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The Best Home Insurance in Texas for 2025

Chubb, State Farm and USAA are among the best home insurance companies in Texas.
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Sep 8, 2025
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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

Chubb

Not available

Amica

Not available

Cincinnati Insurance

Not available

State Farm

$4,150

Allstate

$5,340

Travelers

$5,920

USAA*

$3,445

*USAA homeowners policies are available only to active military, veterans and their families.

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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 Home Insurance

Chubb

Perks and comprehensive coverage for high-value homes.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

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.


Amica Home Insurance

Amica

Well-established insurer known for great customer service.
Coverage About average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

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.


Cincinnati Home Insurance

Cincinnati Insurance

Sells homeowners policies through local independent agents across the U.S.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Far fewer than expected

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.


State Farm Homeowners Insurance

State Farm

Well-established insurer with local agents and a long list of coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

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.


Allstate Homeowners Insurance

Allstate

Widely available across the U.S. with lots of discounts and coverage options.
Coverage More than average
Discounts Great set of discounts
NAIC complaints Close to expected

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.


Travelers Home Insurance

Travelers

Offers lots of coverage options, decent discounts and a strong online experience.
Coverage About average
Discounts Average set of discounts
NAIC complaints Fewer than expected

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.


USAA Home Insurance

USAA

Offers perks and generous coverage for the military community.
Coverage More than average
Discounts Average set of discounts
NAIC complaints Fewer than expected

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.

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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The cheapest home insurance in Texas

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

Farmers

$3,740

State Farm

$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.

🤓Nerdy Tip

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.

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.

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

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.

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.

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.