Updated: December 16, 2024
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In Wichita Falls, TX, Amica is the best overall and cheapest choice for home insurance and it also offers the best customer service.
Choosing the best inexpensive home insurance depends on individual needs, like premium costs, service quality and coverage options.
Best HomeInsuranceWichita Falls, Table of Contents
Why Trust MoneyGeek? We used data from Texas' Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Wichita Falls, based on standards and reliable data.
Home insurance rates available in Wichita Falls represent the most competitive quotes as of September 2024.
MoneyGeek found that Amica is the best option for home insurance in Wichita Falls, TX, for $100K dwelling coverage, with a MoneyGeek score of 97 out of 100.
The scores for home insurance companies in Wichita Falls range from 44 to 97. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| Amica | 97 | $2,728 |
| Nationwide | 86 | $3,499 |
| State Farm | 83 | $3,526 |
| Farmers | 80 | $3,425 |
| Chubb | 74 | $5,102 |
| IAT Insurance Group | 48 | $5,128 |
| ASI | 44 | $6,837 |
MoneyGeek found that Amica is the best home insurance option in Wichita Falls, TX, for $100K dwelling coverage. The two best overall home insurance companies in Wichita Falls for $100K dwelling coverage are:
Amica stands out as the best home insurance provider due to its affordability and excellent customer satisfaction.
Wichita Falls, TX, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.
Amica scores high with a MoneyGeek Score of 97, thanks to its top marks in affordability and customer satisfaction. Its coverages include guaranteed replacement cost, which helps rebuild your home if costs go over your policy limit. Personal property replacement cost ensures you get full value for your belongings if they're damaged.
Amica provides discounts like continuously insured, which rewards loyalty, and automatic payment, which saves money when you pay your premium automatically.
MoneyGeek found that Amica is the best option in Wichita Falls, Texas, for customer service in home insurance with $100K dwelling coverage. Below are the top two providers for $100K dwelling coverage in Wichita Falls, Texas:
Amica stands out for its high customer satisfaction and affordability. With its focus on customer needs, Amica delivers a reliable home insurance experience. Excellent service in home insurance includes responsive customer support and comprehensive coverage options.
Amica scores high for customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost, which helps rebuild your home if costs exceed limits. Back-up of sewer or drain covers water damage from backups. Scheduled personal property protects valuable items like jewelry.
It also provides discounts like continuously insured and automatic payment. To qualify for continuously insured, stay with the same insurer for at least two years.
Amica is the best cheap home insurance company in Wichita Falls, TX, for $100K dwelling coverage. The top two best cheap insurance providers for this coverage are:
Amica stands out due to high customer satisfaction, ensuring quality coverage despite its affordability. Although cheap home insurance means lower charges, ensuring enough coverage is also crucial. In instances where saving on premiums is a priority, considering the most affordable homeowners insurance companies may be beneficial.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
Amica is the best cheap company with high MoneyGeek scores due to its affordability and customer satisfaction. It offers comprehensive home insurance with guaranteed replacement cost and back-up of sewer or drain coverages. You can save with discounts like continuously insured and automatic payment. Stay with the insurer for two years to qualify for the continuously insured discount.
Amica's rare coverages, like home business property and loss assessment, are useful for homeowners. These coverages protect business items at home and shared property in condos.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 24, 2024
Several factors affect homeowners insurance in Wichita Falls, with location being one of them. Comparing rates is the best way to save, but it can be time-consuming — up to 15 minutes per company. You'll want to compare three or more, which may take over an hour. MoneyGeek's home insurance calculator can help. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details to get a rate estimate.
Amica is the best option for affordable home insurance in Wichita Falls, TX. The main factor affecting premiums is the dwelling coverage you choose.
Amica stands out as the cheapest in Wichita Falls due to its low cost and top score of 98. Although Farmers offers the cheapest options for $250K and $500K coverage, it does not have the highest score of 84 and 92, respectively. Choosing the cheapest homeowners insurance in Texas can be a good way to manage finances by lowering your monthly expenses.
| Amica | $2,728 |
| Farmers | $3,425 |
| Nationwide | $3,499 |
| State Farm | $3,526 |
| Chubb | $5,102 |
| IAT Insurance Group | $5,128 |
| ASI | $6,837 |
For high-value homes in Wichita Falls, TX, Farmers offers the lowest yearly cost for a $750K dwelling coverage policy. Higher home values require more insurance because it costs more to fix or rebuild them, which is why home insurance costs can be higher.
Farmers stands out in Wichita Falls due to its low rates for high dwelling coverage. While cost is essential, the insurer also receives a high rating from MoneyGeek, suggesting that being the least expensive doesn't mean compromising quality.
| Farmers | $9,045 |
| State Farm | $12,069 |
| Nationwide | $14,311 |
| Amica | $16,088 |
| IAT Insurance Group | $22,840 |
| Chubb | $32,056 |
| ASI | $33,262 |
Nationwide is the best choice for new homes requiring $100K dwelling coverage in Wichita Falls, TX, with the lowest annual premium.
Nationwide offers the most competitive prices for homeowners insurance in Wichita Falls, TX, making it an attractive choice for cost-conscious customers. However, having the lowest rates may not equal the best service quality. When securing home insurance, ensuring adequate coverage for your property is essential.
| Nationwide | $768 |
| State Farm | $1,589 |
| Amica | $1,895 |
| ASI | $2,255 |
| Farmers | $2,276 |
| IAT Insurance Group | $2,366 |
| Chubb | $3,594 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To determine how much home insurance coverage you need, assess the specifics of your property in Wichita Falls, Texas. Consider rebuilding expenses, personal belongings, and liability requirements.
Look into insurance companies operating in Wichita Falls, Texas. Prioritize those with strong financial health, positive customer feedback and a history of reliable service.
When you know your coverage needs, compare home insurance quotes. In Wichita Falls, Texas, premiums for $100K dwelling coverage range from $2,728 to $5,128 annually.
Inquire with each insurer about possible discounts, such as those for policy bundling, security upgrades or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it’s an amount you can comfortably pay if a claim arises.
Enhancing your home's security with systems and sturdy locks can lower its risk profile, potentially reducing insurance costs.
A solid credit score can influence your insurance rates in Wichita Falls, Texas. Pay bills promptly and minimize outstanding debts.
Consider combining your homeowners insurance with other policies such as auto insurance. This can result in notable discounts and savings.
The best cheap home insurance provider for you in Wichita Falls ultimately depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Wichita Falls, Texas.
The average cost of home insurance in Wichita Falls, Texas, is $2,685.
The cheapest home insurance company in Wichita Falls, Texas, is Amica, with an annual premium of $2,728.
The best home insurance in Texas for Wichita Falls residents is provided by Amica, with a MoneyGeek score of 97 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
