{"id":324390,"date":"2025-11-14T06:09:05","date_gmt":"2025-11-14T11:09:05","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=84711"},"modified":"2025-11-14T06:09:24","modified_gmt":"2025-11-14T11:09:24","slug":"best-in-texas","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-texas\/","title":{"rendered":"The Best Homeowners Insurance in Texas of 2021"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance in Texas of 2021 Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>State Farm, USAA, Allstate, and Farmers remain among the largest and most widely available homeowners insurers in Texas. Recent market-share data indicate Liberty Mutual or Progressive typically round out the top five, while Travelers continues to operate in Texas but usually sits outside the top five by Texas market share (<a href=\"https:\/\/www.tdi.texas.gov\/consumer\/complaints\/complaint-index.html\">Texas Department of Insurance complaint index<\/a>; <a href=\"https:\/\/content.naic.org\/research\/reports\/market-share-reports\">NAIC market share reports<\/a>).<\/li><li>Discount strategies have shifted toward verified mitigation and smart\u2011device programs (e.g., impact\u2011resistant roofs, water\u2011leak sensors). Farmers still advertises a broad suite of discounts and tiered coverage, but the biggest savings often come from documented resilience upgrades and device programs recognized by insurers.<\/li><li>For eligible military families, USAA is frequently competitive and well regarded for catastrophe response; actual premiums vary widely by ZIP code, roof age\/material, deductibles, and prior losses.<\/li><\/ul>\n\n\n\n<p>Extreme weather remains a defining risk in Texas, so homeowners in the Lone Star State should consider investing in <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">home insurance<\/a>. In 2025, a typical homeowners policy in Texas runs roughly $4,000\u2013$4,800 per year ($330\u2013$420\/month) for a home with about $300,000 in dwelling coverage and a $1,000 deductible, based on recent statewide analyses; that\u2019s substantially higher than 2021 levels (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate Texas homeowners insurance<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius pricing report<\/a>; historical benchmark context from <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<p>There are dozens of companies that sell homeowners insurance in Texas. We reviewed the market and found that State Farm, USAA (eligibility required), Allstate, and Farmers remain strong choices based on scale, coverage breadth, and financial strength. Recent market-share data suggest Liberty Mutual or Progressive typically round out the top five in Texas, with Travelers still a solid option depending on location and coverage needs (<a href=\"https:\/\/www.tdi.texas.gov\/consumer\/complaints\/complaint-index.html\">TDI complaint index<\/a>; <a href=\"https:\/\/content.naic.org\/research\/reports\/market-share-reports\">NAIC market share<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance in Texas<\/h2>\n\n\n\n<ul><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA:<\/a> Best Texas Home Insurance for Military-Focused Coverage<\/li><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate: <\/a>Best Texas Home Insurance for Optional Coverage<\/li><li><a href=\"#farmers\" rel=\"nofollow\" class=\"achor-toggles\">Farmers:<\/a> Best Texas Home Insurance for Discounts<\/li><li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\">Travelers: <\/a>Best Texas Home Insurance for Green Homes<\/li><li><a href=\"#state\" rel=\"nofollow\" class=\"achor-toggles\">State Farm:<\/a> Best Texas Home Insurance for Policy Bundling<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fa06f965b160\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Texas Home Insurance Companies <\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s (S&#038;P) rates creditworthiness for businesses, countries and cities that issue bonds.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fa06f965b160-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,998<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>889<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AAA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa06f965b160-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,846<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa06f965b160-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,189<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>814<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa06f965b160-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,521<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>803<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fa06f965b160-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,722<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025; market conditions and rates change frequently.<\/em><\/p>\n\n\n\n<p><em>*Recent statewide averages referenced from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s latest U.S. Home Insurance Study is reported on a 1,000-point scale; see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a> for current results.<\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"usaa\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"military\" title=\"Best For Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers some of the most affordable and highly-rated home insurance coverage to Texas homeowners who are affiliated with the military. \r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,198*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">889**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers some of the most affordable and highly-rated home insurance coverage to Texas homeowners who are affiliated with the military. \r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong financial and customer satisfaction ratings<\/li>\n                            <li>Mobile claim filing and tracking<\/li>\n                            <li>Low customer complaint ratings<\/li>\n                            <li>Policies come standard with replacement cost coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited discounts<\/li>\n                                        <li>Only available to military<\/li>\n                                        <li>Few additional coverage options<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Claims-free<\/li>\n<li>Home security system<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home sharing coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military uniform coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other structures coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Homeowners Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"optional-coverage\" title=\"Best for Optional Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers an impressive list of optional coverages that can help Texas homeowners customize a policy that fits their unique needs.\r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,846*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers an impressive list of optional coverages that can help Texas homeowners customize a policy that fits their unique needs.\r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great add-on coverages<\/li>\n                            <li>Good variety of discounts<\/li>\n                            <li>Excellent financial strength rating<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>High customer complaint ratings<\/li>\n                                        <li>Average customer satisfaction rating<\/li>\n                                        <li>Premiums can be expensive<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Responsible payer<\/li>\n<li>Claim-free<\/li>\n<li>Welcome and loyalty<\/li>\n<li>New homebuyer<\/li>\n<li>AutoPay<\/li>\n<li>Protective device<\/li>\n<li>Early signing<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Identity theft<\/li>\n<li>Water backup<\/li>\n<li>Scheduled personal property<\/li>\n<li>Business property<\/li>\n<li>Sports equipment<\/li>\n<li>Green improvement reimbursement<\/li>\n<li>Yard and garden<\/li>\n<li>Electronic data recovery <\/li>\n<li>Musical instruments<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"farmers\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"discounts\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers<\/h2>\n\n\n                                                \n\n\n<section id=\"farmers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Farmers<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Farmers offers a long list of impressive discounts, which makes it a great option for Texas homeowners who are looking for affordable, yet robust coverage. \r\n\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,189*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">814**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Farmers offers a long list of impressive discounts, which makes it a great option for Texas homeowners who are looking for affordable, yet robust coverage. \r\n\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Generous discounts<\/li>\n                            <li>Variety of free perks with every policy<\/li>\n                            <li>Tiered coverage makes it easy to choose a plan with tailored coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not the best customer satisfaction rating<\/li>\n                                        <li>Coverage can be expensive<\/li>\n                                        <li>Financial strength rating is lower than some other providers<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Claim-free<\/li>\n<li>Protective device<\/li>\n<li>Home safety features<\/li>\n<li>Non smoker<\/li>\n<li>Affinity group\/occupation<\/li>\n<li>Paperless statements<\/li>\n<li>UL-approved roofing materials<\/li>\n<li>New home<\/li>\n<li>Green certifications<\/li>\n<li>Connected home<\/li>\n<li>AutoPay<\/li>\n<li>Responsible payer<\/li>\n<li>Rent to own<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Personal possessions <\/li>\n<li>Eco rebuild coverage<\/li>\n<li>Contents replacement cost<\/li>\n<li>Identity theft<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Farmers Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\">Farmers Homeowners Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/renters\/farmers-review\/\">Farmers Renters Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/\">Farmers Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"travelers\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"green-homes\" title=\"Best for Green Homes\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travelers<\/h2>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Green Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers has special types of coverage and discounts for Texas homeowners who live in a green home that is LEED certified or built with sustainable materials.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,521*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">803**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers has special types of coverage and discounts for Texas homeowners who live in a green home that is LEED certified or built with sustainable materials.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Very affordable coverage<\/li>\n                            <li>Great financial strength rating<\/li>\n                            <li>Special coverage for green homes<\/li>\n                            <li>Above average claims satisfaction score<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below average customer satisfaction rating<\/li>\n                                        <li>Discounts are fairly basic<\/li>\n                                        <li>Not the best for online tools or resources<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Multi-policy<\/li>\n<li>Home buyer<\/li>\n<li>Loss-free<\/li>\n<li>Protective device<\/li>\n<li>Green home<\/li>\n<li>Affinity group<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Special personal property<\/li>\n<li>Contents replacement cost<\/li>\n<li>Additional replacement cost<\/li>\n<li>Jewelry and valuables<\/li>\n<li>Personal articles floater<\/li>\n<li>Water backup\/sump pump<\/li>\n<li>Identity fraud <\/li>\n<li>Green home coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Travelers Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/travelers-review\/\">Travelers Homeowners Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/renters\/travelers-review\/\">Travelers Renters Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\">Travelers Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"state\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"claim\" title=\"Best for Policy Bundling\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Policy Bundling<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Texas homeowners who want to bundle their home and auto insurance may want to consider State Farm, which offers savings of up to $965, one of the biggest discounts on the market.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,722*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Texas homeowners who want to bundle their home and auto insurance may want to consider State Farm, which offers savings of up to $965, one of the biggest discounts on the market.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>One of the best policy bundling discounts<\/li>\n                            <li>Excellent financial strength rating<\/li>\n                            <li>Large network of agents around the country<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below average customer satisfaction rating<\/li>\n                                        <li>Not many discounts<\/li>\n                                        <li>Poor claims satisfaction score<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li>Policy bundling<\/li>\n<li>Home security system<\/li>\n<li>Impact-resistant roof<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\/sump pump<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home systems protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Service line coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled personal property<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\">State Farm Renters Insurance Review<\/a><br \/>\n<a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Recent statewide averages referenced from <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s latest U.S. Home Insurance Study is reported on a 1,000-point scale; see the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a> for current results.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Texas Homeowners Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Texas<\/h2>\n\n\n\n<p>Texas homeowners are paying much more than they did a few years ago. For a benchmark policy with roughly $300,000 in dwelling coverage and a $1,000 deductible, recent statewide analyses place the Texas average around $4,000\u2013$4,800 per year ($330\u2013$420 per month). Methodologies vary, but all show a sharp increase from 2021-era averages as severe hail\/wind losses, higher reinsurance costs, and construction inflation have pushed rates higher (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius<\/a>; historical context: <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a>).<\/p>\n\n\n\n<p>Texas rates are elevated in part because of the state\u2019s exposure to severe convective storms (hail and straight\u2011line wind), tropical cyclones along the Gulf Coast, and, increasingly, wildfire. NOAA and industry loss reports show exceptionally active and costly storm seasons in recent years, which continue to pressure premiums statewide (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion\u2011Dollar Disasters<\/a>; <a href=\"https:\/\/www.aon.com\/weather-climate-catastrophe-insight\/\">Aon catastrophe report<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest1\" title=\"The Cheapest Homeowner Insurance Companies in Texas\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Texas<\/h2>\n\n\n\n<p>Given 2025 market conditions, the \u201ccheapest\u201d homeowners insurer in Texas varies significantly by county, roof age\/material, claims history, and deductible structure (many policies now carry separate wind\/hail percentage deductibles). Major writers include State Farm, USAA (eligibility required), Allstate, Farmers, Progressive (ASI), and Liberty Mutual\/Safeco, among others. Use current quotes and state resources to compare options (<a href=\"https:\/\/www.tdi.texas.gov\/consumer\/complaints\/complaint-index.html\">TDI complaint index and market share<\/a>; <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate Texas analysis<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius pricing trends<\/a>).<\/p>\n\n\n\n<p>Any sample rates are for comparison only; your quotes will differ. Our common benchmark uses these limits for comparability:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Carrier\u00a0<\/strong><\/td><td><strong>Yearly Average Premium\u00a0<\/strong><\/td><td><strong>Monthly Average Premium\u00a0\u00a0<\/strong><\/td><\/tr><tr><td>Bankers Ins Grp<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Texas Farm Bureau Mut Grp<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Lighthouse Prop Ins Corp<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>USAA<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Nationwide<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>White Mountains<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>United Ins Holdings Grp<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Travelers<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Progressive<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>UNIVERSAL Ins CO Grp<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>State Farm<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Allstate<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Armed Forces Ins Exch<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Chubb<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Farmers<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Delek<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>The Hartford<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Amica<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>TFP &amp; TWI Grp<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><tr><td>Homeowners of Amer Ins Co<\/td><td>Varies by ZIP, coverage, and roof characteristics<\/td><td>Varies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Sources for current context and benchmarks: <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius<\/a>; market share context: <a href=\"https:\/\/content.naic.org\/research\/reports\/market-share-reports\">NAIC<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest2\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Texas\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Texas<\/h3>\n\n\n\n<ul><li>Cheapest options vary by ZIP code, roof age\/material, deductible, and prior losses; compare multiple quotes to identify the lowest premium in your area.<\/li><li>Eligible military families often find competitive pricing with USAA; availability and deductibles vary by location.<\/li><li>Major writers such as State Farm, Allstate, Farmers, Progressive (ASI), and Liberty Mutual\/Safeco may be cheapest depending on your county and risk profile\u2014shop broadly.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"expensive1\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Texas\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Texas<\/h3>\n\n\n\n<ul><li>Homes in hail\u2011prone North and Central Texas or along the Gulf Coast often see the highest premiums due to wind\/hail and hurricane exposure.<\/li><li>Older or high\u2011risk roofs, prior weather losses, and low deductibles can significantly increase premiums regardless of carrier.<\/li><li>Coastal wind coverage through TWIA has seen steady rate increases (average +5% for 2025), influencing total insurance costs on the coast (<a href=\"https:\/\/www.twia.org\/rates\/\">TWIA rates<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"perils\" title=\"Common Home Insurance Perils in Texas\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in Texas<\/h2>\n\n\n\n<p>Texas faces a high frequency of severe convective storms (hail and straight\u2011line wind), plus hurricane and flood risk along the Gulf Coast and episodic wildfire. In recent years, severe convective storms have driven a large share of insured losses nationwide, with Texas repeatedly impacted (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion\u2011Dollar Disasters<\/a>; <a href=\"https:\/\/www.aon.com\/weather-climate-catastrophe-insight\/\">Aon catastrophe insight<\/a>).<\/p>\n\n\n\n<p>NOAA documented a record 28 separate billion\u2011dollar disasters in 2023 nationally, and 2024 again featured an exceptional number of severe weather events, including multiple Texas hail and wind outbreaks. These patterns contribute to higher premiums, larger wind\/hail deductibles, and stricter roof requirements in many Texas ZIP codes (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>).<\/p>\n\n\n\n<p>Flooding is also common after tropical systems and extreme rain. NFIP premiums are transitioning under FEMA\u2019s Risk Rating 2.0 to more property\u2011specific pricing, with most annual increases capped at about 18% until they reach risk\u2011based levels (<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">FEMA Risk Rating 2.0<\/a>; state impacts: <a href=\"https:\/\/www.fema.gov\/data-visualization\/risk-rating-20-state-profiles\">FEMA RR2.0 state profiles<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Add-on homeowners insurance in Texas<\/h3>\n\n\n\n<p>Standard home insurance <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">covers your home, personal items, and liability<\/a>, plus a few other things. You can see exactly what\u2019s covered on your policy <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\">declaration page<\/a>. Given today\u2019s risk environment, many Texas homeowners also add optional coverages or adjust deductibles for extra protection \u2014 for example, water backup, service line\/equipment breakdown, and endorsements that restore replacement cost on roofs in hail\u2011prone areas (where some policies default to ACV for roof surfacing).<\/p>\n\n\n\n<p>Flood insurance remains a key add\u2011on because standard home policies exclude flood. All of the providers we reviewed can help you obtain NFIP policies, and private flood options are also available. Under Risk Rating 2.0, NFIP premiums are becoming more granular, with most annual increases capped near 18% (<a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">FEMA Risk Rating 2.0<\/a>). On the coast, some wind coverage is placed through TWIA, which has implemented rate increases in recent years (<a href=\"https:\/\/www.twia.org\/rates\/\">TWIA rates<\/a>).<\/p>\n\n\n\n<p>If you need help deciding what type and how much Texas home insurance coverage you need, here are some state-specific resources to reference:<\/p>\n\n\n\n<ul><li>Texas Department of Insurance: <a href=\"https:\/\/www.tdi.texas.gov\/pubs\/consumer\/cb025.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Home Insurance Guide<\/a><\/li><li>Texas Department of Insurance: <a href=\"https:\/\/www.tdi.texas.gov\/tips\/home-insurance.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">10 Steps to Find the Right Home Insurance<\/a><\/li><li>NFIP: <a href=\"https:\/\/www.floodsmart.gov\/flood-insurance\/buy\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">How to Buy Flood Insurance<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Texas Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_60c8c02270433\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is home insurance in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">For a benchmark policy with about $300,000 in dwelling coverage and a $1,000 deductible, recent statewide analyses place the Texas average roughly between $4,000 and $4,800 per year ($330\u2013$420 per month). Your rate will depend on your ZIP code, roof age\/material, claims history, deductible structure (including separate wind\/hail deductibles), and discounts for mitigation or smart devices. These figures reflect a sharp increase from 2021-era averages (<\/span><a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate Texas analysis<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius pricing report<\/a><span style=\"font-weight: 400;\">; historical benchmark context: <\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60c8c03470434\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest homeowners insurance in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There isn\u2019t a single cheapest company for every household. Pricing varies by location and risk profile. Major writers to compare include State Farm, USAA (eligibility required), Allstate, Farmers, Progressive (ASI), and Liberty Mutual\/Safeco. For a fair comparison, gather multiple quotes and review complaint and market-share context from the state.<\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\"> Cheapest home insurance tips<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">how to compare quotes<\/span><\/a><span style=\"font-weight: 400;\">. Also see: <\/span><a href=\"https:\/\/www.tdi.texas.gov\/consumer\/complaints\/complaint-index.html\">TDI complaint index &#038; market share<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60c8c04070435\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best home insurance in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The best fit depends on your location, roof, and coverage priorities. State Farm, USAA (if eligible), Allstate, and Farmers remain strong choices by scale and financial strength. Recent data show Liberty Mutual or Progressive often rounding out the top five in Texas by market presence, with Travelers still a solid option depending on needs. Evaluate financial strength and customer experience alongside price.<\/span><span style=\"font-weight: 400;\"> See: <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a><span style=\"font-weight: 400;\"> and AM Best\u2019s <\/span><a href=\"https:\/\/www.ambest.com\/ratings\/guide\/\">Financial Strength Rating guide<\/a><span style=\"font-weight: 400;\">; market-share context: <\/span><a href=\"https:\/\/www.tdi.texas.gov\/consumer\/complaints\/complaint-index.html\">TDI index<\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/content.naic.org\/research\/reports\/market-share-reports\">NAIC reports<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60c8c04a70436\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Why is home insurance so expensive in Texas?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Rates reflect risk. Texas experiences frequent severe convective storms (hail and wind), hurricane exposure on the coast, and rising repair costs. Insurers have responded with higher and more granular pricing, separate wind\/hail percentage deductibles, and in some areas actual cash value (ACV) settlement on older roofs. Reinsurance costs also influence primary rates. For context on recent loss activity and market trends, see <\/span><a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA\u2019s Billion-Dollar Disasters<\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.aon.com\/weather-climate-catastrophe-insight\/\">Aon\u2019s catastrophe insight<\/a><span style=\"font-weight: 400;\">, and Texas filing trends via <\/span><a href=\"https:\/\/www.opic.texas.gov\/consumers\/insurance-rates\/\">OPIC<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Methodology<\/strong><\/h2>\n\n\n\n<p>We evaluated Texas home insurance companies based on availability, customer satisfaction, financial stability, and coverage to create our best home insurance reviews. To compare home insurance companies with other providers across the board, we review the following:<\/p>\n\n\n\n<ul><li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li><li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li><li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li><li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score.<\/li><\/ul>\n\n\n\n<p>Rates and comparisons reflect current statewide analyses and public filings where available. Methodologies differ by source, and your quotes will vary based on location, coverage, and underwriting factors (<a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/texas-homeowners-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.policygenius.com\/homeowners-insurance\/home-insurance-prices\/\">Policygenius<\/a>).<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report State Farm, USAA, Allstate, and Farmers remain among the largest and most widely available homeowners insurers in Texas. Recent market-share data indicate Liberty Mutual or Progressive typically round out the top five, while Travelers continues to operate in Texas but usually sits outside the top five by Texas market share (Texas Department of [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362433,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Homeowners Insurance Companies in Texas | Reviews<\/title>\n<meta name=\"description\" content=\"We compared prices, customer service, financial strength, and offerings from providers websites, J.D. 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