Updated: December 4, 2024
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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.
In Texas, State Farm is the best overall homeowners insurance provider, achieving a MoneyGeek score of 95 out of 100 for its blend of affordability and exceptional customer service. Amica Mutual holds the position of runner-up with a slightly higher MoneyGeek score of 92 out of 100, excelling in customer satisfaction and support.
In Texas, State Farm emerges as the cheapest homeowners insurance provider, offering an annual premium of $1,787. State Farm balances affordability with excellent customer service, making it a top choice for cost-conscious homeowners. Farmers is a notable runner-up in affordability.
In Texas, Amica Mutual stands out as the top homeowners insurance provider for customer service, earning a MoneyGeek score of 92 out of 100. The runner-up is Chubb, which achieved a score of 90 out of 100. These providers are recognized for their responsive customer support, smooth claims handling, and customizable coverage options.
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.
Home insurance rates in Texas represent the latest quotes as of July 2024.
State Farm provides the best homeowners insurance in Texas, followed closely by Chubb.
When selecting the right home insurance, find a provider that balances affordability and reliable service.
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.
Amica Mutual achieves the highest customer satisfaction among home insurance providers in Texas.
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.
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.
State Farm provides the best value for the cheapest homeowners insurance in Texas.
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.
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.
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:
As expensive homes often need more comprehensive protection, homeowners should find a provider that balances cost effectiveness with high-quality coverage.
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.
Nationwide offers the best insurance for those with new homes in Texas.
Nationwide achieves perfect affordability and coverage scores, offering a good balance of cost efficiency and protection.
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.
USAA provides the best homeowners insurance for veterans and military families in Texas.
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.
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.
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:
Determine how much home insurance coverage you need. Consider your home's value, personal belongings and location-specific risks to ensure an accurate assessment.
Gather information on multiple insurance companies, specifically their reputations, customer reviews and policy offerings. Examine each provider's pros and cons.
Compare home insurance quotes to ensure you get the best deal. Look beyond the premiums and consider deductibles, policy limits and exclusions.
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.
Talk to an independent insurance agent for tailored advice. They can help identify your needs, clarify policy complexities and find applicable discounts.
Flood insurance is not a legal requirement for homeowners in Texas. However, it’s strongly recommended to buy flood insurance in Texas to financially protect homes from flood risks.
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.
State Farm is the overall best home insurance company in Texas, with a MoneyGeek score of 90 out of 100.
State Farm offers the cheapest homeowners insurance in Texas, with an average annual premium of $1,787. Homeowners may further reduce costs by qualifying for discounts.
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.
