like Airbnb

Best For Policy Perks

Overall Rating

Key Statistics

9/10 Affordability
6/10 Customer Reviews
7/10 Claims
9/10 Coverage Level

Why We Like Them

Not only does Farmers rank highest for the perks it offers, but it also has a high score for “online experience” because of how well it explains these perks and its discounts to current and prospective insureds. Some of these home insurance perks include:

  • Guaranteed replacement cost: Farmers pays the full cost to rebuild your home, no matter how much it costs.
  • Claim Forgiveness: your premiums won’t be raised because of a claim once you’ve gone claim-free with Farmers for five years.
  • Declining deductible: earn $50 toward your home insurance deductible each year your home policy remains in force.
  • Claim-free discount: receive a discount on your home insurance if you’ve been claim-free for three years.
  • Multi-policy savings: save up to 34% on Farmers home insurance when you purchase multiple policies with Farmers

Farmers’ overall score of 9.3/10 reflects its low J.D. Power customer satisfaction ratings for policyholder service.

Benefits & Drawbacks

  • Over twelve discounts are available
  • Guaranteed replacement cost coverage is standard
  • Many Farmers agents in Texas
  • Below-average score on J.D. Powers’ overall customer satisfaction ratings

Best Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
10/10 Coverage Level

Why We Like Them

State Farm was our best overall option based on its solid agent presence in Texas, high customer satisfaction ratings, and affordable premiums. Its high J.D. Power policyholder service ratings are critical because of not only the agent presence in the aftermath of a tornado or other severe storm but also because of the many claims adjusters and claims offices State Farm has in Texas.

At State Farm, you can choose a standard homeowners insurance policy and add extra coverage options to fit your needs. These can include protection for meeting standards imposed by new ordinances and laws when re-building, identity theft, and valuable items like jewelry or collectibles. In addition, if you own a home and a car, you can bundle up home and auto insurance to save money. It’s worth noting that State Farm has the best possible financial strength rating from AM Best, with an A++.

To start the process of getting a quote from State Farm, you can begin online. However, to purchase a policy, you’ll need to work with a local agent. State Farm policyholders can easily access their accounts using the website or app. You can also use these tools to file claims and enroll in paperless billing. Additionally, the website offers a helpful resource library to learn more about insurance.

Benefits & Drawbacks

  • Competitive premiums
  • Earns highest financial strength rating available
  • Has the highest number of local agents in Texas
  • Policies not available through independent agents

Best For Cheapest Coverage

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why we Like Them

Chubb offers the cheapest home insurance in Texas. Its average policy cost is $1,362 per year, which is $1,170 less expensive than the statewide average.

Chubb offers the most affordable home insurance rates in Texas without compromising on coverage. Their policies are tailor-made for high-value homes, and they’re known for their strong financial stability and exceptional customer service. Unfortunately, if you’re after flood insurance, you will need to contact the National Flood Insurance Program (NFIP) and get a quote directly from them.

With Chubb, you’re not just getting low premiums but also extended replacement cost coverage that will repair or replace your items even if they’re worth less than their original purchase price.

Benefits & Drawbacks

  • Cheapest rates in Texas
  • Has specialized policy packages for high-value homes
  • Has a long list of coverage options to personalize home insurance coverage for every need
  • No online quote tool
  • Lacks scheduled personal property coverage

Best Texas-Based Home Insurer

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

Available only to Texas residents, Texas Farm Bureau provides basic home insurance coverage at competitive rates. The company has a strong customer service reputation in The Lone Star State and offers a healthy number of discounts if you qualify, which makes its rates even more affordable. In addition, if you own a home and a car, you can bundle up home and auto insurance to get a better deal.

One downside to Texas Farm Bureau is that you can’t get insurance quotes online for either their home or auto insurance. This can make it harder for you to get a quick price and compare it to quotes from other insurers. In addition, if you’re after flood insurance, you will need to contact the National Flood Insurance Program (NFIP) and get a quote directly from them.

Also, be aware that with Texas Farm Bureau home insurance, its “named-peril” policies only provide coverage if the damage to your home is caused by a peril specifically named in the policy.

Benefits & Drawbacks

  • The company is based in Texas
  • Offers competitive rates
  • Strong customer service reputation
  • Few policy options offered
  • No online quotes available – agent only

Best For Discounts

Overall Rating

Key Statistics

8/10 Affordability
7/10 Customer Reviews
8/10 Claims
10/10 Coverage Level

Why We Like Them

Allstate has a total of 11 home insurance discounts, which is significantly higher than the home insurance industry average of seven discounts. Home insurance analysts, including me, consider some of Allstate’s discounts to be unique offerings. 

Allstate’s discounts include:

  • Claims forgiveness: additional coverage which keeps your rate from increasing after you file a claim
  • Claims-free: customers can get 5% back on renewal as long as they remain claims-free every year
  • Deductible reward: $100 off deductible upon signing up
  • Bundle: up to 25% savings for bundling home and car insurance
  • Automatic payment: saves up to 5%
  • Loyalty: up to 10% for renewing with Allstate
  • Home buyer: discount for recent homebuyers
  • New home: discount for insuring a newly constructed home
  • Responsible payment: additional discount for having a good payment history
  • Early payment: up to 10% for buying a new policy at least seven days before your old policy expires
  • Protective device: discount for installing theft and fire protection

Almost double the industry average of five, Allstate also offers nine optional coverage types for homeowners insurance. Aside from the commonly offered ones like ID theft and scheduled personal property, Allstate offers unique coverage for homeowners with a yard and garden insurance option, which increases the coverage limits for replacing landscaping and riding lawnmowers.

Benefits & Drawbacks

  • Offers a large number of discounts
  • Many local agents and claims adjusters in Texas
  • Very stable financially
  • Receives more complaints than the national average

Average Cost Of Homeowners Insurance In Texas

City Annual Cost
Houston $2,496
Corpus Christi $3,227
Amarillo $3,339
El Paso $1,412
Dallas $2,927
Austin $1,709
San Antonio $1,643
Brownsville $2,400
Irving $3,115

Cheapest Homeowners Insurance In Texas

Insurer Annual Rate
Chubb $1,371
Farmers $1,438
USAA $2,173
Allstate $2,232
Texas Average Rate $2,532
Amica $2,650
State Farm $2,717
Nationwide $2,984
State Auto $3,156

Cheapest Cities For Homeowners Insurance In Texas

City Annual Rate
Biggs Field $1,426
Fort Bliss $1,416
El Paso $1,418
Clint $1,404
Fabens $1,426

The most affordable ZIP codes for homeowners insurance in Texas

The rates for home insurance in Texas vary widely by ZIP code, ranging from a low of $1,426 in Biggs Field  ZIP code 79918, to a high of $5,875 in Fresno ZIP code 77545. The least expensive rates by ZIP code in Texas are:

ZIP Code City Lowest Rate
79918 Biggs Field $1,426
79968 El Paso $1,627
78710 Austin $2,276
79834 Alpine $2,337

Most Expensive Cities For Homeowners Insurance In Texas

City Highest Rate
Slidell $4,107
South Plains $4,063
Taylor Lake Village $4,497
Aiken $4,067

Home Insurance Premiums By Deductible In Texas

Deductible Average Annual Rate
$500 $2,721
$1,000 $2,562
$1,500 $2,480
$2,000 $2,286
$5,000 $2,001

Home Insurance Prices By Dwelling Coverage Level In Texas

Coverage Level Average Annual Rate
$100,000 Dwelling Coverage $1,367
$200,000 Dwelling Coverage $2,197
$250,000 Dwelling Coverage $2,562
$400,000 Dwelling Coverage $3,750

Cheapest Texas Homeowners insurance rates for poor credit

Home Insurance Provider Annual Cost
State Farm $4,816
Farmers $1,013
USAA $3,280
Nationwide $5,696
Chubb $5,919

How To Find The Best Homeowners Insurance Company For You

Finding the right home insurance company in Texas requires some effort and time, but it’s a worthwhile investment. Your home is likely your most valuable asset, so safeguarding it and all your belongings is crucial for the long-term financial security of your family.

Follow these five easy steps to find the best policy for you:

  1. Do online research on homeowners insurers in Texas and narrow down your list to three carriers you feel comfortable with
  2. Decide the coverage limits you need (you may need an agent to assist you with this)
  3. Get quotes for the coverage from the three insurers
  4. Choose a carrier based on coverage, customer reviews, financial strength, and insurance rates
  5. Complete your application for coverage

Some Texas homeowners insurance companies offer online options for getting quotes and completing an application, while others require you to speak with an agent.

How To Get An Online Homeowners Insurance Quote In Texas

Getting a quote and choosing the best cheap home insurance in Texas has never been easier. Simply follow these three steps:

  1. Complete the Insuranceopedia quote form by answering questions concerning your home and contents’ value, the age of your home, square footage, exterior composition, the zip code of your home, and other requested information
  2. Submit the information and receive your quotes
  3. Select your preferred company and complete the application

There may be other Texas homeowners insurance companies that may interest you that don’t give online quotes. In that case, you’ll need to call a licensed agent or broker near you who represents those insurance companies.

Factors That Impact Cost Of Your Home Insurance Policy In Texas

Numerous factors determine how much home insurance in Texas costs, such as:

  • The location of the home (zip code) – you’ll pay higher rates if you live in a zip code that’s prone to weather events such as hurricane’s or hail damage
  • The home’s age – the rates for homes over 30 years old are typically as much as 75% higher than new homes because of rebuilding costs due to newer code restrictions and upgraded building materials needing to be used
  • Proximity to flood zones – living in a flood zone or near one of the many lakes in Texas or on the Gulf Coast increases the likelihood of claims that are flood-related
  • Your claim history – if you’ve filed homeowners insurance related claims in the past, insurers will charge you more than someone with a clean claims record
  • Coverage amounts & deductible – the higher the value of your home, the higher the replacement cost will be, which means your insurer is going to charge you more. Having a low deductible will also raise your rates; so increase it to partially offset some of your homeowners insurance costs.

Homeowners Insurance Discounts In Texas

When buying home insurance in Texas, ask your agent for any discounts that will lower your premium. Many times you can get multiple discounts on the same policy, such as:

  • Claims-free: customers can get a discount when they renew their policy as long as they remain claims-free every year
  • Bundle: up to a 25% discount with some home insurance companies in Texas for bundling home and car insurance
  • Automatic payment: discount for having your premium automatically deducted from your checking account
  • New home: discount for insuring a newly constructed home
  • Responsible payment: additional discount for having a good payment history
  • Early payment: a discount for buying a new policy at least seven days before your old policy expires

Texas Home Insurance Laws To Know

Texas law requires home insurance companies to charge rates that are fair, reasonable, and adequate for the risks they cover. The state doesn’t approve rates in advance, but if it finds an insurance company’s rates are too high, it can require the insurer to pay refunds to the people it overcharged.

 In The News

According to the Fort Worth Star-Telegram, Texans pay 113% more on average than the rest of the U.S. for home insurance.


Is home insurance more expensive in Texas?

Yes, homeowners insurance in TX is higher than in many other states. Because of its well-developed coastal areas along the Gulf of Mexico, home insurance companies in Texas have lost billions of dollars on just a single hurricane. These large losses result in significant rate increases for homeowners in Texas.

How much per month is a million-dollar home insurance policy in Texas?

Rates will vary by insurer, but two carriers with the lowest homeowners insurance rates in Texas are Chubb at $1,371 per year and Farmers at $1,438 per year.



What is the average monthly cost of homeowners insurance in Texas?

That will depend on the home’s value, but $250,000 in dwelling coverage will average around $2,562 per year.

What is the Texas Windstorm Insurance Association?

The Texas Windstorm Insurance Association (TWIA) is a state-operated, non-profit insurance entity that provides coverage for wind and hail damage to properties in coastal areas of Texas.

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