Best Homeowners Insurance in Texas

The best home insurance companies in Texas are Nationwide, State Farm, Chubb, Amica and Farmers. Nationwide ranks first for coverage options, State Farm leads in affordability, and Amica stands out for customer service. Compare all our top picks below.

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.

While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories:

Home insurance provider rankings in Texas cities vary widely based on policy affordability, local customer service and available add-on coverage options. For instance, Nationwide ranks best in Allen, while Amica tops the list in College Station. To help you choose the best provider for your location, we've outlined the top overall options for each city.

Here's a closer look at our top picks for home insurance in Texas, highlighting the winners in affordability, customer service and coverage options.

State Farm is the most affordable home insurance provider for most Texas homeowners. It also ranks above the national average in customer service, placing seventh in customer satisfaction and eighth in claims satisfaction, according to J.D. Power. Also, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.

Amica may be the most expensive provider on our list, but it leads in customer service among Texas home insurance companies. It holds the top claims satisfaction score and ranks third for customer satisfaction, according to J.D. Power. Amica’s Platinum Choice program offers enhanced coverage for dwellings, electronics, business property, credit card fraud and more.

For new homeowners in Texas, Nationwide is the most affordable option for home insurance. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.

Farmers is the cheapest home insurance option for most homeowners in Texas, with an average monthly savings of $258. Below is a summary of the most affordable providers in the state.

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Farmers is typically the cheapest overall, Nationwide offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.

*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.

The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.

Risk factors for insurers vary by location, making some providers more affordable than others. For example, while Farmers is the cheapest in most cities, State Farm and Nationwide offer lower rates in places like Amarillo and McAllen.

*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.

Overall, for most homeowners in Texas, you can expect that policies will cost an average of $5,989 per year or around $499 per month. This makes it the 2nd most expensive state to get home insurance in. However, pricing will vary depending on your needs, your home details and your personal homeowner profile.

*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.

Finding the best insurance for your needs can be challenging, so we’ve created a step-by-step guide to help you choose the right option.

The best homeowners insurance companies in Texas are Nationwide, State Farm and Chubb. While we recommend these providers, researching and comparing options can help you find the best fit for your needs.

To help you find the best home insurance, we’ve answered common questions about selecting a provider in Texas.

We rated the best homeowners insurance providers in Texas using this methodology:

• Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
• Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
• Coverage (15%): We assessed the number of add-on options, unique features and availability by state.

To determine the cheapest home insurance companies in Texas, we assumed the following base profile:

• $250K dwelling coverage
• $125K personal property coverage
• $200K liability coverage
• Home built in 2000
• Frame construction
• Composition roof
• $1,000 all perils deductible
• No claims in the past 5+ years
• 3-class fire protection

All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.