Key takeaways
Chubb, State Farm and USAA are among the best home insurance companies in Texas.
State Farm is the best cheap home insurer in Texas, with a star rating of 4.7 and an average annual premium of $4,150.
Texas is one of the most expensive states for home insurance, with an average annual rate of $4,585. That’s more than twice as expensive as the national average.
Chubb, State Farm and USAA are among the best home insurance companies in Texas, according to our analysis.
To help you find the best home insurance in Texas, we gathered and analyzed data from insurance companies across the state. Below are the insurers that earned 4.4 stars or more.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
Not available | ||
$4,150 | ||
$5,340 | ||
$5,920 | ||
USAA* | $3,445 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
» MORE: The best homeowners insurance
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Answer a few questions to see custom quotes and find the right policy for you.The best home insurance companies in Texas
Here's more information about the best homeowners insurance companies in Texas.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Chubb caters to well-to-do homeowners, offering coverage other insurers often charge extra for. For example, the company offers extended replacement cost coverage for the structure of your home, in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.
Chubb policyholders in Texas are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.
» READ MORE: Chubb homeowners insurance review
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Amica shines when it comes to customer service. Amica draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.
The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.
» READ MORE: Amica homeowners insurance review
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can repair or rebuild your home with eco-friendly materials after a claim.
The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.
» READ MORE: Cincinnati homeowners insurance review
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.
You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.
State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.
» READ MORE: State Farm homeowners insurance review
Allstate
- Lots of discounts to help you save.
- Home-sharing coverage available.
- Many ways to customize your coverage.
- Ranked below average for consumer satisfaction in recent J.D. Power studies.
Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.
You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.
» READ MORE: Allstate homeowners insurance review
Travelers
- User-friendly website.
- Coverage and discounts for eco-friendly homeowners.
- Doesn’t insure mobile or manufactured homes.
- Poorly rated Android app.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. You can also add coverage for water damage caused by a backed-up sewer or drain. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
» READ MORE: Travelers homeowners insurance review
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.
USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay out only what your items are worth at the time of the claim.
USAA offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.
» READ MORE: USAA homeowners insurance review
- See all NerdWallet home insurance reviews
How much does homeowners insurance cost in Texas?
The average annual cost of home insurance in Texas is $4,585. That’s 117% more than the national average of $2,110.
In most U.S. states, including Texas, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Texas, those with poor credit pay an average of $7,545 per year for homeowners insurance, according to NerdWallet’s rate analysis. That's 65% more than those with good credit.
Average cost of homeowners insurance in Texas by city
How much you pay for home insurance depends on where in the state you live. For example, the average cost of homeowners insurance in Houston is $6,370 per year, while homeowners in Dallas pay $4,945 per year, on average. Meanwhile, home insurance is much cheaper in El Paso at just $2,405 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Amarillo | $6,310 | $526 |
Arlington | $5,865 | $489 |
Austin | $3,400 | $283 |
Brownsville | $3,810 | $318 |
Conroe | $4,370 | $364 |
Corpus Christi | $5,170 | $431 |
Cypress | $5,985 | $499 |
Dallas | $4,945 | $412 |
El Paso | $2,405 | $200 |
Fort Worth | $5,825 | $485 |
Frisco | $4,780 | $398 |
Garland | $5,115 | $426 |
Grand Prairie | $5,455 | $455 |
Houston | $6,370 | $531 |
Irving | $5,425 | $452 |
Katy | $5,960 | $497 |
Laredo | $3,495 | $291 |
Lubbock | $5,340 | $445 |
McKinney | $4,840 | $403 |
Mission | $4,645 | $387 |
Plano | $4,760 | $397 |
Richmond | $6,660 | $555 |
Round Rock | $3,325 | $277 |
San Antonio | $3,845 | $320 |
Spring | $4,850 | $404 |
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Below are the insurers we found with average annual rates below the Texas average of $4,585.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Texas Farm Bureau | 3.5NerdWallet rating | $2,835 |
$3,740 | ||
$4,150 | ||
USAA* | $3,445 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
Common risks for Texas homeowners
Hurricanes
Homeowners insurance typically covers damage caused by wind, but you might have a separate insurance deductible for any wind or hail damage. (A deductible is the part of an insurance claim you’re responsible for paying.)
Be aware that depending on where you live, your insurer may not provide windstorm coverage as part of your homeowners insurance policy. If that happens, you need to buy separate windstorm insurance. You may be able to get coverage from a private insurer, but if you can't, you can usually buy it from the Texas Windstorm Insurance Association as long as you live in a designated coastal county.
Hurricanes can also cause flood damage, which standard home insurance won't cover. Instead, you’ll need to buy flood insurance from a private insurer or the National Flood Insurance Program. Learn more about flood insurance and how to buy it.
To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.
Hail
A typical home insurance policy will pay for hail damage. However, depending on where you live, you may not be able to get wind and hail coverage with your home insurance. If that happens, check with the Texas Windstorm Insurance Association.
When the time comes to replace your roof, you may want to choose impact-resistant materials that are less likely to be damaged by hail. Not only will this help prevent damage, it could also earn you a discount from your insurer.
Tornadoes
A standard homeowners insurance policy covers damage from a tornado, along with any additional living expenses if you have to leave home because of tornado damage. But as with hurricanes and hail, you may need extra insurance to cover tornado damage if your policy doesn’t cover windstorms in your area.
Wildfires
A standard home insurance policy will cover wildfire damage and pay for you to live elsewhere if can't stay in your house during repairs.
» MORE: Wildfire insurance: What to know
Texas Department of Insurance
If you need to file a complaint about your insurer, contact the Texas Department of Insurance, which oversees the state’s insurance industry. You can call the department at 800-252-3439.
Your insurance company is required to give you a copy of the TDI’s Consumer Bill of Rights when it issues you a homeowners policy. Among other things, this document explains how the claims process works and under which circumstances an insurer can cancel your policy.
- Find home insurance in other states
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Why is homeowners insurance so expensive in Texas?
Why is homeowners insurance so expensive in Texas?
Texas sees a variety of natural disasters that can damage homes, including hurricanes, wildfires, tornadoes and hail. Insurance companies generally charge higher prices for homes they consider to be at greater risk of damage. To save on your premium, ask your insurer if you qualify for any home insurance discounts.
Do you have to have homeowners insurance in Texas?
Do you have to have homeowners insurance in Texas?
If you have a mortgage on your home, your lender will probably require you to buy homeowners insurance. If you don’t have a mortgage, whether you get homeowners insurance is likely up to you. However, unless you could afford to rebuild your home after a disaster, buying a homeowners policy is generally a wise decision. Read more about whether home insurance is required.
How much is home insurance per month in Texas?
How much is home insurance per month in Texas?
The average cost of home insurance in Texas is about $382 per month, according to a NerdWallet rate analysis. Your own rate may vary depending on where you live, the characteristics of your home and the amount of coverage you need.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
