Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Texas, with the best coverage for high-value homes.
Amica offers the best all-around consumer experience.
State Farm is our best home insurance pick for most people.
Cincinnati Insurance draws the lowest rate of consumer complaints.
USAA is our top choice for military families and veterans.
Texas home insurance has become increasingly expensive in recent years, due in large part to inflation and destructive weather like hailstorms and flooding. To help you find the best home insurance in Texas, we gathered and analyzed data from insurance companies across the state.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Texas
Best coverage for high-value homes
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.
Why it’s worth a look: Chubb caters to owners of high-value homes, offering generous coverage other insurers charge extra for. For instance, Chubb’s standard policies include extended replacement cost for the structure of your home and coverage for damage from backed-up water and sewage.
Standout feature: Policyholders in Texas are eligible for Wildfire Defense Services, which includes personalized assessments to help mitigate wildfire damage. If a wildfire approaches, the service will send firefighters directly to your home.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best consumer experience
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.
Why it’s worth a look: Amica earns high marks when it comes to home insurance and customer satisfaction, ranking near the top in two recent J.D. Power studies. The insurer sees a very low rate of consumer complaints, suggesting its customers are generally happy.
Standout feature: Amica’s Platinum Choice package offers higher limits for your home and belongings. It also comes with extra coverage for damage from backed-up drains and valuables like jewelry and watches.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
Best for most homeowners
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.
Why it’s worth a look: State Farm scored well in our analysis for its range of coverage options and its digital tools, including a highly-rated app. With a network of more than 19,000 agents, the insurer also caters to people who prefer a human touch when managing their home insurance.
Standout feature: State Farm’s policies include an Increased Dwelling Limit, which automatically extends your dwelling coverage above your chosen limit. This higher limit is included as long as your home is insured to at least its estimated replacement value.
Average rates: Not available.
» READ MORE: State Farm homeowners insurance review
Fewest complaints
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.
Why it’s worth a look: Cincinnati Insurance drew one of the lowest rates of complaints to state regulators out of all of the insurers we evaluated. (These complaints are collected by the National Association of Insurance Commissioners.) This indicates Cincinnati’s customers are satisfied with the service they receive.
Standout feature: The insurer’s Private Client option may be appealing to homeowners with high-value homes, expensive cars and lots of valuables.
Average rates: Not available.
» READ MORE: Cincinnati homeowners insurance review
Best for military families
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, some federal employees and their families.
Why it’s worth a look: USAA’s home insurance policies include coverage that often costs extra elsewhere, such as replacement cost coverage for your belongings and identity theft insurance. Even so, the insurer’s rates tend to be lower than average in Texas.
Standout feature: USAA offers lots of perks specifically for members of the military, including deductible-free insurance for your uniform and coverage for personal belongings destroyed by war. Most home insurance policies exclude damage caused by war.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $3,270 |
$400,000 | $4,000 |
$500,000 | $4,720 |
$600,000 | $5,430 |
$700,000 | $6,125 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Texas
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$4,885 | ||
$7,835 |
Common Texas home insurance problems
High costs. Texas is vulnerable to severe weather like hurricanes, tornadoes, flooding and hailstorms. In addition, costs of labor and building materials have also increased dramatically. As a result, Texas is one of the most expensive states in the country when it comes to home insurance.
Hail. Texas sees a lot of hailstorms, and they can be costly. In 2024 alone, Texas saw 878 hailstorms. Home insurance typically covers hail damage. However, depending on where you live, your policy may have a separate deductible for hail damage, or it may not cover it at all, in which case you’ll need to buy separate coverage from the Texas Windstorm Insurance Association.
Hurricanes. Hurricane damage is typically caused by high winds and flooding. Home insurance won’t cover flood damage; we have more on that in the next section. Most home insurance policies will cover wind damage, although you might have a separate deductible. However, if you live in some coastal areas, your insurer may not provide windstorm coverage at all. In that case, you may need to buy it from the Texas Windstorm Insurance Association. Learn more about hurricane insurance.
Flooding. Flooding can happen anywhere, and even an inch of water can cause thousands of dollars of damage to your home. Yet standard home insurance won’t cover flood damage. For that, you’ll need to buy separate flood insurance. Read more about how to find the best flood insurance.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Texas FAIR Plan Association
If you’re a property owner in Texas struggling to find private insurance coverage, you may be able to get a policy through the Texas FAIR Plan Association. The TFPA was created in 1995 to help insure Texan homeowners in high-risk areas.To qualify, you’ll have to provide proof you were declined by at least two private insurers and work with a licensed agent to submit an application.
Coverage available through the TFPA is on an actual cash basis and may include:
Up to $1,000,000 for your dwelling.
Personal property coverage up to 70% of your dwelling coverage limit.
Up to $300,000 of personal liability coverage.
Loss of use coverage up to 10% of your dwelling coverage limit.
In addition to the Texas FAIR Plan, homeowners in certain Texas counties can pursue wind and hail coverage through the Texas Windstorm Insurance Association (TWIA). To qualify for a policy through the TWIA, you’ll still have to work with an agent but need only one denial from a private insurer.
The TWIA offers dwelling and personal property coverage up to a total of $1,733,000.
You may need to have flood insurance to qualify for coverage from the Texas Windstorm Insurance Association. You can usually buy flood insurance through FEMA-approved insurers that sell policies on behalf of the National Flood Insurance Plan.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Consider buying earthquake insurance if you live in an at-risk area.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
How much does homeowners insurance cost in Texas?
The average cost of homeowners insurance in Texas is $5,910 per year, or about $493 per month. That's nearly twice the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Learn more about how much dwelling coverage you need.
The median rebuilding cost for Texas homes is $526,190, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $3,875 |
$400,000 | $4,915 |
$500,000 | $5,910 |
$600,000 | $6,625 |
$700,000 | $7,400 |
The rates above are for homeowners with good credit. In Texas, policyholders with poor credit pay an average of $9,990 per year — an increase of 69%.
Average cost of homeowners insurance in Texas by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Houston is $9,095 per year, while San Antonio homeowners pay $4,565 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Amarillo | $10,200 | $850 |
Arlington | $9,250 | $771 |
Austin | $4,250 | $354 |
Brownsville | $4,835 | $403 |
Corpus Christi | $7,965 | $664 |
Dallas | $6,915 | $576 |
Denton | $6,250 | $521 |
El Paso | $2,520 | $210 |
Fort Worth | $5,600 | $467 |
Frisco | $7,420 | $618 |
Garland | $6,085 | $507 |
Grand Prairie | $6,945 | $579 |
Houston | $9,095 | $758 |
Irving | $6,685 | $557 |
Killeen | $4,650 | $388 |
Laredo | $3,890 | $324 |
Lubbock | $8,125 | $677 |
McAllen | $6,675 | $556 |
McKinney | $7,855 | $655 |
Mesquite | $6,705 | $559 |
Midland | $6,540 | $545 |
Pasadena | $10,940 | $912 |
Plano | $5,220 | $435 |
San Antonio | $4,565 | $380 |
Waco | $5,745 | $479 |
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.The cheapest home insurance in Texas
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
$1,490
RHP
Not rated
$1,930
$3,435
$5,205
$3,270
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$1,905
RHP
Not rated
$2,590
$4,295
$6,415
$4,000
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$2,420
RHP
Not rated
$3,330
$4,885
$7,650
$4,720
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$2,930
RHP
Not rated
$3,935
$5,290
$8,580
$5,430
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$3,375
RHP
Not rated
$4,555
$5,690
$9,375
$6,125
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Texas by claims history
Here are the cheapest home insurance companies in Texas for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,725 | ||
RHP | Not rated | $3,330 |
$5,450 | ||
$7,810 | ||
$5,520 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample homeowner with good credit, $500,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Texas by credit score
Here are the cheapest home insurance companies in Texas for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
RHP | Not rated | $3,330 |
$4,960 | ||
$9,085 | ||
$12,875 | ||
$8,660 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Texas Department of Insurance
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 Monday through Friday.
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.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Texas sees a variety of natural disasters, 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.
If you have a mortgage, 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 can 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.
The average cost of home insurance in Texas is about $493 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.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Insurance Information Institute. Facts + Statistics: Hail. Accessed Feb 20, 2026.
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 ZIP codes across all 50 states and Washington, D.C. 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:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 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.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
