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Texas home insurance can protect against natural disasters, theft and more. Read our guide to compare the top providers in the state on coverage and pricing.
From windstorms and tornadoes to heavy rainfall and flooding, Texas’ climate can be unpredictable and risky. Whether you’re located in Houston, Dallas or somewhere else in the state, purchasing a homeowners insurance policy on your property can protect you from large out-of-pocket expenses in the event of a damaging natural disaster, hail damage, fire, theft, or other covered peril.
We at the Guides Home Team researched dozens of home insurance companies, analyzing what each provider offers in terms of coverage, benefits, customer service, pricing and more. Keep reading to learn about the best home insurance providers in the Lone Star State and decide which insurer is best for your property.
After in-depth research, we at the Guides Home Team found the following are Texas’s best homeowners insurance providers:
Use the chart below to compare prices for each provider against the average monthly premium in Texas of $165.
We have included sample rates in this review that reflect quotes we received for a single family home with $350,000 in dwelling coverage and a $1,000 deductible. These rates were taken from data provided by Quadrant Information Services, The Texas Department of Insurance, and quotes obtained directly from providers.
Jump to: Lemonade | State Farm | Allstate | Travelers | USAA
If you’re looking for a home insurance company in Texas that places an emphasis on connectivity and fast claim-filing through technological features, consider Lemonade. The company has a mobile app with artificial intelligence software for claim filing and processing, allowing customers to easily manage their policies.
The company also offers renters and pet insurance and is committed to the community, donating unused insurance premiums to charities each year.
Sample Premium: $227 /month
Discounts: Home safety features like an alarm system, fire safety equipment and devices, gated community, proximity to fire station and hydrants, building frame type
Endorsements: Unmarried significant other, water backup, swimming pool liability, specific coverage for high-value items including fine art, bikes, cameras and musical instruments
Get a quote from Lemonade Homeowners Insurance
To Learn More: Lemonade Home Insurance Review
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*A.M. Best ratings accurate as of January 2023
State Farm is our pick for new homeowners because of its helpful online resources, including the 360Value tool that estimates the replacement value of your home and prefills your quote application based on its insurance coverage recommendations. Additionally, the insurer offers a unique personal touch by directly connecting each customer with a local agent to help them set up and manage their policy.
Sample Premium: $152 /month
Discounts: Roof type, security and fire alarm systems, claim-free history, multi-policy bundling
Endorsements: Loss assessment coverage for HOA charges from damaged shared space or amenities, water backup, earthquake protection, home systems, identity theft protection
Get a Quote: Call 1-360-262-2561 today for a free State Farm home insurance quote
To Learn More: State Farm Home Insurance Review
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Allstate is a well-known, established insurance provider with comprehensive policies, great customer service, and an extensive list of discounts and add-ons to help customize policies. One unique benefit of Allstate is the Claim RateGuard add-on that protects your premium from increasing after you make a claim.
Sample Premium: $224 /month
Discounts: On-time payment, claim-free history, protective devices like alarm systems, welcome discount for new customers, auto-pay, loyalty, bundling with other policies, early signing
Endorsements: Roof surfaces, water backup, green improvements, building codes, identity theft protection, jewelry, watches, furs
Get a quote from Allstate Homeowners Insurance
To Learn More: Allstate Home Insurance Review
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When you sign up for a Travelers home insurance policy, you get to choose between nine deductibles that range from $1,000 to $50,000, allowing you to customize your premium rate based on your selection. Additionally, Travelers offers a Decreasing Deductible add-on benefit that lowers your deductible by $100 each year that you keep your policy, making your claims cheaper without increasing your policy’s premium.
Sample Premium: $174 /month
Discounts: Bundling with auto insurance, early quote and sign-up before current policy expires, claims history, protective devices like fire alarms
Endorsements: Replacement cost, equipment breakdown, roofing and siding matching, identity theft
To Learn More: Travelers Insurance Review
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USAA is a great selection for qualifying U.S. Armed Forces members and their families. Policyholders have access to a variety of financial services, tools and benefits, including home insurance, car insurance, banking, loans and local discount coupons.
If you’re not eligible for a USAA membership, use this form to find other home insurance providers near you.
Sample Premium: $125 /month
Discounts: Payment history, weather-resistant roofing, new building or renovations, home protection devices and systems, multi-policy bundling, adjustable deductible
Endorsements: Identity theft, earthquake insurance, increased coverage limits for personal property and dwelling, military uniform replacement
To Learn More: USAA Insurance Review
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Several factors affect home insurance rates in Texas, from the location of your home to your claims and credit history.
Here’s a closer look at some of the factors that impact premiums:
The average cost of homeowners insurance in Texas is $4,851 which is higher than the national average of $2,417 according to our analysis of homeowners insurance premiums using data provided by Quadrant Information Services. The annual cost of homeowners insurance can vary greatly based on your specific location which can cause your home to be more or less susceptible to risk. Use the charts below to determine the average cost in your specific area before getting quotes from multiple providers.
We at the Guides Home Team gathered home insurance quotes for the providers in this article using data from Quadrant Information Services. Quadrant is a leading source of property and casualty insurance solutions and data.
Our sample homeowner is a 40-year-old single male with good credit and no prior claims history. Our sample policies featured a $1,000 deductible and the following coverage and limits:
For each provider, we gathered a quote for 50% of the ZIP codes in every state it is licensed in. We used the most populous ZIP codes for our study. We took the average of these individual quotes to calculate a national average premium per provider. Our sample rates are for informational purposes only. Actual premiums will vary.
Texas homeowners file claims for a wide variety of reasons. Here are some of the most common:
Each of these companies offers comprehensive policies that can protect your home and personal belongings in the event of a covered peril.
While Lemonade has a user-friendly app and cheap premiums, Allstate provides the impressive overall coverage for standard policies and offers a handful of discounts and add-ons.
Before signing up for a home insurance policy, we recommend getting quotes from a few providers to compare pricing based on your location and personal information. Get a quote online to compare pricing in your area.
The most common type of homeowners policy in Texas is an HO-3. This policy covers your home, belongings, liability, medical payments and additional living expenses if you are displaced from your home by a covered claim.
Based on the Insurance Information Institute’s most recent report, the average home insurance rate in the state of Texas was $1,982, which is $710 higher than the national average of $1,272.
Homeowners insurance in Texas is not required by law, though it is still extremely important and necessary when purchasing a home. If you are financing the home, your mortgage lender is legally allowed to require you to carry homeowners insurance coverage until the loan is satisfied.
Although some homeowners insurance companies may require you to contact an agent for a quote, most providers offer policy details and pricing through online quote tools without requiring much personal information.
To get an instant quote from providers in your zip code, use this online tool.
Mold would only be covered by your homeowners insurance policy if it was caused by a covered event. For example, if a storm with heavy rainfall caused water to leak into your house, soaking your walls or floors and causing mold to form, the damage would be covered. Some companies offer extra mold and fungus protection as an add-on for an upcharge to your premium.
Our team surveyed dozens of home insurance providers and created a scoring system to assess and compare each company’s quality and service. Here are the factors that account for our provider scores:
Companies with the best customer service exhibit 24/7 availability, useful digital tools and a quick claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don’t, putting them toward the top of our recommendations to readers.
Ratings listed in this article are accurate as of November 2022.
A.M. Best Disclaimer
Parker King is a writer, editor and SEO content strategist with a master’s degree in professional communication from Clemson University and years of experience in the digital marketing industry. She specializes in writing, editing and optimizing personal finance, home services and insurance content.
Veronika Jelenik is an editor with a background in journalism. She previously has had her work published in the New York Daily News and the Hartford Courant, and she has covered many disparate topics. Veronika has a bachelor’s degree in journalism and social and cultural analysis. When not immersed in home services content, Veronika enjoys spending time with her friends and her Chihuahua, Beanie.
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