Best Homeowners Insurance in Texas (2024)


State Farm is Texas' top home insurance provider, excelling in affordability and customer service. It's also the preferred choice for insuring homes requiring higher coverage limits. We used a $100,000 dwelling coverage limit in our comparisons, but your premium may vary with a different coverage amount.

MoneyGeek also analyzed the cheapest home insurance in Texas for homeowners on a budget.

MoneyGeek Logo IconBest HomeInsuranceTexas
2024

Why Trust MoneyGeek? We analyzed data from the Texas Department of Insurance and Quadrant Information Services to identify the best homeowners insurance options in the state.

recency icon

Home insurance rates in Texas represent the latest quotes as of July 2024.

7,603,200Quotes Analyzed
 
8Companies Compared
 
105ZIP Codes

Overall Best Homeowners Insurance in Texas

State Farm provides the best homeowners insurance in Texas, followed closely by Chubb.

  • State Farm: MoneyGeek score of 90 out of 100 ($1,787 per year)
  • Chubb: MoneyGeek score of 90 out of 100 ($2,307 per year)

When selecting the right home insurance, find a provider that balances affordability and reliable service.

Company logo for State Farm
Best OverallState Farm
MoneyGeek Score:
90/ of 100

Overview

State Farm excels in affordability with a perfect score (55 out of 55) and an average annual premium of $1,787.

Texas homeowners can save through the roof replacement cost discount for high-quality roofs. State Farm also offers coverage for earthquakes and mudslides.

Best Homeowners Insurance in Texas for Customer Service

Amica Mutual achieves the highest customer satisfaction among home insurance providers in Texas.

  • Amica Mutual: MoneyGeek score of 92 out of 100 ($2,608 per year)
  • Chubb: MoneyGeek score of 90 out of 100 ($2,307 per year)

Valuing service quality in a home insurance provider means picking one with responsive customer support, smooth claims handling and customizable coverage. Quick and supportive responses are crucial after stressful events such as theft and natural disasters.

Company logo for Amica Mutual
Best for ServiceAmica Mutual
MoneyGeek Score:
92/ of 100

Overview

Amica Mutual stands out in Texas with a perfect customer satisfaction score of 65 out of 65 and an average annual premium of $2,608.

The company offers guaranteed replacement costs and covers the full cost of rebuilding a home, regardless of the cost. Its home business property coverage protects the assets of home-based entrepreneurs.

Best Cheap Homeowners Insurance in Texas

State Farm provides the best value for the cheapest homeowners insurance in Texas.

  • State Farm: MoneyGeek score of 95 out of 100 ($1,787 per year)
  • Farmers: MoneyGeek score of 92 out of 100 ($1,792 per year)

With remarkable affordability and customer satisfaction scores, State Farm offers a strong balance of cost efficiency and reliable service. When choosing an insurer, consider the average cost of home insurance in Texas and service quality.

Company logo for State Farm
Best CheapState Farm
MoneyGeek Score:
95/ of 100

Overview

State Farm excels in affordability with a perfect score of 75 out of 75 and an average annual premium of $1,787. Homeowners can lower their costs with discounts for combining multiple policies and installing home security systems.

Best Homeowners Insurance in Texas for Expensive Homes

State Farm is the top choice for insuring expensive homes in Texas. Here are the best options for homes requiring $1 million in dwelling coverage:

  • State Farm: MoneyGeek score of 90 out of 100 ($7,844 per year)
  • Farmers: MoneyGeek score of 86 out of 100 ($7,620 per year)

As expensive homes often need more comprehensive protection, homeowners should find a provider that balances cost effectiveness with high-quality coverage.

Company logo for State Farm
Best for Expensive HomesState Farm
MoneyGeek Score:
90/ of 100

Overview

State Farm is the top choice for insuring high-value homes, with an affordability score of 55 out of 55 and an average annual premium of $7,844.

It offers a discount for installing home security systems. Add-ons include scheduled personal property coverage for valuables like jewelry and building ordinance or law coverage, which reimburses the costs of meeting current codes after a loss.

Best Homeowners Insurance in Texas for New Homes

Nationwide offers the best insurance for those with new homes in Texas.

  • Nationwide: MoneyGeek score of 77 out of 100 ($1,870 per year)
  • Amica: MoneyGeek score of 56 out of 100 ($7,195 per year)

Nationwide achieves perfect affordability and coverage scores, offering a good balance of cost efficiency and protection.

Company logo for Nationwide
Best for New HomesNationwide
MoneyGeek Score:
77/ of 100

Overview

Nationwide is the top choice for insuring new homes, scoring perfectly for affordability (55 out of 55) and coverages (10 out of 10). Its average annual premium is $1,870.

It offers a renovation discount for updates to plumbing, heating, electrical or ventilation systems and for homes with high-quality roof materials. Nationwide's guaranteed replacement cost coverage enables full rebuilding after a covered loss, regardless of the policy limit.

Best Homeowners Insurance in Texas for Veterans

USAA provides the best homeowners insurance for veterans and military families in Texas.

  • USAA: MoneyGeek score of 93 out of 100 ($1,948 per year)
  • State Farm: MoneyGeek score of 89 out of 100 ($1,787 per year)

The best home insurance for military families addresses their unique lifestyle, including frequent relocations and deployment risks, ensuring protection for homes and possessions in any situation.

Company logo for USAA
Best for VeteransUSAA
MoneyGeek Score:
93/ of 100

Overview

USAA exclusively serves military members and their families, scoring 53 out of 55 in affordability and 30 out of 30 in customer satisfaction. Its average annual premium is $1,948.

It offers discounts for installing smart home devices and long-term policyholders. USAA's personal property replacement cost coverage pays for replacing personal items without deducting for depreciation.

How to Find the Best Homeowners Insurance in Texas for You

The ideal homeowners insurance company balances quality coverage and reliable customer service with affordable premiums. Here's how to find the right policy for you:

1
Assess Your Insurance Needs

Determine how much home insurance coverage you need. Consider your home's value, personal belongings and location-specific risks to ensure an accurate assessment.

2
Research Various Providers

Gather information on multiple insurance companies, specifically their reputations, customer reviews and policy offerings. Examine each provider's pros and cons.

3
Compare Coverage and Costs

Compare home insurance quotes to ensure you get the best deal. Look beyond the premiums and consider deductibles, policy limits and exclusions.

4
Understand the Policy Details

Check whether the policy covers replacement cost or actual cash value for personal property, the types of covered perils and any add-ons you might need.

5
Consult With an Independent Agent

Talk to an independent insurance agent for tailored advice. They can help identify your needs, clarify policy complexities and find applicable discounts.

FAQ: Homeowners Insurance in Texas

Choosing the best homeowners insurance provider depends on your needs and budget. To help you decide, we’ve answered common questions about selecting a provider in Texas.

Which company is best for home insurance in Texas?
Who has the most affordable homeowners insurance in Texas?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.